Health insurance for young adults
We know your health and wellbeing are important to you – but so is making smart financial decisions. That’s why we offer health insurance for young adults at a fair price to cover everything you need to prioritise your health.
You’re working hard towards your life goals. Looking after your health helps build the foundation for success – that’s why we offer private health insurance at a fair price to cover you in case of an accident and to help you stay on top of your health with physio, massage and dental.
Take advantage of knowing you’re covered.
Avoid paying the Medicare Levy Surcharge (MLS)
Secure affordable single Bronze hospital insurance from $22.41 a week** to avoid MLS if you're earning more than $90K, and save up to 10% on hospital premiums if you're under 30.
Easy to use and available all over Australia
Our people are available to help via webchat, email and phone. Our online services are available 24/7 for easy claiming.
Accidents happen. Make sure you’re covered
Ambulance trips could set you back thousands. Our covers include unlimited emergency ambulance cover. Plus, with eligible hospital and extras you will have access to elective surgery and physio if you need it.
Good extras cover to look after your wellbeing
Benefits to help you look after your health with physio, massage and dental as well as cover for optical, gym memberships and vitamins.
Ready to join Westfund?
Find your cover or read more about our most popular young adult health insurance options below.
Cover for what you need.
Singles from $24.31 per week*
Mid-level hospital cover that covers a broad range of treatments, including heart and vascular.
Health insurance suited to people who don’t want cover for pregnancy and birth or joint replacements.
- Includes Ambulance cover.
- Pay no excess for accidents when admitted to a private hospital.
Singles from $5.29 per week^
Basic extras health insurance best suited to fit and healthy singles and couples. Good extras cover for the price conscious with a grouped benefit for other therapies, optical and health management (e.g. gym memberships and vitamins) per person.
- Includes general dental cover.
- Optical benefit up to $180 per person, per calendar year (combined with other services).
* Based on NSW prices, including $750 excess and Base Tier Australian Government Rebate for under 65. Does not include Lifetime Health Cover loading or Age-Based Discount. Prices effective 1 April 2021.
^Based on NSW prices, including Base Tier Australian Government Rebate for under 65. Price effective 1 April 2021.
**Based on NSW prices, including $750 excess and Tier 1 Australian Government Rebate for under 65. Does not include Lifetime Health Cover loading or Age-Based Discount. Prices effective 1 April 2021.
Don’t get caught out.
We get it. Health insurance can be confusing. But putting off signing up could mean you pay more now and in the future.
We’ve broken down the three Government programs that you should be aware of. Still have questions? Call us today and we’ll help unpack the lingo.
1. Lifetime Health Cover
An incentive to encourage young people to take out hospital insurance and maintain coverage. If you choose to not get hospital cover before you turn 31, you will pay an extra two per cent on your hospital premium for each year after 30 until you do join. So if you decide to take out hospital cover at 40, you will be paying 20% more than a friend who took out insurance at 30 … for exactly the same cover. The maximum loading you can be charged is 70% and the loading is only removed after 10 years of continuous hospital cover.
2. Age-Based Discount
Savings on your hospital premium of up to 10% if you take up cover before you’re 30. The younger you join, the larger your discount. As long as you maintain eligible hospital cover, you will get this discount until you turn 41, after which it will reduce by two per cent each year until you get back to zero. So, if you take up cover before 25, that means you’re saving on your premiums until you’re 45! No brainer right? Not all insurers offer this discount. Luckily, we do.
3. Medicare Levy Surcharge
Additional tax you pay if you do not have private hospital cover and earn above a certain income. For singles, the threshold is $90,000 and for families, it is $180,000. This is in addition to the compulsory Medicare Levy of two per cent, which is paid by most Australians to help fund Medicare. You can avoid the surcharge if you take out an appropriate level of hospital cover.
We're easy to use
Easy claiming for the day-to-day.
For extras, easy on-the-spot electronic claiming, or though the Westfund App.
Expert help when you need it.
With call centres across NSW and Queensland, we have local teams ready to answer your questions.
We’re here to help
Check out our full range of singles health insurance and private health insurance for young adults online. If you need help unpacking what’s best for you, you can speak to one of our experts available over the phone, email, webchat or at your local Care Centre. We’re here to help, and we won’t keep you waiting.