What if my policy has an excess?

An excess on your hospital cover is just like having an excess on home or car insurance – it’s an amount payable upfront should you be admitted to hospital. Choosing a policy with an excess means your premiums will be cheaper. It can sound complicated, but it’s a pretty straightforward process – if your policy has an excess of $500, you pay this amount to the hospital and we deal with the rest – provided your procedure is covered by your policy. Westfund members only need to pay an excess once per person, per calendar year. If you have Silver, Silver Plus Assure or Gold hospital cover, you won’t need to pay an excess for your dependants.

  • Accidents – if you are admitted as a day patient in a private hospital you will not be required to pay the excess (depending on your level of cover)
  • Overnight or Extended Stays – if you have an excess on your policy you will be required to pay that amount directly to the hospital on the day of or prior to admission