Westfund Health Insurance
Extras Cover and Waiting Periods
$1600 per member per calendar year
combined with Major Dental

For diagnostic and preventative dental, periodontics, endodontics, fillings and extractions or oral surgery.

Set item benefits depending on service or item number

2 month waiting General Dental 12 month waiting Specialist Dental
$1600 per member per calendar year
combined with Major Dental
$1600 per member per year
combined with General Dental

To use on major dental treatment like crowns, bridges, implants, veneers and dentures.

Set item benefits depending on service or item number

12 month waiting period
$1600 per member per year
combined with General Dental
$250 per member per calendar year

100% of fee (up to annual limit) for frames, single vision lenses, bifocal lenses, multifocal lenses, contact lenses.

No benefit towards tinting, coating or add-ons. Benefits also apply for Irlen lenses.

2 month waiting period
$250 per member per calendar year
$400 per member per calendar year
2 month waiting period 12 months for surgical treatment
$400 per member per calendar year
Complementary Therapies rebates for Esteem Extras
Type Group / Class Individual
Remedial Massage and Myotherapy - $25
Acupuncture and Chinese Herbalism - $25
Dietetics and Nutrition $10 $30
Home Nursing - $12 (up to 6 hours)
$48 (over 6 hours)
Vision (Eye) Therapy - $25
Occupational Therapy $10 $40
Podiatry - $34
Podiatry Surgical Treatment - 100%
Clinical Psychology $50 $50
Speech Therapy $36 $48 (initial)
$36 (subsequent)
12 month waiting period 36 months for hearing aids
Non Surgically Implanted Prostheses Benefits for Esteem Extras
Health Aid or Appliance Item limit per member Letter of recommendation required
Artificial Limbs $200 per calendar year Lifetime letter
Braces $120 per calendar year Every 12 months
Compression Garments No
Blood Glucose Monitor $100 per calendar year No
Blood Pressure Monitor $150 per calendar year No
Burn Suits $800 per calendar year Every 12 months
CPAP (sleep apnoea) Machine
EPAP Treatment
Oral Appliance for diagnosed snoring		 $500 every 3 years Lifetime letter
CPAP Masks, Accessories and TENS Accessories $100 per calendar year No
INR Monitor $200 every 2 years Lifetime letter
Low Vision Aids $100 per calendar year Every 12 months
Mobility Aids Every 12 months
Mammary Prostheses and Brassieres $225 per calendar year Lifetime letter unless relevant hospitalisation is recorded with Westfund
Nebuliser $110 per calendar year No
Custom Made Orthopaedic Boot $200 per calendar year Every 12 months
Custom Made/Preformed Orthotics $200 per calendar year Every 12 months
Oximeter
Oxygen and Accessories		 $500 per calendar year Lifetime letter
Peak Flow Meter $35 per calendar year No
Repairs to Devices $100 per calendar year Every 12 months unless initial purchase of the device is recorded with Westfund
TENS Machine $150 every 3 years Lifetime letter
Wigs $150 per calendar year Lifetime letter unless relevant hospitalisation is recorded with Westfund
Hearing Aids and Frequency Modulated Systems $1400 every 3 years No
$600 per member per calendar year
2 month waiting period
$600 per member per calendar year
Physiotherapy, Exercise Physiology, Chiropractic and Osteopathic benefits for Esteem Extras
Group / Class Item Limit Individual Item Limit
Physiotherapy $10 $42
Exercise Physiology $10 $30
Chiropractic - $30
Chiropractic X-ray - $55
Osteopathic - $30
  • 2 chiro x-rays per member per calendar year
$500 per member per calendar year
Prevention and Health Management Rebates and Sublimits for Esteem Extras
Type Rebate per service Annual Group Limit
Fitness Centre
Aquatic Programs
Weight Loss Programs
Virtual Gastric Banding
Diabetes Education
Vitamins
Omega 3
Probiotics		 100% $100 per member
Preventative Health Tests
(Bone Density Test, Bowel Testing Kit, Calcium Score, Mammogram, Mole Scan, Thin Prep Pap Test)		 100% $30 per member
Ear and Eye Preventative Health Checks
(Audiology Test, Corneal Topography, Optical Coherence Tomography, Retinal Photography)		 $80 $160 per member
Hypnotherapy for Quit Smoking 100% $250 per member
Lifetime Limit
Chronic Disease Association Fees 100% $30 per member
Prescriptions, Injections and Vaccinations $50 $500 per member
2 month waiting period
$500 per member per calendar year
Ambulance

Unlimited medically necessary emergency ambulance transport

1 day waiting period

Up to $5,000 per member per calendar year for non-emergency patient transport (eg. Hospital to Hospital transfer)

2 month waiting period
Member Advantages
Westfund member advantages

There's amazing benefits you'll receive because you choose Westfund.

Optical Bonus

$60 per member to use towards out of pocket costs, accrues to $120 if no optical claims made at any provider in consecutive years

Available only at Westfund Eye Care Centres. Bonus can be used towards prescription glasses and contacts only.

Available after 2 months

Sunglasses

$50 per member per calendar year
Available only at Westfund Care Centres

Available after 2 months

Forced Retrenchment / Protected Industrial Action

Waiver of premiums up to six months due to forced retrenchment or protected industrial action.

Available after 36 months

Westfund Services

Member Fees at any Provider of Choice or Westfund provider.