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Our annual review of our products has facilitated a number of changes to our Gold Hospital.
More about changes to Gold Hospital

Hospital Cover and Waiting Periods
Covered

Westfund will pay benefits towards your admission for hospital treatment that forms part of an admitted episode of care. This may include hospital accommodation, theatre fees and prosthetic costs.

R
Restricted

Services which Westfund covers to a limited extent and pays reduced benefits on admissions for hospital treatment that forms part of an admitted episode of care. The benefit is not sufficient to cover the cost of a private room in a public hospital or any room in a private hospital. If you are admitted to a private hospital for services that are restricted, large out-of-pocket expenses will apply.

Excluded

Westfund will not pay benefits towards hospital or medical costs for these services. If you choose to proceed as a private patient for an excluded service, you will have very large out-of-pocket expenses.

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
  • For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
  • Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
  • For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.

A Member who has held a Policy with Hospital cover for at least 2 months and upgrades to a Policy which includes psychiatric treatment may elect to waive the 2 month Waiting Period that applies to psychiatric treatment upon upgrade. This waiver can only be accessed once in a Member's lifetime.

  • Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
  • Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
  • For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.
  • Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
  • For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.
  • Cataract procedures are listed separately under Cataracts.
  • Eyelid procedures are listed separately under Plastic and reconstructive surgery.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
  • For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
  • Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.
  • The implantation of a hearing device is listed separately under Implantation of hearing devices.
  • Orthopaedic neck conditions are listed separately under Back, neck and spine.
  • Sleep studies are listed separately under Sleep studies.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
  • For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
  • Chest surgery is listed separately under Lung and chest.
  • Spinal cord conditions are listed separately under Brain and nervous system.
  • Spinal column conditions are listed separately under Back, neck and spine.
  • Joint reconstructions are listed separately under Joint reconstructions.
  • Joint replacements are listed separately under Joint replacements.
  • Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
  • Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for surgery for joint reconstructions.
  • For example: torn tendons, rotator cuff tears and damaged ligaments.
  • Joint replacements are listed separately under Joint replacements.
  • Bone fractures are listed separately under Bone, joint and muscle.
  • Procedures to the spinal column are listed separately under Back, neck and spine.
  • Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
  • Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
  • For example: kidney stones, adrenal gland tumour and incontinence.
  • Dialysis is listed separately under Dialysis for chronic kidney failure.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
  • For example: male sterilisation, circumcision and prostate cancer.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
  • For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
  • Endoscopy is listed separately under Gastrointestinal endoscopy. Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
  • Bariatric surgery is listed separately under Weight loss surgery.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of a hernia or appendicitis.
  • Digestive conditions are listed separately under Digestive system.
  • Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
  • For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).
  • Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
  • Hospital treatment for the investigation and treatment of the female reproductive system.
  • For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
  • Fertility treatments are listed separately under Assisted reproductive services.
  • Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.
  • Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
  • Surgical treatment of cancer is listed separately under each body system.
  • Hospital treatment for pain management that does not require the insertion or surgical management of a device.
  • For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
  • Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
  • Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.
  • For example: melanoma, minor wound repair and abscesses.
  • Removal of excess skin due to weight loss is listed separately under Weight loss surgery.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
  • For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
  • This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and management of diabetes.
  • For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
  • Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.
  • Treatment for ulcers is listed separately under Skin.
  • Provision and replacement of insulin pumps is listed separately under Insulin pumps.
  • Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
  • For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
  • For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of blood and blood-related conditions.
  • For example: blood clotting disorders and bone marrow transplants.
  • Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
  • For example: sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders such as scoliosis, kyphosis and lordosis.
  • Joint replacements are listed separately under Joint replacements.
  • Joint fusions are listed separately under Bone, joint and muscle.
  • Spinal cord conditions are listed separately under Brain and nervous system.
  • Management of back pain is listed separately under Pain management.
  • Pain management that requires a device is listed separately under Pain management with device.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
  • For example: burns requiring a graft, cleft palate, club foot and angioma.
  • Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
  • Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
  • Hospital treatment for surgery to the teeth and gums.
  • For example: surgery to remove wisdom teeth, and dental implant surgery.
  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:
    • accommodation; and
    • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
  • Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.
  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
  • Stapedectomy is listed separately under Ear, nose and throat.
  • Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
  • For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint.
  • Joint fusions are listed separately under Bone, joint and muscle.
  • Spinal fusions are listed separately under Back, neck and spine.
  • Joint reconstructions are listed separately under Joint reconstructions.
  • Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
  • Hospital treatment for dialysis treatment for chronic kidney failure.
  • For example: peritoneal dialysis and haemodialysis.
  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
  • Female reproductive conditions are listed separately under Gynaecology.
  • Fertility treatments are listed separately under Assisted reproductive services.
  • Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
  • Hospital treatment for fertility treatments or procedures.
  • For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT).
  • Treatment of the female reproductive system is listed separately under Gynaecology.
  • Pregnancy and birth-related services are listed separately under Pregnancy and birth.
  • Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
  • For example: gastric banding, gastric bypass, sleeve gastrectomy.
  • Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
  • Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
  • For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
  • Treatment of pain that does not require a device is listed separately under Pain management.
  • Hospital treatment for the investigation of sleep patterns and anomalies.
  • For example: sleep apnoea and snoring.

When you switch health funds, we will guarantee continuity of cover for the benefits included in your previous cover. This applies only to the benefits you were entitled to under your previous cover, as long as these benefits are included under your new Westfund cover.
Benefits are not payable in respect of services provided during a waiting period. The following waiting periods apply to benefits payable for Hospital Treatment.

Hospital Waiting Periods
Accident-related 1 Day
Psychiatric, Rehabilitation and Palliative Care
A Member who has held a Policy with Hospital cover for at least 2 months and upgrades to a Policy which includes psychiatric treatment may elect to waive the 2 month Waiting Period that applies to psychiatric treatment upon upgrade. This waiver can only be accessed once in a Member's lifetime.
2 Months
Pregnancy and Birth 12 months
Treatment of a pre-existing condition 12 Months
All other services 2 Months

An excess is payable once per adult member, per calendar year. Please refer to the table to understand when you are required to pay an excess.

Excess Payable
Admitted to Private Hospital for Same-day procedure Accident All other admissions
Main Member or Spouse / Partner
Dependants
Admitted to Public Hospital for Same-day procedure Accident All other admissions
Main Member or Spouse / Partner
Dependants

When a member is admitted to hospital as a private patient, an Accommodation Benefit is payable for costs incurred as the result of boarding at a hospital or nearby motel by the patient or one Member covered by the same Westfund Policy.

Accommodation

Accommodation Benefits are paid for the night before admission, for the nights during the hospitalisation and the night of discharge. This Benefit is not claimable for the patient while admitted.

Nights 1-4 will be paid at $100 per night and nights 5 and onward will be paid at $40 per night per policy per calendar year.

12 month waiting period

Inpatient Travel is available for round trips exceeding 150km from the member’s home locality to the locality of the hospital.

Inpatient Travel
When a member is admitted to hospital as a private patient, an Inpatient Travel Benefit of up to $70 per member per episode of hospitalisation is available. 12 month waiting period

The Commonwealth Ombudsman also provides general information about waiting periods.

* A pre-existing condition is an illness or condition for which, in the opinion of a medical practitioner appointed by Westfund, signs or symptoms existed during the 6 months before the date you joined Westfund or upgraded to a higher level of cover. A 12 month waiting period applies to all new Members for hospital costs relating to the treatment of pre-existing conditions.

more about hospital and medical cover

More about Hospital Cover

Westfund has contracts with numerous private hospitals throughout Australia covering theatre fees and hospital accommodation costs for most procedures. Hospital policies do not provide cover for treatment for which Medicare pays no benefit eg. Non-Therapeutic Cosmetic Surgery, or if disallowed by the Private Health Insurance Act 2007.

Where no contract exists with a private hospital, benefits are payable at a default rate determined by the Government. In these cases, out of pocket expenses may be incurred.

We recommend that members check with us prior to admission to hospital to ensure they are covered.

As a private patient in a public hospital, you will receive cover for accommodation and your choice of doctor from doctors with a right to practice at that hospital.

Westfund will pay benefits for surgically implanted prostheses up to the approved benefits in the Government's Prostheses List and in accordance with the requirements of the Act.

More about Medical Cover

Westfund pays benefits for the fees charged by a doctor, surgeon, other specialist services, including pathology and radiology, while you are in hospital. Medicare pays 75% of the Commonwealth Medical Benefits Schedule (CMBS) fee and Westfund pays the additional 25% up to the CMBS fee. Where the fees charged exceed the CMBS fee, Westfund will pay an additional benefit to reduce or eliminate out of pocket expenses where the doctor or specialist participates in our Access Gap Scheme.

Our Access Gap Scheme allows patients with hospital cover to eliminate or reduce out of pocket expenses for medical gap payments for in-patient hospital treatments. Westfund does not pay an amount charged by your doctor above the CMBS fees unless your doctor agrees to participate in the Access Gap Scheme. If a doctor does not use the Access Gap Scheme, patients will be responsible for any additional charges. Doctors are independent of Westfund and each doctor can choose on a case by case basis whether to participate in the Access Gap Scheme.

No benefits are paid for non-therapeutic cosmetic surgery.

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.

Forced Retrenchment Suspension

Suspension of membership for up to six months due to forced retrenchment

Protected Industrial Action Suspension
Suspension of membership for up to six months due to protected industrial action

Overseas Travel Suspension
Suspension of membership for up to 24 months due to overseas travel

Forced Retrenchment / Protected Industrial Action available after 36 months

Westfund Services

Available after 2 months