Our annual review of our products has facilitated a number of changes to our Basic Hospital.Prices are subject to an increase from 1 April 2020.More about changes to Basic Hospital
Services which Westfund covers to a limited extent and pays reduced benefits on hospital admissions. If you are admitted to a public hospital in a private room, out-of-pocket expenses will apply. If you are admitted to a private hospital, Westfund will not pay benefits towards hospital or medical costs for these services.
Westfund will not pay benefits towards hospital or medical costs for these services. If you chooses to proceed as a private patient in a public hospital for an excluded service, you will have out-of-pocket expenses.
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.
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|
|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|
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.
Unlimited medically necessary emergency ambulance transport1 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
There's amazing benefits you'll receive because you choose Westfund.
Suspension of membership for up to six months due to forced retrenchment or protected industrial action.
Available after 36 months