gold

Extras

Provides excellent extras cover for things like dentistry and complementary therapies (but not hospital cover).

Download the Gold Extras Policy Summary

  • from $12.40* for singles
  • from $24.85* for couples or families
* per week. Claiming base tier Aust. Gov. rebate for under 65. Prices effective 1 June 2017. Get a quote Join Online

What's included

Excellent Extras Cover

Our most popular extras cover with great annual limits.

Ambulance Cover

Ambulance cover is included as part of this plan.

Member Advantages

Access to a range of our Westfund Member Advantages, including our Forced Retrenchment benefit, sunglasses benefit, and more.

No Hospital Cover

Browse our Hospital and Extras plans if you need to be covered for hospital.

Extras Cover

What's included

General and Major Dental

General Dental
No annual or lifetime limit on General Dental like checkups, cleans and fillings. No out-of-pocket expenses on selected preventative dental at Westfund Dental Care or Provider of Choice practices.

Major Dental
$1,275 per member per calendar year to use on major dental treatment like crowns, bridges, implants and veneers.

Specialist Dental
No annual of lifetime limit

General Dental Rebates
Dental Services Maximum rebate per service
Examination up to $37.50
Simple extraction up to $80
Plaque removal up to $31.50
Calculus removal up to $69
Small filling up to $71.50
Medium filling up to $107.50
Large filling up to $150
Root canal up to $122
Mouth guard up to $94 per member
per calendar year
Full Dentures up to $977
Full Crown up to $750
Orthodontics

$500 per member per policy year to use on orthodontics completed by a registered orthodontist with a maximum accrued lifetime benefit of $2,500.

$240 per member per policy year to use on orthodontics completed by a general dentist with a maximum accrued lifetime benefit of $1200.

Optical

$250 per member per calendar year with sub-limits listed below.

No sub-limits for Optical from 1 January 2018

Optical Rebates and Sublimits
Type Sublimit per calendar year
Frame $80
Single vision lenses $100
Bifocal lenses $250
Multifocal lenses $250
Contact Lenses $250
Chiropractic and Osteopathy

Annual limit shared between all members on the policy

  • $300 per calendar year for singles
  • $600 per calendar year for couples or families
Chiro and Osteo Rebates
Type Rebate per service
Chiropractic $30
Chiropractic x-ray $35
Osteopathic $30
Physiotherapy and Exercise Physiology

Annual limit shared between all members on the policy

  • $420 per calendar year for singles
  • $840 per calendar year for couples or families

New limits above are effective 1 January 2018

Physiotherapy and Exercise Physiology Rebates
Type Rebate per service
Physiotherapy $42
Exercise Physiology $30
Group Exercise Physiology $10
Group/Class Physiotherapy $10
Complementary Therapies

Includes services such as Massage, Acupuncture, Chinese Herbalism, Dietetics, Naturopathy, Podiatry, Psychology, Speech Therapy

Annual limit shared between all members on the policy

  • $500 per calendar year for singles
  • $1,000 per calendar year for couples or families

Higher sublimits from 1 January 2018

Current Rebates and Sublimits (2017)

Complementary Therapies Sublimits and Rebates
Type Rebate per service Single sublimits
per calendar year
Family or couple sublimits
per calendar year
Extended family sublimits
per calendar year
Massage Therapies
(Remedial, Bowen Therapy, Aromatherapy, Myotherapy, Alexander Technique and Kinesiology)
$25 $150 $300 $400
Acupuncture and Chinese Herbalism $25 $150 $300 $400
Dietetics/Nutrition $25 $150 $300 $400
Home Nursing - up to 6 hours / over 6 hours $12 / $48 $150 $300 $400
Naturopathy and Homeopathy $25 $150 $300 $400
Occupational Therapy $25 $150 $300 $400
Orthoptics $25 $150 $300 $400
Podiatry $34 $150 $300 $400
Clinical Psychology $50 $150 $300 $400
Speech Therapy - Initial / Subsequent $48 / $36 $300 $588 $588

Rebates and Sublimits from 1 January 2018

Complementary Therapies Sublimits and Rebates
Type Rebate per service Single sublimits
per calendar year
Family or couple sublimits
per calendar year
Extended family sublimits
per calendar year
Massage Therapies
(Remedial, Bowen Therapy, Aromatherapy, Myotherapy, Alexander Technique and Kinesiology)
$25 $250 $500 $400
Acupuncture and Chinese Herbalism $25 $250 $500 $400
Dietetics/Nutrition $25 $250 $500 $400
Home Nursing - up to 6 hours / over 6 hours $12 / $48 $150 $300 $400
Naturopathy and Homeopathy $25 $250 $500 $400
Occupational Therapy $25 $250 $500 $400
Orthoptics $25 $250 $500 $400
Podiatry $34 $272 $544 $400
Clinical Psychology $50 $300 $600 $400
Speech Therapy - Initial / Subsequent $48 / $36 $300 $588 $588
Prescriptions/Vaccinations and Injections

$50 per prescription for the amount that exceeds the standard PBS co-payment.
Annual limit of $400 per member per calendar year.

Prevention and Health Management

Health Management Benefits are for members with a chronic disease, such as diabetes, to have access to programmes that are intended to improve a specific health condition.

Preventative health tests provide members assistance in the prevention of chronic disease.

Items such as Gym Classes, Weight Loss Programs, Pilates, Yoga, Vitamins etc.

Prevention and Health Management Policy Limits
Service Single Policy Limit Couple or Family Policy Limit
Fitness Centre
Yoga
Vitamins
Omega 3
Probiotics (effective 1 January 2018)
Weight Loss Programs (Health Management Claim Form required from 1 Jan 2018)
Virtual Gastric Banding
Pilates Centre
Swimming Lessons/Training for children under 18
$75 $150
Antenatal Classes and pre-postnatal consultations (12 month waiting) $120 lifetime limit

Prevention and Health Management Member Limits
Service Benefit per member
Preventative Health Tests
Mole Scanning, Bowel Testing Kits, Bone Density Tests, Mammograms, Thin Prep Pap Test, Calcium Score
$30 per calendar year
Hypnotherapy for Quit Smoking $250 lifetime limit
Current benefit to 31 December 2017
Ear and Eye Preventative Health Checks
Audiology test, Optical Coherence Tomography, Retinal Photography
$40 per calendar year
New benefits from 1 January 2018
Ear and Eye Preventative Health Checks
Audiology test, Retinal Photography
Optical Coherence Tomography


$40 per calendar year
$80 per calendar year
Chronic Disease Association Fees $30 per calendar year
$60 per policy limit
Non-surgically Implanted Prostheses

No overall limit see sub-limits listed below. A letter of recommendation is required from a practitioner in some instances.

Benefits available for purchase and hire fees from 1 Jan 2018

Non Surgically Implanted Prostheses Limits
Health Aid or Appliance Sublimit per member Letter of recommendation required Letter valid for
Blood Glucose Monitor $100 per calendar year No  
Blood Pressure Monitor $150 per calendar year No  
Burn Suits $800 per calendar year Yes 12 months
Oral Appliance for diagnosed snoring $500 every three years
(every year for Oxygen and Accessories)
Yes Lifetime
CPAP (sleep apnoea) Machine Yes Lifetime
EPAP Treatment Yes Lifetime
Oxygen and Accessories (from 1 January 2018) Yes  
CPAP Masks and Accessories /
TENS Accessories (from 1 January 2018)
$100 per calendar year  
Mammary Prostheses and Brassieres $225 per calendar year Yes (unless relevant hospitalisation recorded) Lifetime
Nebuliser $110 calendar year No  
Custom made orthopaedic boots $200 per calendar year Yes (unless provided by a physiotherapist or podiatrist) 12 months
Custom made / preformed orthotics $200 per calendar year Yes (unless provided by a physiotherapist or podiatrist) 12 months
Peak Flow Meter $35 per calendar year No  
Compression Garments $120 per calendar year No  
ISC Compression Calf Garments No  
Braces Yes 12 months
TENS Machine $150 every three years Yes Lifetime
INR Monitor $200 every two years Yes Lifetime
Wigs $150 every calendar year Yes (unless relevant hospitalisation recorded) Lifetime
Artificial Limbs (from 1 January 2018) $200 every calendar year Yes Lifetime
Mobility Aids (from 1 January 2018) $100 per calendar year Yes 12 months
Low Vision Aids for Age-Related Macular Degeneration (from 1 January 2018) Yes Lifetime
Repairs to Devices (from 1 January 2018) $100 per calendar year Yes (unless initial purchase of the device is recorded) 12 months
Hearing Aids and Frequency Modulated Systems $1,400 every three years No  

Ambulance Cover

Unlimited medically necessary emergency ambulance transport
1 day waiting period

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

We're easy to deal with

Our Care Centres are in regional locations so you can talk to someone in person, give our friendly staff a call or use our online services. 

Not for profit

We’re here for our members. We’re returning approx. $3.5 million to eligible Gold and Platinum members in 2017. 

We're for regional Australians

Just like you, we work and live in regional Australia, so we understand what’s important to you.

Our members love us

Westfund Health Insurance reviews

 

Westfund Member Advantages

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

  • Sunglasses Benefit

    Receive $50 per member per calendar year for sunglasses bought from any Westfund Care Centre.
    Available after 1 year
    Waiting period is changing from 12 months to 2 months for new members effective 1 January 2018

  • Forced Retrenchment Benefit

    We’ll waive your premiums for up to 6 months if you’re made redundant.
    Available after 3 years

  • Protected Industrial Action

    We’ll waive your premiums for up to 6 months due to union strike.
    Available after 3 years

  • Westfund Dental and Eyecare

    Higher per item benefits at Westfund Dental Care Practices than at other providers.
    Additional benefit of $60 per member to use on out of pocket costs associated with purchasing prescription glasses or contacts at Westfund Eye Care Practices. This amount will accrue up to $120 if no optical claims are made.
    Available after 2 months

What our Members say


90,000 +

members

Westfund Health Insurance reviews