Gold Saver

Hospital and Extras

Comprehensive hospital cover complimented by a basic level of extras cover for services like general dental, physio and chiro.

Download the Gold Saver Policy Summary

  • from $39.75* for singles
  • from $79.54* for couples or families
* per week. Based on NSW prices, including $500 excess, claiming base tier Aust. Gov. rebate for under 65 and no Lifetime Health Cover loading.
Prices effective 1 April 2017.

Excess^:

  • Nil
  • $500 per adult per calendar year
^ Excess does not apply to hospitalisations due to an accident, same day procedures or for dependants. Get a quote Join Online

What's included

Top Hospital Cover

Top hospital cover with no exclusions and minimal restrictions. An excess option is available.

Basic Extras Cover

Basic extras cover for optical, physio, chiro and general dental.

Ambulance Cover

Ambulance cover is included as part of this plan.

Member Advantages

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

Hospital Cover

You're covered for

Westfund will pay towards your theatre fees, hospital accommodation and prosthetics costs when you are admitted to a contracted hospital for procedures that are included under your policy.

While this isn’t a complete list of the procedures covered under your policy, we recommend you contact us prior to any admissions to hospital or refer to the Policy Summary.

  • Appendicitis (Appendectomy)
  • Tonsillitis (Tonsillectomy)
  • Hospitalisation for Cancer Treatment
  • Surgical extraction of wisdom teeth
  • Joint reconstructions
  • Surgical treatment of a hernia
  • Minor Gynaecological procedures
  • Colonoscopies
  • Gastroscopies
  • Removal of kidney and gall stones
  • Joint Replacements
  • Cataract surgery and intraocular lens insertion
  • Obesity surgery and lipectomy
  • Dialysis for chronic renal failure
  • Obstetrics
  • Assisted reproductive services
  • Sterilisation
  • Spinal fusion

You're partially covered for

The listed procedures have ‘restricted’ cover if you are admitted to a Private Hospital – meaning we will only pay up to the public hospital shared room accommodation rate.

Significant out of pocket expenses may apply for admissions into a Private Hospital.

  • Psychiatric Care

You're not covered for

No cover is provided for procedures for which Medicare pays no benefit (non-therapeutic cosmetic surgery), if disallowed by the Private Health Insurance Act 2007 or if listed as an exclusion on the policy.

You can still be treated as a Medicare patient in a Public Hospital for these exclusions.

There are no hospital exclusions, no co-payments and no benefit limitation periods on Gold Saver

Hospital Waiting Periods

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.

Accident Related One day
Psychiatric, Rehabilitation and Palliative Care Two months
Obstetrics-related services One year
Treatment of a Pre-existing Condition*
One year

* 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 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.

Extras Cover

What's included

General Dental

General Dental
$400 for singles and $800 for families and couples per calendar year on General Dental like checkups, cleans and fillings.

General Dental Rebates
Dental Services Maximum rebate per service
Examination up to $30
Simple extraction up to $80
Plaque removal up to $25
Calculus removal up to $55
Small filling up to $57
Medium filling up to $86
Large filling up to $120
Root Canal up to $122
Mouth guard up to $75 per member
per calendar year
Optical

$160 per member per calendar year with sub-limits listed below.

Optical Rebates and Sublimits
Type Sublimit per calendar year
Frame $50
Single vision lenses $60
Bifocal lenses $160
Multifocal lenses $160
Contact Lenses $160
Complementary Therapies

Includes Physiotherapy and Chiropractic services

Annual limit shared between all members on the policy

  • $200 per member per calendar year for singles
  • $400 per member per calendar year for couples or families
Complimentary Therapies Sublimits and Rebates
Type Rebate per service Single sublimits
per calendar year
Family or couple sublimits
per calendar year
Chiropractic $25 $200 $400
Chiropractic X-ray
(one per member per calendar year)
$35
Physiotherapy $25
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.


Prevention and Health Management Member Limits
Service Benefit per member
Mole Scanning $30 per calendar year
Hypnotherapy for Quit Smoking $100 lifetime limit

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.

No excess for kids or in an accident

For peace of mind if something unexpected should happen.

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.

 

Westfund Member Advantages

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

  • No Excess for day surgery, kids or in an accident

    Unlike many other funds, we don’t apply an excess^ on any claim for day surgery, kids or hospitalisation resulting from an accident.
    ^ may apply within 12 months of transferring from another fund. Standard hospital waiting periods apply.

  • Accident Benefit

    We'll pay you an additional payment of $100 per night if you're hospitalised as the result of an accident.
    Available after 1 day

  • Sunglasses Benefit

    Receive $50 per member per calendar year for sunglasses bought from any Westfund Care Centre.
    Available after 1 year

  • Accommodation Benefit

    Up to $100 per night for accommodation expenses, up to $400 a year per policy.
    Available after 2 years

  • Advanced Surgery Benefit

    $200 per night additional benefit for advanced surgical procedures due to heart disease, stroke or cancer – up to $2,400 per hospitalisation.
    Available after 2 years

  • 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 $10 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 $20 if no optical claims are made.
    Available after 2 months

What our Members say


90,000 +

members

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