Nobody chooses to be ill or have an accident, but you can choose to make sure you’re treated when and where is best for you.

That’s why private health cover is so important. It means not having to wait for surgery and having access to the best treatment around. If you have Extras cover, it also means getting money back for important things that help maintain your health like Dental, Optical and Complementary Therapies.

Financial Benefits

The Federal Government encourages people to have health insurance through a number of measures:

Australian Government Rebate on Private Health Insurance

Most Australians with private health insurance receive a rebate from the Australian Government to help cover the cost of their premiums. The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas visitors cover. The private health insurance rebate is income tested. The table shows the different rebate tiers and Medicare Levy Surcharge levels that apply from 1 July 2013. You may choose to reduce your premium as you go or claim it with your annual Income Tax Return.

The Medicare Levy Surcharge

If you’re a couple earning more than $180,000 or a single earning more than $90,000 and you don’t have private health cover, your Medicare levy can increase by 2% of your taxable income. You can easily avoid this by joining one of our Hospital covers.

Important changes to the private health insurance rebate and Medicare levy surcharge were introduced from July 1 2012.

Almost 31 or older? Avoid paying the Lifetime Health Cover loading

If you don’t get hospital cover before you turn 31, you pay a Lifetime Health Cover loading of 2% on your base hospital cover premium for each year your age exceeds 30 when you do join. This loading is only removed after 10 years of continuous hospital cover.

This means it’s a big advantage to get private hospital cover before you turn 31. Even if you’ve already turned 31, the sooner you join Westfund Health Insurance, the lower your loading will be.

If you don’t currently have private health cover, get a quote from Westfund.

To see if you will incur a loading, use the calculator from

To find out more about the lifetime heath cover, visit:
Department of Health and Ageing

Lifetime Health Cover loading

Due to Australian Government legislation, if you currently pay a LHC loading, from 1 July 2013, the Rebate will no longer apply to the LHC component of your hospital cover premiums. You will still receive the Rebate on the standard component of your hospital cover.