Who owns Westfund Health Insurance?

Westfund is an Australian, member-owned health fund which is regionally-based and not-for-profit.

How many members does Westfund Health?

Westfund has approximately 135,000 members across Australia.

Is Westfund not for profit?

Yes, Westfund is a member-owned not-for-profit insurer.

Is Westfund a member-owned health fund?

Yes, Westfund is a 100% member-owned and not-for-profit health fund. This means the organisation prioritises reinvesting profits into lower premiums and improved benefits for members rather than paying dividends to shareholders.

Does Westfund offer 100% back on dental and optical services?

Yes, you can receive 100% back on selected preventative dental and optical items when visiting Westfund's own Dental and Eye Care Centres. This benefit is subject to your level of extras cover and your remaining annual limits.

Where are Westfund's Dental and Eye Care Centres located?

Westfund's physical health centres are located across regional New South Wales and Queensland in hubs such as Bathurst, Dubbo, Lithgow, Mackay and Maroochydore. These centres provide exclusive services and higher rebates for Westfund members.

Can I join Westfund if I do not live in New South Wales or Queensland?

Yes, Westfund health insurance is available to all Australian residents regardless of their location. While the fund has a regional heritage and physical branches in NSW and QLD, members across the country can access their national network of contracted private hospitals and healthcare providers.

What is the maximum benefit for non-emergency ambulance transport?

Westfund typically provides a benefit of up to $5,000 per member per calendar year for non-emergency patient transport. This is included in addition to unlimited emergency ambulance cover provided by recognised ambulance service providers.

Does Westfund offer age-based discounts for young adults?

Yes, Westfund provides age-based discounts of up to 10% on hospital cover premiums for eligible members aged 18 to 29. These discounts can be retained until the member reaches age 41 as long as they remain on an eligible policy.

Westfund Health Insurance Review

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Westfund offers an affordable standalone ambulance policy for around $50 a year.
While some hospital plans are costly, their Starter Extras policy won a 2024 Finder award.
Westfund maintained an excellent complaints record in the latest State of Health Funds Report.

Pros

If you only want ambulance cover, Westfund has an affordable policy for around $50 a year.
Westfund had an excellent complaints record in the most recent year and outperformed some major brands.
Westfund's Starter Extras policy won the Core Extras category in the 2024 Finder Health Insurance Awards.

Cons

Westfund's gold hospital policy is pricey, costing more than Bupa, HBF and Medibank.
If you're just looking for a cheap extras policy, lots of other brands offer lower-priced policies.
Westfund doesn't have a rewards or incentives program to encourage healthy living, like many others.

What types of health insurance does Westfund offer?

Westfund has a range of health insurance policies to consider. Keep in mind, when finding the best health insurance for you, it can be good to compare multiple providers.

7 of 7 results

Treatments	Price
Westfund Limited - Basic Plus 750 Hospital Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +1 other treatments covered	$19.99 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze 750 Hospital Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$23.11 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze Plus 750 Hospital Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +15 other treatments covered	$24.45 per week	View details Compare product selectionCompare	loading
Westfund Limited - Silver Plus Everyday 750 Hospital Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +24 other treatments covered	$29.12 per week	View details Compare product selectionCompare	loading
Westfund Limited - Silver Plus Advantage 750 Hospital Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +25 other treatments covered	$41.08 per week	View details Compare product selectionCompare	loading
Westfund Limited - Silver Plus Assure 750 Hospital Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$41.08 per week	View details Compare product selectionCompare	loading
Westfund Limited - Gold Ultimate 750 Hospital Gold$750 excess	Cataracts Joint replacements Palliative care Pregnancy and birth Sleep studies Weight loss surgery Rehabilitation Insulin pumps +30 other treatments covered	$71.12 per week	View details Compare product selectionCompare	loading

Showing 7 of 7 results

8 of 8 results

Treatments	Price
Westfund Limited - Ambulance Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$0.97 per week	View details Compare product selectionCompare	loading
Westfund Limited - Dental Saver Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$3.78 per week	View details Compare product selectionCompare	loading
Westfund Limited - Starter Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$5.76 per week	View details Compare product selectionCompare	loading
Westfund Limited - Choice Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$9.57 per week	View details Compare product selectionCompare	loading
Westfund Limited - Mid Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$11.07 per week	View details Compare product selectionCompare	loading
Westfund Limited - Freedom Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$13.10 per week	View details Compare product selectionCompare	loading
Westfund Limited - High Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$15.22 per week	View details Compare product selectionCompare	loading
Westfund Limited - Ultimate Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$23.16 per week	View details Compare product selectionCompare	loading

Showing 8 of 8 results

10 of 50 results

Treatments	Price
Westfund Limited - Basic Plus 750 Hospital + Dental Saver Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +1 other treatments covered Extras General dental Major dental Optical Hearing aids	$23.77 per week	View details Compare product selectionCompare	loading
Westfund Limited - Basic Plus 750 Hospital + Starter Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +1 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$25.75 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze 750 Hospital + Dental Saver Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids	$26.89 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze Plus 750 Hospital + Dental Saver Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids	$28.23 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze 750 Hospital + Starter Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$28.87 per week	View details Compare product selectionCompare	loading
Westfund Limited - Basic Plus 750 Hospital + Choice Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +1 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$29.56 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze Plus 750 Hospital + Starter Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$30.21 per week	View details Compare product selectionCompare	loading
Westfund Limited - Basic Plus 750 Hospital + Mid Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +1 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$31.06 per week	View details Compare product selectionCompare	loading
Westfund Limited - Bronze 750 Hospital + Choice Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$32.68 per week	View details Compare product selectionCompare	loading
Westfund Limited - Silver Plus Everyday 750 Hospital + Dental Saver Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +27 other treatments covered Extras General dental Major dental Optical Hearing aids	$32.90 per week	View details Compare product selectionCompare	loading

Showing 10 of 50 results

How to make a claim

For extras services, you can make a claim online via Members Online or through the Westfund app. Alternatively, you can email your extras claim to claims@westfund.com.au by attaching your completed claim form and any relevant receipts.

For hospital claims, if you have received a bill (you won't always receive a bill), you'll need to fill in a Medicare claim form and a two-way claim form to submit your claim to Medicare first. Medicare will then process your forms and send them to Westfund to process.

Complaints info

Westfund had an excellent complaints performance in the most recent State of the Health Funds Report. Data shows Westfund has 0.9% market share and only accounted for 0.5% of complaints made to the Commonwealth Ombudsman.

Frequently Asked Questions

Sources

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.

Written by

Nicola Middlemiss

Journalist

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 170 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

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Westfund health insurance review

Westfund offers lots of choice, including a standalone ambulance policy, but it’s not the cheapest brand on the market.

Key takeaways

Pros

Cons