Westfund health insurance review

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

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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.

Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Bronze 750 Hospital
Bronze$750 excess
Westfund Limited logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$91.22
per month
All treatments
Basic Public 750 Hospital
Basic Plus$750 excess
Westfund Limited logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$95.79
per month
All treatments
Bronze Plus 750 Hospital
Bronze Plus$750 excess
Westfund Limited logo
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$99.68
per month
All treatments
Silver 750 Hospital
Silver$750 excess
Westfund Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +23 other treatments covered
$114.57
per month
All treatments
Silver Plus Assure 750 Hospital
Silver Plus$750 excess
Westfund Limited logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$162.08
per month
All treatments
Westfund Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$263.12
per month
All treatments
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Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Ambulance
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$3.99
per month
All treatments
Starter Extras
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$23.69
per month
All treatments
Choice Extras
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$38.65
per month
All treatments
Mid Extras
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$44.50
per month
All treatments
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +5 other treatments covered
$53.61
per month
All treatments
High Extras
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$62.01
per month
All treatments
Ultimate Extras
Extras cover
Westfund Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$95.20
per month
All treatments
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Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Westfund Limited logo
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
$114.90
per month
All treatments
Westfund Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$119.47
per month
All treatments
Westfund Limited logo
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
$123.36
per month
All treatments
Westfund Limited logo
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
$129.86
per month
All treatments
Westfund Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$134.43
per month
All treatments
Westfund Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$135.71
per month
All treatments
Westfund Limited logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +26 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
$138.26
per month
All treatments
Westfund Limited logo
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
$138.32
per month
All treatments
Westfund Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$140.28
per month
All treatments
Westfund Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +18 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$144.17
per month
All treatments
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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.

Finder Awards badge

Congratulations, Westfund!

Westfund received the following awards in the 2024 Product Awards:

  • 'Health Insurance - Core Extras' - Winner
  • 'Health Insurance - Comprehensive Extras' - Highly Commended
Full list of 2024 winners

FAQs

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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.
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Journalist

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

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Nicola has written 241 Finder guides across topics including:
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  • Personal insurance, including car, health, home, life, pet and travel insurance
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