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Westfund health insurance review

Westfund health insurance could be good if you want a not-for-profit that comes with perks; but some insurers had a better complaints record.

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  • Good for Australians wanting to support a locally-owned, not-for-profit fund.
  • Good for supporting members – you get access to health and wellbeing programs.


  • A handful insurers, including HBF and Peoplecare, had a better complaints record in 2022.

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Westfund health insurance: Our verdict

Westfund Health is the only health fund exclusively serving the Australian nursing and midwifery community. It offers a suite of hospital and extras covers that can be selected individually or combined into a package to provide cover that suits your unique needs.

Westfund is good if:

You're living in Australia from overseas and you want hospital cover.

  • You want a not-for-profit health fund.
  • You want to go with not-for-profit health fund – profits go back to its members.

Westfund is not great if:

  • You aren't interested in going with a not-for-profit.

Review by our insurance and innovations editor Gary Ross Hunter

What types of health insurance does Westfund offer?

Hospital icon

Hospital Coverage


  • Gold Hospital. This is the most comprehensive hospital cover, offering cover for all 38 gold clinical categories.
  • Silver Plus Assure Hospital. High-level hospital cover suitable for older adults that includes cataracts, joint replacements and sleep studies. It excluded pregnancy and birth cover.
  • Silver Hospital. A broad range of treatments including heart and vascular system but without pregnancy and birth or joint replacements.
  • Bronze Hospital. Entry-level private hospital cover for the budget conscious. Most suited to young singles and couples, it covers basics like joint reconstructions, dental surgery, chemotherapy, radiotherapy and immunotherapy for cancer.
  • Basic Hospital. This covers you for treatment as a private patient in a public hospital. It also included ambulance cover.

Extras icon

Extras coverage


  • Ultimate Extras. Top-level extras cover suitable to those maintaining a proactive lifestyle, with generous limits on a wide range of benefits.
  • Advantage Pro Extras. Top-level extras cover for growing families, providing a higher level of benefit on fundamental services like dental, physiotherapy, optical and chiropractic.
  • Esteem Extras. Ideal for older singles and couples, this top-level cover with generous benefits per person on dental, physiotherapy, optical and chiropractic services.
  • Advantage Extras. Mid-level cover with additional benefits for key services.
  • Essential Extras. Basic cover for those on a budget, this covers general dental and comes with a grouped benefit for therapies, optical and health management.

Ambulance icon

Ambulance coverage

Westfund also offers standalone ambulance health insurance and includes it in all of its hospital policies.

What is covered:

  • Emergency Ambulance Transport
  • Non-Emergency Patient Transport

Westfund health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Here's how Westfund stacked up:

  • It received more complaints (1.0%) than its overall market share (0.9%). Several other funds including Phoenix, HBF and Peoplecare did better.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Westfund is eleventh overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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Westfund frequently asked questions

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