Westfund Health Insurance

With 90 years under their belt, Westfund Health Insurance offers many affordable health policies to regional NSW and Queensland.

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Whether you're an Australian looking for top cover from a locally-owned, not-for-profit fund, or an overseas visitor hunting for your required hospital cover, Westfund Health Insurance has a policy option for you. From basic to premium cover, there's cover for all ages and budgets.

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Top 3 features
  1. Good for Australians wanting to support a locally-owned, not-for-profit fund.
  2. Good for their Member Advantages program.
  3. Good for people living in Australia from overseas who need hospital cover.

Who is Westfund Health Insurance?

If you're looking for a private health fund to offer peace of mind and help you take better care of yourself, Westfund Health can help. Established in 1929, Westfund is a regional, not-for-profit, member-owned health fund, which means all its profits are returned to members in the form of cheaper premiums and better products.

With locations across NSW and Queensland, Westfund is a wholly Australian-owned and operated fund with a presence in 12 towns and regional cities.

What health insurance options are available?

As well as any ambulance costs resulting from a medical emergency, Westfund Health covers charges for treatment in all public and most private hospitals in Australia (restriction applies to psychiatric services). Hospital Only policies also come with Westfund Members Advantages and you can choose to pay a $500 excess and benefit from lower premiums, though waiting periods may apply.


  • Gold Hospital. Protect your loved ones with our most comprehensive quality hospital cover, offering peace of mind with no exclusions or restrictions.
  • Silver Plus Assure Hospital. High-level hospital cover suitable for older adults, providing security for later in life.
  • Silver Hospital. Only pay for what you need with mid-level hospital cover suited for established families and couples.
  • Bronze Hospital. Entry-level private hospital cover for the budget conscious. Most suited to young singles and couples.
  • Basic Hospital. Be covered as a private patient in a public hospital.


  • Ultimate Extras. Top-level extras cover suitable to those maintaining a proactive lifestyle, with generous limits on a wide range of benefits.
  • 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 Pro Extras. Top-level extras cover for growing families, providing a higher level of benefit on fundamental services like dental, physiotherapy, optical and chiropractic.
  • Advantage Extras. Mid-level cover with additional benefits for key services.
  • Essential Extras. Basic cover for those on a budget. Suited to fit and healthy young singles, couples and families.

Information on tiers

Westfund Health Insurance has made changes to their policies as of 1 April 2019 to ensure compliance with the government Private Health Insurance Reforms and to help improve transparency and understanding of their products.

In line with the reforms, Westfund Health have also changed the maximum excess available on most policies.

Member offers

Westfund's Member Advantages program rewards its customers for maintaining their policies with the following bonuses:

  • No excess for day surgery, kids or private hospital accident admissions. Westfund does not apply an excess to any claim for day surgery or hospitalisation resulting from an accident when you need to be admitted to a private hospital. This is also the case for kids admitted to a public or private Hospital on gold and silver tiered policies.
  • Forced Retrenchment Benefit. You can suspend your membership for half a year if you're made redundant.
  • Protected Industrial Action. You can suspend your membership for half a year due to protected industrial action. Available after 36 months.
  • Overseas Travel. You can suspend your membership for as much as 24 months due to overseas travel.
  • Westfund Dental and Eyecare. Member fees apply at Westfund Eye Care Centres and Westfund Dental Care Centre, Lithgow for Hospital Only and Ambulance policies.

How to make a claim

If you need to make an extras claim, you can simply swipe your Westfund membership card at any provider that offers on-the-spot electronic claiming. Where this is not an option, the quickest and easiest way is probably the Westfund app, which is available for Android and Apple.

Alternatively, download a claim form from the Westfund website, fill it out, sign it and return it to the health fund via email, mail or fax. A handy online claims portal is also available through the members area of the Westfund Health website.

In terms of hospital claims, most hospitals will send the bill directly to your health fund. However, in other cases you can lodge a claim via the Westfund website.

Overseas visitors or Students

There are three policy options for residents from overseas, from budget to comprehensive cover.

  • Overseas Top Plus Hospital with Extras. A premium level of cover with no hospital exclusions and the highest level of dental, optical, physio and chiro cover, perfect for families with young children.
  • Overseas Top Hospital with Extras. Cover for people from overseas who hold certain working visas. This policy ensures you get the best hospital care plus excellent extras.
  • Overseas Hospital. Hospital cover for people living in Australia from overseas and hold a 457 working visa.

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6 Responses

    Default Gravatar
    OlgaDecember 3, 2018

    Hi everyone

    I’d like to find out what health fund is best for covering invisalign orthodontic braces and other dental work. I need dental only plan with the highest lifetime limit please. Appreciate your advice.


      Avatarfinder Customer Care
      JeniDecember 9, 2018Staff

      Hi Olga,

      Thank you for getting in touch with Finder.

      I suggest that you get an extras cover that includes orthodontics so your invisalign treatment will be covered to the same level as traditional braces and confirm the extent of cover available with your fund and check any annual or lifetime limits that may apply. You may use our guide in choosing a dental health insurance. Kindly enter all details asked to compare your options.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


    Default Gravatar
    snags2009@live.comNovember 12, 2015

    I am paying $314 a month for my wife and I. We are both in our 80’s. Is there a lower premium that I can pay that leaves out pregnancy and similar benefits.

      Avatarfinder Customer Care
      RichardNovember 12, 2015Staff

      Hi Snags,

      Thanks for your question.

      If you would like to speak with an advisor about the options available to you, please complete the form on the health insurance homepage and a broker will be in touch to walk you through the options available to you. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

      Default Gravatar
      GwynnethMarch 28, 2016

      What benefits do we lose if my husband I drop to gold instead of platinum cover on 1st April 2016

      Avatarfinder Customer Care
      RichardMarch 29, 2016Staff

      Hi Gwynneth,

      Thanks for your question.

      Switching to a different plan may involve significant changes to your coverage. It is best that you contact Westfund directly about its cover and benefits.

      All the best,

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