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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.


  • Some insurers including Medibank, Bupa and TUH had a better complaints record in 2020.

This provider is not available via finder. You can visit www.westfund.com.au for more information or compare more options now.

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 writer Gary 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 2020 Ombudsman health insurance complaints. Here's how Bupa stacked up:

  • It didn't receive more complaints than its market share which suggests overall its customers are happy with the service it provides.
  • While it didn't receive more complaints than its market share, several other funds including TUH, HBF and St.Lukes 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. Westfund is 11th overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Westfund frequently asked questions

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6 Responses

  1. 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!


  2. Default Gravatar
    snagsNovember 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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