Westfund health insurance

Is it a good health insurer?

Westfund has 7 hospital and 7 extras policies in our comparison, from $91.97 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Westfund Limited. Hospital, extras or both.

Explore 7 hospital and 7 extras products, or find cover by treatment. Sources for Westfund

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Westfund cover: the main choices.

If you claim major dental every year

Ultimate Extras has a $1,500 major dental limit. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

For lung and chest treatment

Bronze Plus Hospital does not fully cover lung and chest treatment. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Before you pay for Bronze

Bronze Hospital adds bone, joint and muscle treatment and other categories compared with Basic Plus Hospital but does not fully cover dental surgery, which Basic Plus Hospital includes. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Westfund policies and example prices.

The profile you choose updates the Westfund price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Westfund price for your circumstances? Compare Westfund with cover across all Australian health funds.

Compare my options

Hospital cover

7 product lines

Westfund sells Gold Ultimate Hospital only with a Westfund extras policy.

Westfund hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic Plus HospitalBasic Plus Hospital	$91.97/month	Policy details: Basic Plus Hospital
Bronze	Bronze HospitalBronze Hospital	$106.64/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$115.61/month	Policy details: Bronze Plus Hospital
Silver Plus	Silver Plus Everyday HospitalSilver Plus Everyday Hospital	$146.79/month	Policy details: Silver Plus Everyday Hospital
Silver Plus	Silver Plus Advantage HospitalSilver Plus Advantage Hospital	$199.73/month	Policy details: Silver Plus Advantage Hospital
Silver Plus	Silver Plus Assure HospitalSilver Plus Assure Hospital	$199.73/month	Policy details: Silver Plus Assure Hospital
Gold	Gold Ultimate HospitalGold Ultimate Hospital	$322.87/month	Policy details: Gold Ultimate Hospital

$123.14 more per month for Gold Ultimate Hospital versus Silver Plus Assure Hospital after rebate for the selected example profile.

Assisted reproductive services is an additional inclusion, not the complete list of differences.

Extras cover

7 product lines

Westfund sells Mid Extras only with a Westfund hospital policy.

Westfund extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Dental Saver ExtrasDental Saver Extras	$16.38/month	Policy details: Dental Saver Extras
Starter ExtrasStarter Extras	$24.96/month	Policy details: Starter Extras
Choice ExtrasChoice Extras	$41.43/month	Policy details: Choice Extras
Mid ExtrasMid Extras	$47.94/month	Policy details: Mid Extras
Freedom ExtrasFreedom Extras	$56.72/month	Policy details: Freedom Extras
High ExtrasHigh Extras	$65.90/month	Policy details: High Extras
Ultimate ExtrasUltimate Extras	$100.29/month	Policy details: Ultimate Extras

Westfund also sells Silver Plus Family Hospital as one policy with both hospital and extras cover. It costs $360.61 a month for the Single · NSW · $500 hospital excess example, after rebate.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Westfund Silver Plus Everyday Hospital comparisons. All policy links remain available.

All Westfund policy pages

What does Westfund hospital insurance cover?

Choose a treatment

3 Westfund hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus Advantage HospitalSilver Plus Advantage Hospital	$199.73/month	Check policy details: Silver Plus Advantage Hospital
Silver Plus	Silver Plus Assure HospitalSilver Plus Assure Hospital	$199.73/month	Check policy details: Silver Plus Assure Hospital
Gold	Gold Ultimate HospitalGold Ultimate Hospital	$322.87/month	Check policy details: Gold Ultimate Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. Gold Ultimate Hospital is sold only with a Westfund extras policy, so its hospital price is not the whole cost. How we read hospital categories

Compare selected treatment categories across all 7 hospital policies

Selected Westfund treatment categories.

Treatment	Basic Plus HospitalBasic Plus	Bronze HospitalBronze	Bronze Plus HospitalBronze Plus	Silver Plus Everyday HospitalSilver Plus	Silver Plus Advantage HospitalSilver Plus	Silver Plus Assure HospitalSilver Plus	Gold Ultimate HospitalGold
Cataracts	Not included	Not included	Not included	Not included	Included	Included	Included
Joint replacements	Not included	Not included	Not included	Not included	Included	Included	Included
Heart and vascular system	Not included	Not included	Not included	Included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Included
Lung and chest	Not included	Not included	Not included	Included	Included	Included	Included
Insulin pumps	Not included	Not included	Not included	Not included	Not included	Included	Included
Bone, joint and muscle	Not included	Included	Included	Included	Included	Included	Included
Brain and nervous system	Not included	Included	Included	Included	Included	Included	Included
Breast surgery (medically necessary)	Not included	Included	Included	Included	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Not included	Included	Included	Included	Included	Included	Included
Diabetes management (excluding insulin pumps)	Not included	Included	Included	Included	Included	Included	Included
Digestive system	Not included	Included	Included	Included	Included	Included	Included
Ear, nose and throat	Not included	Included	Included	Included	Included	Included	Included
Eye (not cataracts)	Not included	Included	Included	Included	Included	Included	Included
Gastrointestinal endoscopy	Not included	Included	Included	Included	Included	Included	Included
Gynaecology	Not included	Included	Included	Included	Included	Included	Included
Kidney and bladder	Not included	Included	Included	Included	Included	Included	Included
Male reproductive system	Not included	Included	Included	Included	Included	Included	Included
Miscarriage and termination of pregnancy	Not included	Included	Included	Included	Included	Included	Included
Pain management	Not included	Included	Included	Included	Included	Included	Included
Skin	Not included	Included	Included	Included	Included	Included	Included
Dental surgery	Included	Not included	Included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Westfund extras limits per 12 months unless the statement says otherwise

Selected benefit	Dental Saver Extras	Starter Extras	Choice Extras	Mid Extras	High Extras	Ultimate Extras
Optical / physio benefit examples	Not included	Optical: $180.00 set benefit. Physio: $25.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: 50% of eligible charge	Optical: $250.00 set benefit. Physio: $30.00 set benefit for an initial visit	Optical: $250.00 set benefit. Physio: $42.00 set benefit for an initial visit	Optical: $350.00 set benefit. Physio: $52.00 set benefit for an initial visit
Optical limit	Not included	$400.00sub-limits apply. Shared with physiotherapy, chiropractic, podiatry and other services	$200.00	$250.00	$250.00	$350.00
Physiotherapy limit	Not included	$400.00sub-limits apply. Shared with optical, chiropractic, podiatry and other services	$400.00Shared with chiropractic, podiatry, psychology and other services	$300.00Shared with exercise physiology	$420.00Shared with exercise physiology	$520.00Shared with exercise physiology
Major dental + endodontic limit	Not included	Not included	$800.00Shared with general dental	$1,125.00Shared with general dental	$1,400.00	$1,500.00
Psychology included?	No	Yes	Yes	Yes	Yes	Yes
Optical waiting period	Not included	2 months	2 months	2 months	2 months	2 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Mid Extras → High Extras

Both single-policy examples have a $250 optical limit. But High Extras raises the shared physio limit from $300 to $420. It also raises the major dental limit from $1,125 to $1,400.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.

Ultimate Extras: higher benefit examples

Choice Extras pays 100% for the optical example. Ultimate Extras pays a $350.00 set benefit instead. It has a $350 optical limit and $520 shared physio limit for the Single-policy example.Compare these benefits with the premium. A set benefit is a fixed payment for the listed treatment.

Why Westfund's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 2 months.

How shared limits work

Westfund vs. GMHBA vs. Peoplecare

How Westfund compares with similar hospital policies.

These are selected Silver Plus examples from GMHBA and Peoplecare, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Westfund Silver Plus Everyday Hospital with GMHBA Silver Plus Hospital and Peoplecare Silver Plus Essentials Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Westfund and selected alternatives: monthly prices and verified coverage differences.

Compare	WestfundSilver Plus Everyday HospitalReference policy	GMHBA Silver Plus Hospital$1.55 less a month than Westfund	Peoplecare Silver Plus Essentials Hospital$2.37 less a month than Westfund
Monthly premium after rebate	$146.79/month	$145.24/month	$144.42/month (lowest price in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Heart and vascular system	Included	Included	Included
Policy details	View Westfund Silver Plus Everyday Hospital	View GMHBA Silver Plus Hospital	View Peoplecare Silver Plus Essentials Hospital

Price assumptions

What the differences mean for you

All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.

These alternatives match Westfund Silver Plus Everyday Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Westfund and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	WestfundSilver Plus Everyday Hospital	GMHBA Silver Plus Hospital	Peoplecare Silver Plus Essentials Hospital
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Westfund with cover from every Australian health fund.

Compare all funds

Westfund against the industry.

Westfund members had no gap on 89.7% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Westfund paid 43.1% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Westfund increased premiums by an average of 3.26% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

3.2 / 5

6 Google reviews

Voluntary customer reviews · Westfund Health Insurance on Read Avenue in Lithgow

Snapshot: 26 October 2026. This is the Google listing for Westfund Health Insurance on Read Avenue in Lithgow, not a rating of Westfund as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Westfund Health Insurance on Read Avenue in Lithgow reviews at the source

Complaint share is close to market share, but investigated complaints are higher

Share of all complaints, 2024-250.6%

Market share, 30 June 20250.9%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Westfund's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 2.7%, above its market share.

Latest quarter, January to March 2026. The Ombudsman referred 3 complaints about Westfund Limited to it to resolve, 0.5% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

2.7 / 5

72 App Store ratings

Westfund Health Insurance app · Westfund Ltd

Snapshot: 23 October 2026. Westfund Health Insurance is Westfund's own app. This rates the app on the Australian App Store, not Westfund's cover or claims. This small sample may not reflect the experience of most members.

See Westfund Health Insurance on the App Store

Google Play

3.0 / 5

94 Google Play reviews

Westfund Health Insurance app · Westfund Health Ltd

Snapshot: 23 October 2026. Westfund Health Insurance is Westfund's own app. This rates the app on Google Play, not Westfund's cover or claims. This small sample may not reflect the experience of most members.

See Westfund Health Insurance on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Westfund recognises your provider. Ask for a treatment plan and item numbers so Westfund can estimate your benefits and out-of-pocket costs.
Westfund provider search
Make or track a claim
Use Westfund's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Westfund

For general enquiries, call 1300 937 838. Monday to Friday 8am to 5pm (AEST).Contact details checked 23 October 2026.Official contact details and messaging options

Before you choose Westfund.

Who owns Westfund?

Westfund is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 23 October 2026.

Can younger adults get a discount with Westfund?

Westfund offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.

Source: Official Westfund information, checked 26 October 2026.

What is the cheapest Westfund hospital policy?

Basic Plus Hospital is the cheapest Westfund hospital policy for a single person in NSW with a $500 hospital excess, at $91.97 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 7 Westfund hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Hospital to Silver Plus Everyday Hospital?

Westfund Silver Plus Everyday Hospital adds full cover for heart and vascular system, implantation of hearing devices and 6 more categories compared with Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $31.18 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Westfund.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Westfund · checked 26 October 2026
State of the Health Funds Report 2024-25 · Westfund · checked 26 October 2026
Government insurer profile · Westfund · checked 23 October 2026
Government premium-increase figures · Westfund · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Westfund Health Insurance on Read Avenue in Lithgow · Westfund · checked 26 October 2026
App Store listing for Westfund Health Insurance · Westfund Ltd · checked 23 October 2026
Google Play listing for Westfund Health Insurance · Westfund Health Ltd · checked 23 October 2026
Official contact details · Westfund · checked 23 October 2026
Official Westfund information · Westfund · checked 26 October 2026

How we compare health insurers

Compare Westfund policies Sources for Westfund Back to top

All policies by cover type

Hospital (29)

Show 17 more

Extras (25)

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Hospital and extras (2)

Ambulance (4)

Overseas visitors (3)

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