How $65.08 is worked out
- Premium as filed - $85.76 a month
- Government rebate - 24.1% of the premium (never of the loading): -$20.68
- A month - $65.08
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $40.00; Scale and clean (item 114): $85.00; Fluoride treatment (item 121): $24.00; Tooth extraction (item 322): $150.00 | no yearly limit |
| Major dental | 12 months | Crown (item 615): $1000.00 | $1,400 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $140.00 | $1,400 per policy a year (shared with other services) |
| Braces * | 12 months | Braces, upper and lower, with a retainer (item 881): $2500.00 | $500 per policy a year, $2,500 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: $250.00; Multifocal glasses: $250.00 | $250 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $400 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $42.00; Follow-up visit: $42.00 | $420 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $300 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $272 per policy a year |
| Psychology | 2 months | First visit: $75.00; Follow-up visit: $75.00 | $300 per policy a year |
| Acupuncture | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $250 per policy a year |
| Hearing aids | 36 months | Hearing aid: $1400.00 | $1,400 per policy a year, 1 service every 3 years |
| Blood glucose monitors | 12 months | Blood: $100.00 | $100 per policy a year |
| Audiology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $160 per policy a year |
| Antenatal and postnatal | 12 months | First visit: 100% back; Follow-up visit: 100% back | $200 per policy a year |
| Chinese herbal medicine | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $250 per policy a year |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $420 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per policy a year |
| Health management programs | 2 months | Benefit: 100% back | $75 per policy a year |
| Home nursing | 2 months | First visit: $48.00; Follow-up visit: $48.00 | $150 per policy a year |
| Occupational therapy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $400 per policy a year |
| Orthotics | 12 months | Benefit: $200.00 | $200 per policy a year |
| Osteopathy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $300 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $48.00; Follow-up visit: $48.00 | $400 per policy a year |
| Vaccinations | 2 months | Vaccination: $50.00 | $400 per policy a year (shared with other services) |
* Our Orthodontic benefit accrues at $500 per policy year up to a lifetime limit of $2,500. Plus, access our Provider of Choice network — dental providers nationwide who work with us to help lower or eliminate out-of-pocket costs on selected preventative treatments.
Additional benefits included in this policy are Counselling, Health Aids & Appliances (e.g. Devices for Sleep Apnoea and Diagnosed Snoring, Respiratory Aids & Blood Pressure Monitors), Outpatient Travel, and Sunglasses purchased through a Westfund Care Centre or through Westfund’s online sunglasses store, The Collection. Please contact Westfund for details or visit www.westfund.com.au/help/ for additional claiming information.
No yearly limit on preventative dental.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I12/TDZG10, filed by Westfund Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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