Westfund
Silver Plus Family 750 Hospital (Dependants under 25)
Westfund
How $390.70 is worked out
- Premium as filed - $514.88 a month
- Government rebate - 24.1% of the premium (never of the loading): -$124.18
- A month - $390.70
Go to insurer no commission on this policy
Hospital: what is covered
Covered (31)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (6)
- Cataracts
- Dialysis for chronic kidney failure
- Insulin pumps
- Joint replacements
- Pain management with device
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $750 per policy a year. No excess for accidents, dependants.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Travel & Accommodation benefits for inpatient hospitalisations. Access to health and wellbeing programs to provide rehabilitation and hospital care from home as well as management of chronic conditions (mental health, cancer support, weight management).
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Major dental | 12 months | Crown (item 615): 60% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 60% back | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Audiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Antenatal and postnatal | 12 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Home nursing | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Occupational therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: 60% back | $500 per person a year, $1,000 per policy a year (shared with other services) |
Not covered: Braces, Hearing aids, Blood glucose monitors, Orthotics.
* 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, 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.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Tasmania
Westfund has agreements with 11 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Tasmanian Digestive Centre - Devonport (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $750 | $638.78 |
| NSW | Me and my partner | $500 | $689.09 |
| NSW | My family | $750 | $638.78 |
| NSW | My family | $500 | $689.09 |
| NSW | Just me | $750 | $440.52 |
| NSW | Just me | $500 | $475.23 |
| NSW | Me and my children | $750 | $440.52 |
| NSW | Me and my children | $500 | $475.23 |
| NT | Me and my partner | $750 | $507.96 |
| NT | Me and my partner | $500 | $558.31 |
| NT | My family | $750 | $507.96 |
| NT | My family | $500 | $558.31 |
| NT | Just me | $750 | $350.30 |
| NT | Just me | $500 | $385.01 |
| NT | Me and my children | $750 | $350.30 |
| NT | Me and my children | $500 | $385.01 |
| QLD | Me and my partner | $750 | $672.97 |
| QLD | Me and my partner | $500 | $722.15 |
| QLD | My family | $750 | $672.97 |
| QLD | My family | $500 | $722.15 |
| QLD | Just me | $750 | $464.10 |
| QLD | Just me | $500 | $498.03 |
| QLD | Me and my children | $750 | $464.10 |
| QLD | Me and my children | $500 | $498.03 |
| SA | Me and my partner | $750 | $585.83 |
| SA | Me and my partner | $500 | $636.18 |
| SA | My family | $750 | $585.83 |
| SA | My family | $500 | $636.18 |
| SA | Just me | $750 | $403.99 |
| SA | Just me | $500 | $438.70 |
| SA | Me and my children | $750 | $403.99 |
| SA | Me and my children | $500 | $438.70 |
| TAS | Me and my partner | $750 | $619.80 |
| TAS | Me and my partner | $500 | $670.15 |
| TAS | My family | $750 | $619.80 |
| TAS | My family | $500 | $670.15 |
| TAS | Just me | $750 | $427.44 |
| TAS | Just me | $500 | $463.01 |
| TAS | Me and my children | $750 | $427.44 |
| TAS | Me and my children | $500 | $463.01 |
| VIC | Me and my partner | $750 | $746.64 |
| VIC | Me and my partner | $500 | $796.99 |
| VIC | My family | $750 | $746.64 |
| VIC | My family | $500 | $796.99 |
| VIC | Just me | $750 | $514.88 |
| VIC | Just me | $500 | $549.64 |
| VIC | Me and my children | $750 | $514.88 |
| VIC | Me and my children | $500 | $549.64 |
| WA | Me and my partner | $750 | $593.28 |
| WA | Me and my partner | $500 | $643.63 |
| WA | My family | $750 | $593.28 |
| WA | My family | $500 | $643.63 |
| WA | Just me | $750 | $409.15 |
| WA | Just me | $500 | $443.86 |
| WA | Me and my children | $750 | $409.15 |
| WA | Me and my children | $500 | $443.86 |
Member retention (hospital cover)
86.3% is the Commonwealth Ombudsman's figure for Westfund in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
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 J52/VGQM1D, filed by Westfund Limited, issued 1 June 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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