Westfund
Registered as Westfund Limited · fund code WFD · Open membership
Health insurance
Westfund sells 1,204 open policies with hospital cover (1,148 hospital-only, 56 combined with extras, counting one per state and household type) in all states, grouped below into 84 products, of which 73 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Athlete Gold Hospital | Gold | Hospital | $250 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $300.69 – $740.57 | |
| Gold Ultimate 500 Hospital | Gold | Hospital | $500 | None | 38 | 0 | Yes | Add-on | All states | SCSingle, Couple | $355.03 – $919.88 |
| Gold Ultimate 500 Hospital (Dependants under 25) | Gold | Hospital | $500 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $639.04 – $938.30 |
| Gold Ultimate 500 Hospital (Dependants under 31) | Gold | Hospital | $500 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $710.06 – $1,149.89 |
| Gold Ultimate 500 Hospital (Disability Dependants) | Gold | Hospital | $500 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $710.06 – $1,149.89 |
| Gold Ultimate 750 Hospital | Gold | Hospital | $750 | None | 38 | 0 | Yes | Add-on | All states | SCSingle, Couple | $335.57 – $881.10 |
| Gold Ultimate 750 Hospital (Dependants under 25) | Gold | Hospital | $750 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $604.02 – $898.69 |
| Gold Ultimate 750 Hospital (Dependants under 31) | Gold | Hospital | $750 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $671.15 – $1,101.36 |
| Gold Ultimate 750 Hospital (Disability Dependants) | Gold | Hospital | $750 | None | 38 | 0 | Yes | Add-on | All states | FPFamily, Single parent | $671.15 – $1,101.36 |
| Athlete Silver Hospital | Silver Plus | Hospital | $250 | None | 30 | 2 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $187.81 – $408.03 | |
| Athlete Silver Plus Hospital | Silver Plus | Hospital | $500 | None | 32 | 2 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $289.47 – $732.59 | |
| Silver Plus Advantage 250 Hospital | Silver Plus | Hospital | $250 | None | 32 | 1 | Yes | All states | SCSingle, Couple | $200.72 – $624.91 | |
| Silver Plus Advantage 250 Hospital (Dependants under 25) | Silver Plus | Hospital | $250 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $361.31 – $637.39 | |
| Silver Plus Advantage 250 Hospital (Dependants under 31) | Silver Plus | Hospital | $250 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $401.44 – $781.13 | |
| Silver Plus Advantage 250 Hospital (Disability Dependants) | Silver Plus | Hospital | $250 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $401.44 – $781.13 | |
| Silver Plus Advantage 500 Hospital | Silver Plus | Hospital | $500 | None | 32 | 1 | Yes | All states | SCSingle, Couple | $187.24 – $598.52 | |
| Silver Plus Advantage 500 Hospital (Dependants under 25) | Silver Plus | Hospital | $500 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $337.05 – $610.52 | |
| Silver Plus Advantage 500 Hospital (Dependants under 31) | Silver Plus | Hospital | $500 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $374.49 – $748.19 | |
| Silver Plus Advantage 500 Hospital (Disability Dependants) | Silver Plus | Hospital | $500 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $374.49 – $748.19 | |
| Silver Plus Advantage 750 Hospital | Silver Plus | Hospital | $750 | None | 32 | 1 | Yes | All states | SCSingle, Couple | $170.43 – $553.54 | |
| Silver Plus Advantage 750 Hospital (Dependants under 25) | Silver Plus | Hospital | $750 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $306.76 – $564.59 | |
| Silver Plus Advantage 750 Hospital (Dependants under 31) | Silver Plus | Hospital | $750 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $340.86 – $691.90 | |
| Silver Plus Advantage 750 Hospital (Disability Dependants) | Silver Plus | Hospital | $750 | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $340.86 – $691.90 | |
| Silver Plus Advantage Hospital | Silver Plus | Hospital | — | None | 32 | 1 | Yes | All states | SCSingle, Couple | $214.72 – $661.01 | |
| Silver Plus Advantage Hospital (Dependants under 25) | Silver Plus | Hospital | — | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $386.49 – $674.22 | |
| Silver Plus Advantage Hospital (Dependants under 31) | Silver Plus | Hospital | — | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $429.43 – $826.24 | |
| Silver Plus Advantage Hospital (Disability Dependants) | Silver Plus | Hospital | — | None | 32 | 1 | Yes | All states | FPFamily, Single parent | $429.23 – $826.24 | |
| Silver Plus Assure 250 Hospital | Silver Plus | Hospital | $250 | None | 34 | 1 | Yes | All states | SCSingle, Couple | $252.46 – $624.91 | |
| Silver Plus Assure 250 Hospital (Dependants under 25) | Silver Plus | Hospital | $250 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $454.44 – $637.39 | |
| Silver Plus Assure 250 Hospital (Dependants under 31) | Silver Plus | Hospital | $250 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $504.92 – $781.13 | |
| Silver Plus Assure 250 Hospital (Disability Dependants) | Silver Plus | Hospital | $250 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $504.92 – $781.13 | |
| Silver Plus Assure 500 Hospital | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | SCSingle, Couple | $241.50 – $598.52 | |
| Silver Plus Assure 500 Hospital (Dependants under 25) | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $434.72 – $610.52 | |
| Silver Plus Assure 500 Hospital (Dependants under 31) | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $482.99 – $748.19 | |
| Silver Plus Assure 500 Hospital (Disability Dependants) | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $482.99 – $748.19 | |
| Silver Plus Assure 750 Hospital | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCSingle, Couple | $219.35 – $553.54 | |
| Silver Plus Assure 750 Hospital (Dependants under 25) | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $394.85 – $564.59 | |
| Silver Plus Assure 750 Hospital (Dependants under 31) | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $438.75 – $691.90 | |
| Silver Plus Assure 750 Hospital (Disability Dependants) | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $438.75 – $691.90 | |
| Silver Plus Assure Hospital | Silver Plus | Hospital | — | None | 34 | 1 | Yes | All states | SCSingle, Couple | $269.10 – $661.01 | |
| Silver Plus Assure Hospital (Dependants under 25) | Silver Plus | Hospital | — | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $484.38 – $674.22 | |
| Silver Plus Assure Hospital (Dependants under 31) | Silver Plus | Hospital | — | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $538.20 – $826.24 | |
| Silver Plus Assure Hospital (Disability Dependants) | Silver Plus | Hospital | — | None | 34 | 1 | Yes | All states | FPFamily, Single parent | $538.20 – $826.24 | |
| Silver Plus Everyday 250 Hospital | Silver Plus | Hospital | $250 | None | 29 | 1 | Yes | All states | SCSingle, Couple | $182.87 – $453.74 | |
| Silver Plus Everyday 250 Hospital (Dependants under 25) | Silver Plus | Hospital | $250 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $329.12 – $462.80 | |
| Silver Plus Everyday 250 Hospital (Dependants under 31) | Silver Plus | Hospital | $250 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $365.69 – $567.19 | |
| Silver Plus Everyday 250 Hospital (Disability Dependants) | Silver Plus | Hospital | $250 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $365.69 – $567.19 | |
| Silver Plus Everyday 500 Hospital | Silver Plus | Hospital | $500 | None | 29 | 1 | Yes | All states | SCSingle, Couple | $164.54 – $421.46 | |
| Silver Plus Everyday 500 Hospital (Dependants under 25) | Silver Plus | Hospital | $500 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $296.14 – $429.87 | |
| Silver Plus Everyday 500 Hospital (Dependants under 31) | Silver Plus | Hospital | $500 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $329.07 – $526.80 | |
| Silver Plus Everyday 500 Hospital (Disability Dependants) | Silver Plus | Hospital | $500 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $329.07 – $526.80 | |
| Silver Plus Everyday 750 Hospital | Silver Plus | Hospital | $750 | None | 29 | 1 | Yes | All states | SCSingle, Couple | $142.18 – $366.43 | |
| Silver Plus Everyday 750 Hospital (Dependants under 25) | Silver Plus | Hospital | $750 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $255.93 – $373.75 | |
| Silver Plus Everyday 750 Hospital (Dependants under 31) | Silver Plus | Hospital | $750 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $284.40 – $458.03 | |
| Silver Plus Everyday 750 Hospital (Disability Dependants) | Silver Plus | Hospital | $750 | None | 29 | 1 | Yes | All states | FPFamily, Single parent | $284.40 – $458.03 | |
| Silver Plus Family 500 Hospital | Silver Plus | Combined | $500 | None | 31 | 1 | Yes | All states | SCSingle, Couple | $385.01 – $796.99 | |
| Silver Plus Family 500 Hospital (Dependants under 25) | Silver Plus | Combined | $500 | None | 31 | 1 | Yes | All states | FPFamily, Single parent | $385.01 – $796.99 | |
| Silver Plus Family 750 Hospital | Silver Plus | Combined | $750 | None | 31 | 1 | Yes | All states | SCSingle, Couple | $350.30 – $746.64 | |
| Silver Plus Family 750 Hospital (Dependants under 25) | Silver Plus | Combined | $750 | None | 31 | 1 | Yes | All states | FPFamily, Single parent | $350.30 – $746.64 | |
| Bronze Plus 500 Hospital | Bronze Plus | Hospital | $500 | None | 21 | 3 | Yes | All states | SCSingle, Couple | $134.38 – $331.93 | |
| Bronze Plus 500 Hospital (Dependants under 25) | Bronze Plus | Hospital | $500 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $241.89 – $338.56 | |
| Bronze Plus 500 Hospital (Dependants under 31) | Bronze Plus | Hospital | $500 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $268.75 – $414.92 | |
| Bronze Plus 500 Hospital (Disability Dependants) | Bronze Plus | Hospital | $500 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $268.75 – $414.92 | |
| Bronze Plus 750 Hospital | Bronze Plus | Hospital | $750 | None | 21 | 3 | Yes | All states | SCSingle, Couple | $121.25 – $305.54 | |
| Bronze Plus 750 Hospital (Dependants under 25) | Bronze Plus | Hospital | $750 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $218.27 – $311.65 | |
| Bronze Plus 750 Hospital (Dependants under 31) | Bronze Plus | Hospital | $750 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $242.49 – $381.94 | |
| Bronze Plus 750 Hospital (Disability Dependants) | Bronze Plus | Hospital | $750 | None | 21 | 3 | Yes | All states | FPFamily, Single parent | $242.49 – $381.94 | |
| Bronze 500 Hospital | Bronze | Hospital | $500 | None | 18 | 3 | Yes | All states | SCSingle, Couple | $108.55 – $300.00 | |
| Bronze 500 Hospital (Dependants under 25) | Bronze | Hospital | $500 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $195.43 – $306.02 | |
| Bronze 500 Hospital (Dependants under 31) | Bronze | Hospital | $500 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $217.14 – $375.01 | |
| Bronze 500 Hospital (Disability Dependants) | Bronze | Hospital | $500 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $217.14 – $375.01 | |
| Bronze 750 Hospital | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | SCSingle, Couple | $105.21 – $281.71 | |
| Bronze 750 Hospital (Dependants under 25) | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $189.37 – $287.34 | |
| Bronze 750 Hospital (Dependants under 31) | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $210.38 – $352.13 | |
| Bronze 750 Hospital (Disability Dependants) | Bronze | Hospital | $750 | None | 18 | 3 | Yes | All states | FPFamily, Single parent | $210.38 – $352.13 | |
| Basic Plus 500 Hospital | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | SCSingle, Couple | $69.20 – $253.98 | |
| Basic Plus 500 Hospital (Dependants under 25) | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $124.54 – $259.05 | |
| Basic Plus 500 Hospital (Dependants under 31) | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $138.36 – $317.46 | |
| Basic Plus 500 Hospital (Disability Dependants | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | NSW | FFamily | $304.98 | |
| Basic Plus 500 Hospital (Disability Dependants) | Basic Plus | Hospital | $500 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $138.36 – $317.46 | |
| Basic Plus 750 Hospital | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | SCSingle, Couple | $57.55 – $239.37 | |
| Basic Plus 750 Hospital (Dependants under 25) | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $103.57 – $244.18 | |
| Basic Plus 750 Hospital (Dependants under 31) | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $115.05 – $299.22 | |
| Basic Plus 750 Hospital (Disability Dependants) | Basic Plus | Hospital | $750 | None | 4 | 3 | Yes | All states | FPFamily, Single parent | $115.05 – $299.22 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 31 of 38 categories covered, 1 restricted, 6 not covered
Covered 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 Hospital psychiatric services
Not covered Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Weight loss surgery
Products Silver Plus Family 500 Hospital (Silver Plus, combined); Silver Plus Family 500 Hospital (Dependants under 25) (Silver Plus, combined); Silver Plus Family 750 Hospital (Silver Plus, combined); Silver Plus Family 750 Hospital (Dependants under 25) (Silver Plus, combined)
Cover profile 2 · 4 of 38 categories covered, 3 restricted, 31 not covered
Covered Dental surgery, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Basic Plus 500 Hospital (Basic Plus, hospital); Basic Plus 500 Hospital (Dependants under 25) (Basic Plus, hospital); Basic Plus 500 Hospital (Dependants under 31) (Basic Plus, hospital); Basic Plus 500 Hospital (Disability Dependants (Basic Plus, hospital); Basic Plus 500 Hospital (Disability Dependants) (Basic Plus, hospital); Basic Plus 750 Hospital (Basic Plus, hospital); Basic Plus 750 Hospital (Dependants under 25) (Basic Plus, hospital); Basic Plus 750 Hospital (Dependants under 31) (Basic Plus, hospital); Basic Plus 750 Hospital (Disability Dependants) (Basic Plus, hospital)
Cover profile 3 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze 500 Hospital (Bronze, hospital); Bronze 500 Hospital (Dependants under 25) (Bronze, hospital); Bronze 500 Hospital (Dependants under 31) (Bronze, hospital); Bronze 500 Hospital (Disability Dependants) (Bronze, hospital); Bronze 750 Hospital (Bronze, hospital); Bronze 750 Hospital (Dependants under 25) (Bronze, hospital); Bronze 750 Hospital (Dependants under 31) (Bronze, hospital); Bronze 750 Hospital (Disability Dependants) (Bronze, hospital)
Cover profile 4 · 21 of 38 categories covered, 3 restricted, 14 not covered
Covered 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, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Plus 500 Hospital (Bronze Plus, hospital); Bronze Plus 500 Hospital (Dependants under 25) (Bronze Plus, hospital); Bronze Plus 500 Hospital (Dependants under 31) (Bronze Plus, hospital); Bronze Plus 500 Hospital (Disability Dependants) (Bronze Plus, hospital); Bronze Plus 750 Hospital (Bronze Plus, hospital); Bronze Plus 750 Hospital (Dependants under 25) (Bronze Plus, hospital); Bronze Plus 750 Hospital (Dependants under 31) (Bronze Plus, hospital); Bronze Plus 750 Hospital (Disability Dependants) (Bronze Plus, hospital)
Cover profile 5 · 29 of 38 categories covered, 1 restricted, 8 not covered
Covered 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), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Silver Plus Everyday 250 Hospital (Silver Plus, hospital); Silver Plus Everyday 250 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Everyday 250 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Everyday 250 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Everyday 500 Hospital (Silver Plus, hospital); Silver Plus Everyday 500 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Everyday 500 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Everyday 500 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Everyday 750 Hospital (Silver Plus, hospital); Silver Plus Everyday 750 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Everyday 750 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Everyday 750 Hospital (Disability Dependants) (Silver Plus, hospital)
Cover profile 6 · 30 of 38 categories covered, 2 restricted, 6 not covered
Covered 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, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Athlete Silver Hospital (Silver Plus, hospital)
Cover profile 7 · 32 of 38 categories covered, 1 restricted, 5 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, 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, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Dialysis for chronic kidney failure, Insulin pumps, Pregnancy and birth, Weight loss surgery
Products Silver Plus Advantage 250 Hospital (Silver Plus, hospital); Silver Plus Advantage 250 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Advantage 250 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Advantage 250 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Advantage 500 Hospital (Silver Plus, hospital); Silver Plus Advantage 500 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Advantage 500 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Advantage 500 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Advantage 750 Hospital (Silver Plus, hospital); Silver Plus Advantage 750 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Advantage 750 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Advantage 750 Hospital (Disability Dependants) (Silver Plus, hospital) and 4 more
Cover profile 8 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Silver Plus Assure 250 Hospital (Silver Plus, hospital); Silver Plus Assure 250 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Assure 250 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Assure 250 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Assure 500 Hospital (Silver Plus, hospital); Silver Plus Assure 500 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Assure 500 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Assure 500 Hospital (Disability Dependants) (Silver Plus, hospital); Silver Plus Assure 750 Hospital (Silver Plus, hospital); Silver Plus Assure 750 Hospital (Dependants under 25) (Silver Plus, hospital); Silver Plus Assure 750 Hospital (Dependants under 31) (Silver Plus, hospital); Silver Plus Assure 750 Hospital (Disability Dependants) (Silver Plus, hospital) and 4 more
Cover profile 9 · 32 of 38 categories covered, 2 restricted, 4 not covered
Covered 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, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Cataracts, Dialysis for chronic kidney failure, Joint replacements, Weight loss surgery
Products Athlete Silver Plus Hospital (Silver Plus, hospital)
Cover profile 10 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, 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, Weight loss surgery
Products Athlete Gold Hospital (Gold, hospital); Gold Ultimate 500 Hospital (Gold, hospital); Gold Ultimate 500 Hospital (Dependants under 25) (Gold, hospital); Gold Ultimate 500 Hospital (Dependants under 31) (Gold, hospital); Gold Ultimate 500 Hospital (Disability Dependants) (Gold, hospital); Gold Ultimate 750 Hospital (Gold, hospital); Gold Ultimate 750 Hospital (Dependants under 25) (Gold, hospital); Gold Ultimate 750 Hospital (Dependants under 31) (Gold, hospital); Gold Ultimate 750 Hospital (Disability Dependants) (Gold, hospital)
Extras profiles
Extras profile 1 · 23 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Health management programs, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthoptics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Silver Plus Family 500 Hospital (Silver Plus, combined); Silver Plus Family 500 Hospital (Dependants under 25) (Silver Plus, combined); Silver Plus Family 750 Hospital (Silver Plus, combined); Silver Plus Family 750 Hospital (Dependants under 25) (Silver Plus, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (23 products)
- Waiting profile 2: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (61 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/westfund.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.