(before any rebate or insurer discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Queensland
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
This policy must be purchased with a hospital policy.
By using this health insurer's "preferred providers" you will have lower out-of-pocket costs on Dental and Optical and have access to more "no gap" services. A list of "preferred providers" is available from the health insurer. See https://www.westfund.com.au/find-a-provider/.
| Note, for items marked with an asterisk *: 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. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $1,125 per person (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $30.00 Scale & clean - $60.00 Fluoride treatment - $22.00 Surgical tooth extraction - $135.00 |
| Major dental | 12 | Full crown veneered - $750.00 | |
| Endodontic | 12 | Filling of one root canal - $135.00 | |
| Orthodontic* | 12 | $500 per person $2,500 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - $2,500.00 |
| Optical | 2 | $250 per person | Single vision lenses & frames - $250.00 Multi-focal lenses & frames - $250.00 |
| Non PBS pharmaceuticals | 2 | $400 per person (combined limit for non pbs pharmaceuticals, vaccinations & other services) | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $600 per policy (combined limit for physiotherapy & exercise physiology) | Initial visit - $30.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | $600 per policy (combined limit for chiropractic & osteopathy) | Initial visit - $30.00 Subsequent visit - $30.00 |
| Podiatry | 2 | $300 per policy | Initial visit - $35.00 Subsequent visit - $35.00 |
| Psychology | 2 | $600 per policy | Initial visit - $50.00 Subsequent visit - $50.00 |
| Acupuncture | 2 | $300 per policy (combined limit for acupuncture & chinese medicine) | Initial visit - $25.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | $300 per policy (combined limit for remedial massage & other services) | Initial visit - $25.00 Subsequent visit - $25.00 |
| Blood glucose monitors | 12 | $100 per person | Per monitor - $100.00 |
| Audiology | 2 | $120 per person (combined limit for audiology & other services) | Initial visit - $80.00 Subsequent visit - $80.00 |
| Ante-natal/Post-natal classes | 12 | $120 per policy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $25.00 Subsequent visit - $25.00 |
| Dietetics/dietary advice | 2 | $300 per policy (combined limit for dietetics/dietary advice & other services) | Initial visit - $30.00 Subsequent visit - $30.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $30.00 Subsequent visit - $30.00 |
| Eye therapy (orthoptics) | 2 | $300 per policy | Initial visit - $25.00 Subsequent visit - $25.00 |
| Health management / Healthy lifestyle | 2 | $150 per policy | Health management - 100% of charge |
| Home nursing | 2 | $300 per policy | Initial visit - $48.00 Subsequent visit - $48.00 |
| Occupational therapy | 2 | $300 per policy | Initial visit - $40.00 Subsequent visit - $40.00 |
| Orthotics (podiatric orthoses) | 12 | $200 per person (combined limit for orthotics (podiatric orthoses) & other services) | Orthotics supply & fit - $200.00 |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $30.00 Subsequent visit - $30.00 |
| Speech therapy | 2 | $588 per policy | Initial visit - $48.00 Subsequent visit - $36.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $50.00 |
| Hearing aids | Other treatments - check with your insurer |
Additional benefits included in this policy are Counselling, Health Aids & Appliances (e.g. Respiratory Aids & Blood Pressure Monitors) 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.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
Permanent Queensland residents are covered for emergency pre-hospital ambulance treatment and transport Australia-wide, residents must purchase cover for non-emergency ambulance transport. This product provides coverage for emergency and non-emergency transport by a Westfund recognised Ambulance service provider in Australia either by covering the cost of state government levies or by covering the ambulance account. Recognised Ambulance service providers include: NSW Ambulance, Ambulance Victoria, Queensland Ambulance Service, ACT Ambulance Service, SA Ambulance Service, Ambulance Tasmania, St John Ambulance NT, St John Ambulance WA, St John Ambulance Norfolk Island and NSW Government local service providers.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.