The Finance Algorithm

Westfund

68 open policies in the October 2026 data. Anyone can join.

Registered as Westfund Limited.

This insurer is a mutual organisation that operates on a not-for-profit basis.

westfund.com.au, phone 1300 937 838

Hospital
31
Hospital and extras
2
Extras
35
Closed to new members
10

How its premiums compare in NSW & ACT

Westfund's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.

  1. BasicHospital only$114.0511th cheapest of 20
    $102.60$158.45
  2. BronzeHospital only$131.869th cheapest of 21
    $121.79$163.20
  3. SilverHospital only$166.147th cheapest of 21
    $157.30$257.13
WestfundEvery other insurer's cheapest
  • Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Plus Hospital, at $114.05 a month before the rebate with a $750 excess: 11th cheapest of 20 insurers. See every insurer
  • Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital, at $131.86 a month before the rebate with a $750 excess: 9th cheapest of 21 insurers. See every insurer
  • Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Everyday Hospital, at $166.14 a month before the rebate with a $750 excess: 7th cheapest of 21 insurers. See every insurer

What a single pays each month, cheapest to dearest policy

Monthly, before the rebate, across every excess option. 9 corporate policies are included; they are sold through employers and associations.

  1. NSW & ACT
    $114.05 to $425.49
  2. VIC
    $115.83 to $459.94
  3. QLD
    $119.69 to $452.53
  4. SA
    $112.84 to $383.67
  5. WA
    $89.44 to $355.03
  6. TAS
    $116.48 to $404.13
  7. NT
    $57.55 to $358.37
Cheapest to dearest policy
Show the figures
Westfund's single premiums by state and policy type
StateHospitalHospital and extrasExtras
NSW & ACT$114.05 to $425.49$440.52 to $475.23$5.55 to $175.85
VIC$115.83 to $459.94$514.88 to $549.64$5.81 to $174.07
QLD$119.69 to $452.53$464.10 to $498.03$5.81 to $174.07
SA$112.84 to $383.67$403.99 to $438.70$5.85 to $174.07
WA$89.44 to $355.03$409.15 to $443.86$5.89 to $174.07
TAS$116.48 to $404.13$427.44 to $463.01$5.55 to $174.07
NT$57.55 to $358.37$350.30 to $385.01$5.89 to $172.12

What Westfund covers, and what it pays back

Hospital

Leaving out the three it sells through employers, Westfund has 30 policies with hospital cover. They come with no excess or one of $250, $500 or $750. 13 of the 30 drop the excess for children on the policy, and two of the 30 if you're admitted after an accident. All 30 offer the youth discount: up to 10% off for people who join between 18 and 29.

Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 30 cover emergency and non-emergency ambulance trips.

Extras

Not counting the six it sells through employers, Westfund has 27 policies with extras, covering anywhere from 1 to 27 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.

The most it pays back on common claims

  1. Periodic oral exam (item 012)on High Extras
    $40.00typical policy $35.20
  2. Scale and clean (item 114)on High Extras
    $85.00typical policy $66.85
  3. Full crown, veneered (item 615)on High Extras
    $1,000.00typical policy $773.80
  4. Single vision lenses and frameson Ultimate Extras
    $350.00typical policy $220.00
  5. Physiotherapy, first visiton Ultimate Extras
    $52.00typical policy $42.00
  6. Psychology, first visiton Ultimate Extras
    $100.00typical policy $75.00
Pays up toTypical policy

Its highest yearly limits for a single

  1. General dental
    No yearly limittypical policy $800
  2. Major dental
    $1,600typical policy $1,000
  3. Optical
    $400typical policy $220
  4. Physiotherapy
    $1,040typical policy $450
  5. Chiropractic
    $800typical policy $400
  6. Psychology
    $840typical policy $400
Highest limitTypical policy

Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.

Hospital policies 31

PolicyTierFromSold inExcess options
Basic Plus HospitalBasic Plus$57.55NTAll$500, $750
Basic Plus Hospital (Dependants under 25)Basic Plus$103.57Single parent, NTAll$500, $750
Basic Plus Hospital (Dependants under 31)Basic Plus$115.05Extended single parent, NTAll$500, $750
Basic Plus Hospital (Disability Dependants)Basic Plus$115.05Extended single parent, NTAll$500, $750
Bronze HospitalBronze$105.21WAAll$500, $750
Bronze Hospital (Dependants under 25)Bronze$189.37Single parent, WAAll$500, $750
Bronze Hospital (Dependants under 31)Bronze$210.38Extended single parent, WAAll$500, $750
Bronze Hospital (Disability Dependants)Bronze$210.38Extended single parent, WAAll$500, $750
Bronze Plus HospitalBronze Plus$121.25NTAll$500, $750
Bronze Plus Hospital (Dependants under 25)Bronze Plus$218.27Single parent, NTAll$500, $750
Bronze Plus Hospital (Dependants under 31)Bronze Plus$242.49Extended single parent, NTAll$500, $750
Bronze Plus Hospital (Disability Dependants)Bronze Plus$242.49Extended single parent, NTAll$500, $750
Silver Plus Everyday HospitalSilver Plus$142.18NTAll$250, $500, $750
Silver Plus Advantage HospitalSilver Plus$170.43NTAll$0, $250, $500, $750
Athlete Silver HospitalCorporateSilver Plus$187.81NTAll$250
Silver Plus Assure HospitalSilver Plus$219.35WAAll$0, $250, $500, $750
Silver Plus Everyday Hospital (Dependants under 25)Silver Plus$255.93Single parent, NTAll$250, $500, $750
Silver Plus Everyday Hospital (Dependants under 31)Silver Plus$284.40Extended single parent, NTAll$250, $500, $750
Silver Plus Everyday Hospital (Disability Dependants)Silver Plus$284.40Extended single parent, NTAll$250, $500, $750
Athlete Silver Plus HospitalCorporateSilver Plus$289.47NTAll$500
Silver Plus Advantage Hospital (Dependants under 25)Silver Plus$306.76Single parent, NTAll$0, $250, $500, $750
Silver Plus Advantage Hospital (Dependants under 31)Silver Plus$340.86Extended single parent, NTAll$0, $250, $500, $750
Silver Plus Advantage Hospital (Disability Dependants)Silver Plus$340.86Extended single parent, NTAll$0, $250, $500, $750
Silver Plus Assure Hospital (Dependants under 25)Silver Plus$394.85Single parent, WAAll$0, $250, $500, $750
Silver Plus Assure Hospital (Dependants under 31)Silver Plus$438.75Extended single parent, WAAll$0, $250, $500, $750
Silver Plus Assure Hospital (Disability Dependants)Silver Plus$438.75Extended single parent, WAAll$0, $250, $500, $750
Athlete Gold HospitalCorporateGold$300.69WAAll$250
Gold Ultimate HospitalOnly sold with extras coverGold$335.57WAAll$500, $750
Gold Ultimate Hospital (Dependants under 25)Only sold with extras coverGold$604.02Single parent, WAAll$500, $750
Gold Ultimate Hospital (Dependants under 31)Only sold with extras coverGold$671.15Extended single parent, WAAll$500, $750
Gold Ultimate Hospital (Disability Dependants)Only sold with extras coverGold$671.15Extended single parent, WAAll$500, $750

Hospital and extras policies 2

PolicyTierFromSold inExcess options
Silver Plus Family HospitalSilver Plus$350.30NTAll$500, $750
Silver Plus Family Hospital (Dependants under 25)Silver Plus$350.30Single parent, NTAll$500, $750

Extras policies 35

PolicyFromSold inServices
Ambulance$5.55NSW & ACTAllAmbulance only
Ambulance (Dependants under 25)$11.05Single parent, TASAllAmbulance only
Ambulance (Dependants under 31)$11.61Extended single parent, NSW & ACTAllAmbulance only
Ambulance (Disability Dependants)$11.61Extended single parent, NSW & ACTAllAmbulance only
Dental Saver Extras$21.58NSW & ACTAll1
Starter Extras$29.51NTAll15
Choice Extras$53.65NTAll21
Mid ExtrasOnly sold with hospital cover$55.12NTAll26
Starter Extras (Dependants under 25)$58.98Single parent, NTAll15
Starter Extras (Dependants under 31)$61.92Extended single parent, NTAll15
Starter Extras (Disability Dependants)$61.92Extended single parent, NTAll15
Freedom Extras$66.91NTAll25
Athlete Core ExtrasCorporate$74.01NTAll25
High Extras$76.83NTAll27
Athlete Vital ExtrasCorporate$101.14NTAll25
Choice Extras (Dependants under 25)$107.34Single parent, NTAll21
Mid Extras (Dependants under 25)Only sold with hospital cover$110.24Single parent, NTAll26
Choice Extras (Dependants under 31)$112.71Extended single parent, NTAll21
Choice Extras (Disability Dependants)$112.71Extended single parent, NTAll21
Mid Extras (Dependants under 31)Only sold with hospital cover$115.74Extended single parent, NTAll26
Mid Extras (Disability Dependants)Only sold with hospital cover$115.74Extended single parent, NTAll26
Ultimate Extras$117.87NTAll27
Athlete Guard ExtrasCorporate$126.10NTAll20
Athlete Shield ExtrasCorporate$130.26NTAll27
Freedom Extras (Dependants under 25)$133.86Single parent, NTAll25
Freedom Extras (Dependants under 31)$140.53Extended single parent, NTAll25
Freedom Extras (Disability Dependants)$140.53Extended single parent, NTAll25
Athlete Defend ExtrasCorporate$143.52NTAll27
High Extras (Dependants under 25)$153.66Single parent, NTAll27
High Extras (Dependants under 31)$161.33Extended single parent, NTAll27
High Extras (Disability Dependants)$161.33Extended single parent, NTAll27
Athlete Protect ExtrasCorporate$172.12NTAll27
Ultimate Extras (Dependants under 25)$235.78Single parent, NTAll27
Ultimate Extras (Dependants under 31)$247.56Extended single parent, NTAll27
Ultimate Extras (Disability Dependants)$247.56Extended single parent, NTAll27

Westfund also has 10 older policies (560 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.

Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.

Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.

Questions about Westfund

Who can join Westfund?
Anyone can join. Westfund sells 68 policies to new members (31 hospital-only, 2 combined and 35 extras-only), going by the October 2026 data.
How much is Westfund hospital cover?
Its cheapest hospital policy for a single is $57.55 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
How much does Westfund pay for a dental check-up?
Up to $40.00 for a check-up (dental item 012) on its High Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.