Silver Plus Family Hospital (Dependants under 25)
A Silver Plus hospital and extras policy from Westfund.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Westfund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single parent, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $500, $750
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Silver hospital and extras policy in NSW & ACT
Single parent cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver139 policies$440.5247th cheapest of 139
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single parent premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single parent cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $500 excess$475.23
- $750 excess$34.71 less than $500 excess$440.52
$500 excessat most $1,000 a year for couples and families
31 of 38 clinical categories covered in full, 1 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full31
- Restricted1
- Not covered6
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
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $500, $750, paid when you are admitted. No excess for accidents or dependants.
Offers the age-based discount for people who join between 18 and 29.
From 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).
Pays towards 23 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$800typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 18 other services$500typical policy $450
- Chiropracticshared with 18 other services$500typical policy $400
- Psychologyshared with 18 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Full crown, veneered (item 615)60% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $800shared with major dental, endodontic (root canals) | $1,600 | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60% |
| Major dental | 12 months | $800shared with general dental, endodontic (root canals) | $1,600 | Full crown, veneered (item 615): 60% |
| Endodontic (root canals) | 12 months | $800shared with general dental, major dental | $1,600 | Root canal filling (item 417): 60% |
| Optical | 2 months | $200 | - | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $500shared with 18 other services | $1,000 | Non-PBS prescription: $50.00 |
| Physiotherapy | 2 months | $500shared with 18 other services | $1,000 | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $500shared with 18 other services | $1,000 | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Podiatry | 2 months | $500shared with 18 other services | $1,000 | Podiatry, first visit: 60%Podiatry, later visit: 60% |
| Psychology | 2 months | $500shared with 18 other services | $1,000 | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $500shared with 18 other services | $1,000 | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $500shared with 18 other services | $1,000 | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Audiology | 2 months | $500shared with 18 other services | $1,000 | Audiology, first visit: 60%Audiology, later visit: 60% |
| Antenatal and postnatal | 12 months | $500shared with 18 other services | $1,000 | Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60% |
| Chinese herbal medicine | 2 months | $500shared with 18 other services | $1,000 | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dietetics | 2 months | $500shared with 18 other services | $1,000 | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $500shared with 18 other services | $1,000 | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Orthoptics | 2 months | $500shared with 18 other services | $1,000 | Orthoptics, first visit: 60%Orthoptics, later visit: 60% |
| Health management programs | 2 months | $500shared with 18 other services | $1,000 | Health management program: 60% |
| Home nursing | 2 months | $500shared with 18 other services | $1,000 | Home nursing, first visit: 60%Home nursing, later visit: 60% |
| Occupational therapy | 2 months | $500shared with 18 other services | $1,000 | Occupational therapy, first visit: 60%Occupational therapy, later visit: 60% |
| Osteopathy | 2 months | $500shared with 18 other services | $1,000 | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
| Speech therapy | 2 months | $500shared with 18 other services | $1,000 | Speech therapy, first visit: 60%Speech therapy, later visit: 60% |
| Vaccinations | 2 months | $500shared with 18 other services | $1,000 | Vaccination: 60% |
Not covered: orthodontics, hearing aids, blood glucose monitors, orthotics.
From the insurer: 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.
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
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.