Westfund health insurance

Yes, ambulance cover is offered on all Westfund policies. This includes unlimited emergency ambulance services and up to $5000 per member for non-emergency ambulance trips. Alternatively, you can take out an ambulance-only policy.

Depending on your state of residence, you may already be covered by your state government or be able to purchase an ambulance subscription through your state ambulance service. For the full details of how ambulance services are covered state by state, see our guide to ambulance cover.

Yes, Westfund will cover you for deemed pre-existing conditions, although you may need to serve a waiting period before you can receive hospital treatment for services relating to your condition. Waiting periods for pre-existing conditions are typically 12 months.

If you’ve already served a waiting period with a previous health fund, you won’t have to re-serve your waiting period when you switch to the same or lower level of cover with Westfund health insurance. Your pre-existing condition also won’t affect your waiting period for extras services.

For hospital cover, waiting periods are standard across all health funds. That’s 12 months for pre-existing conditions (excluding rehabilitation, palliative care and psychiatric services), pregnancy, and two months for everything else.

For extras cover services, waiting periods typically range from 2-12 months, depending on the service covered, with some select services having a 36-month wait. Longer waiting periods usually apply to more expensive services that are claimed less often. This is to prevent people from signing up, taking advantage of high-value items, and cancelling their cover, which would raise premiums for other members.

To make an extras claim with Westfund health insurance, you can scan your membership card at your healthcare provider’s HICAPS machine. Alternatively, you can make a claim through their online service or mobile app.

If neither option is applicable, you can fill out a claim form and email it to Westfund at [email protected].

When you receive treatment as a private patient for a service covered on your policy, the hospital will send the bill to Westfund, who will then reach out to you to pay any out-of-pocket expenses or excess.

You can pay your Westfund health insurance premiums by direct debit, online or over the phone using the automated phone system. While you won’t receive a discount for paying annually, you may still save by locking in a lower rate before the annual premium increase.

Yes, when you claim on your Westfund hospital insurance, you will likely have to pay an excess, although you can elect to pay no excess on select policies. You will only need to pay your excess once per person per calendar year.

Most Westfund policies let you choose your excess from a range of options. When you elect to pay a lower excess, you will have to pay a higher premium. Some policies offer a zero-excess option, although this isn’t always available to new members.

To cancel your Westfund health insurance, give them a call, and they will walk you through the cancellation process. Depending on your reason for cancelling, you may be able to temporarily suspend your cover instead. This means you won’t be covered and, therefore won’t have to pay your premiums. You won’t accrue days without cover towards the Lifetime Health Cover Loading.