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Westfund Limited

Freedom Extras (Dependants under 31)

$224.38 / month

(Before Rebate, Discount & Loading)

Available in TAS

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: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 24), students (25 - 30) and non-students (25 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Non-Classified Dependant means a person who is between the age of 18 and 24 (inclusive), is not in a relationship on a bona fide domestic basis or dependant student as outlined in the PHI Act

Policy ID: WFD/I16/TEQG2Y

Source: Private Health Information Statement (PHIS)

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $25
  • Subsequent visit: $25
Audiology 2

$500 per person

combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services

  • Initial visit: $80
  • Subsequent visit: $80
Blood glucose monitors 12

$100 per person

  • Per monitor: $100
Chinese medicine 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $25
  • Subsequent visit: $25
Chiropractic 2

$600 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $30
  • Subsequent visit: $30
Dietetics/dietary advice 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $30
  • Subsequent visit: $30
Endodontic 12

$1,600 per person

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: $140
Exercise physiology 2

$600 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $30
  • Subsequent visit: $30
Eye therapy (orthoptics) 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $25
  • Subsequent visit: $25
General dental* 2

$1,600 per person

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: $22
  • Scale & clean: $75
  • Surgical tooth extraction: $145
  • Periodic oral examination: $35
Health management / Healthy lifestyle 2

$500 per person

combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services

  • Health management: $100
Hearing aids 36

$1,400 per person

  • Hearing aid: $1400
Home nursing 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $48
  • Subsequent visit: $48
Major dental 12

$1,600 per person

combined limit for endodontic, general dental & major dental

  • Full crown veneered: $850
Non PBS pharmaceuticals 2

$500 per person

combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services

sub-limits apply

  • Per eligible prescription: $50
Occupational therapy 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $40
  • Subsequent visit: $40
Optical 2

$250 per person

  • Multi-focal lenses & frames: $250
  • Single vision lenses & frames: $250
Orthotics (podiatric orthoses) 12

$200 per person

  • Orthotics supply & fit: $200
Osteopathy 2

$600 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $30
  • Subsequent visit: $30
Physiotherapy 2

$600 per person

combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy

  • Initial visit: $42
  • Subsequent visit: $42
Podiatry 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $45
  • Subsequent visit: $45
Psychology 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $50
  • Subsequent visit: $50
Remedial massage 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $25
  • Subsequent visit: $25
Speech therapy 2

$400 per person

combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: $48
  • Subsequent visit: $36
Vaccinations 2

$500 per person

combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services

  • Per service: $50
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $80}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Per monitor: $100}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,600 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: $140}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,600 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: $22}

{Scale & clean: $75}

{Surgical tooth extraction: $145}

{Periodic oral examination: $35}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services}

Examples of maximum benefits

{Health management: $100}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$1,400 per person}

Examples of maximum benefits

{Hearing aid: $1400}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $48}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,600 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Full crown veneered: $850}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $250}

{Single vision lenses & frames: $250}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Orthotics supply & fit: $200}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{combined limit for chiropractic, exercise physiology, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $42}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $48}

{Subsequent visit: $36}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for audiology, health management / healthy lifestyle, non pbs pharmaceuticals, vaccinations & other services}

Examples of maximum benefits

{Per service: $50}

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Orthodontic

Other features of this general treatment cover: Additional benefits included in this policy are Health Aids & Appliances (e.g. Devices for Sleep Apnoea and Diagnosed Snoring, Respiratory Aids, Blood Pressure Monitors), Outpatient Travel, 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.

For further information about this policy see: https://www.westfund.com.au/dl/summaries/high-extras-over-50s.pdf

Ambulance cover

Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.

Other features of this ambulance cover: Permanent Tasmania residents are covered for emergency pre-hospital ambulance treatment and transport in Tasmania, residents must purchase cover for non-emergency ambulance transport or emergency transport in another state. 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.

For further information about this policy see: https://www.westfund.com.au/dl/summaries/high-extras-over-50s.pdf

Insurer Details

Westfund Limited

Freedom Extras (Dependants under 31)

$224.38 / month

(Before Rebate, Discount & Loading)

Available in TAS

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/WFD/I16/TEQG2Y

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