Skip to content
Healthslips logo
Greenslips logo
Healthslips logo
Explore Overview
Cover Overview
Hospital Cover (9 articles) Extras Cover (6 articles) Ambulance Cover (5 articles) Excluded Treatments
Insurers Overview
AAMI Health Insurance ACA Health ahm AIA Health Insurance Allianz Care Australia APIA Health Insurance Astute Simplicity Health Australian Unity Bupa Health Insurance CBHS Corporate CBHS Health CBHS Int Logo CBHS International Health  Defence Health Doctors’ Health Emergency Services Health Frank GMHBA GU Health HBF HCF HCi Health Partners HIF Hunter Health Insurance ING Health Insurance Latrobe Health Services Medibank Mildura Health Fund Navy Health nib Nurses & Midwives Health onemedifund Peoplecare Phoenix Health Fund Police Health Priceline Health Insurance Qantas Insurance  Queensland Country Health Fund Real Health Insurance Reserve Bank Health Society (RBHS) RT Health see-u by HBF Seniors Health Insurance  St Lukes Health Suncorp Health Insurance  Teachers Health Territory Health Fund  Transport Health TUH UniHealth Union Health  Westfund
Do you have a reference number?
Resume your calculation.
Healthslips logo Greenslips logo
Compare Every Insurer
No Commercial Bias
Cheapest Policy Guaranteed
Free Open Access
Compare Every Insurer
No Commercial Bias
Westfund Limited

Freedom Extras (Dependants under 25)

$148.98 / month

(Before Rebate, Discount & Loading)

Available in VIC

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: One adult & dependants (2 or more people, only one of whom is an adult).

Children (0 - 17) and non-classified* dependant (18 - 24), as well as persons with a disability who qualify as a child and non-classified* dependant 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/VCTQ1D

Source: Private Health Information Statement (PHIS)

Extras Cover

By using this health insurer's "preferred providers" you will have lower out-of-pocket costs on Dental 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/.

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

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Non-emergency: Transport with a waiting period of 2 months, limited to $5,000 per person per year.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Cover for the unexpected. Feel assured with Australia-wide ambulance cover for emergency and non-emergency transportation (up to available limits). This product provides coverage for 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 25)

$148.98 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/VCTQ1D

advertisement
calculate your health insurance

Policies change monthly, stay informed

Subscribe to stay informed. Insurers regularly update policies, introduce new policies and close policies. Our data is updated monthly.
See our Privacy Policy for information on how we protect your personal information.
Thank you for subscribing!