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Westfund Limited

Choice Extras (Disability Dependants)

$112.71 / month

(Before Rebate, Discount & Loading)

Available in NT

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, including non-student dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 24), students (25 - 30) and non-students (25 to 30). Disabled dependant person: Participants in the National Disability Insurance Scheme(NDIS) are considered persons with a disability. Insurers may have a broader definition of persons with a disability. Check with the insurer for details. *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/I26/DFWH1P

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, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Ante-natal/Post-natal classes 12

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Audiology 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Chinese medicine 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Chiropractic 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Dietetics/dietary advice 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Endodontic 12

$800 per person

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: 50% of charge
Exercise physiology 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Eye therapy (orthoptics) 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
General dental* 2

$800 per person

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: 50% of charge
  • Scale & clean: 50% of charge
  • Surgical tooth extraction: 50% of charge
  • Periodic oral examination: 50% of charge
Health management / Healthy lifestyle 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Health management: 50% of charge
Home nursing 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Major dental 12

$800 per person

combined limit for endodontic, general dental & major dental

  • Full crown veneered: 50% of charge
Occupational therapy 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Optical 2

$200 per person

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Osteopathy 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Physiotherapy 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Podiatry 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Psychology 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Remedial massage 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Speech therapy 2

$400 per person

combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services

  • Initial visit: 50% of charge
  • Subsequent visit: 50% of charge
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Ante-natal/Post-natal classes

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Filling of one root canal: 50% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Fluoride treatment: 50% of charge}

{Scale & clean: 50% of charge}

{Surgical tooth extraction: 50% of charge}

{Periodic oral examination: 50% of charge}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Health management: 50% of charge}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

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

Examples of maximum benefits

{Full crown veneered: 50% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, ante-natal/post-natal classes, audiology, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), health management / healthy lifestyle, home nursing, occupational therapy, osteopathy, physiotherapy, podiatry, psychology, remedial massage, speech therapy & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

This policy does not include General treatment (Extras) cover for
Blood glucose monitors
Hearing aids
Non PBS pharmaceuticals
Orthodontic
Orthotics (podiatric orthoses)
Vaccinations

Other features of this general treatment cover: 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.

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

Ambulance cover

In NT 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/choice-extras.pdf

Insurer Details

Westfund Limited

Choice Extras (Disability Dependants)

$112.71 / month

(Before Rebate, Discount & Loading)

Available in NT

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/I26/DFWH1P

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