Health insurance for families
We know that no two families are the same. That's why we offer a range of health insurance options designed for established families of all shapes and sizes.
Get 6 Weeks Free Cover!*
Thrive in 2025 with 6 Weeks Free cover!* Join on combined Hospital and Extras cover or Hospital only cover before 31 January 2025 and use the promo code THRIVE25.
*T&Cs apply
Feel good knowing your family is covered
One family, one price for dependants up to 25
It doesn't matter if you have 1, 2 or 9 dependants —if they are under 25 on a Westfund family cover, one price covers everyone.
Older kids? No problems
For any kids you have between 25 and 31, as long as they don't have a partner, they can stay on your extended family cover.
Pay no excess for dependants
Pay no excess for dependants on Gold or Silver tier hospital cover.
Cover for the unexpected
All Westfund Hospital and Extras policies include Ambulance cover.
Ready to join Westfund?
Find your cover or read more about our popular family private health insurance options below.
Cover for what you need.
Silver Hospital
Families from $53.94 per week*
Mid-level Hospital cover that covers a broad range of treatments, including heart and vascular system as well as back, neck & spine. Health insurance suited to people who want a good level of cover without the added cost of pregnancy and birth or joint replacements.
- Extended (Dependants up to 31) and Disability Dependant cover options available on eligible policies.
- Pay no excess for kids. Pay no excess for accidents when admitted to a private hospital.
- Travel & Accommodation benefits to support members needing to travel for care.
High Extras
Families from $30.05 per week^
High-level Extras health insurance best suited to health-loving families. Provides a higher level of benefits on the most popular services such as optical, dental, physio and chiro. Includes no annual limit for general dental, a generous lifetime limit for orthodontics and great benefits for all the kinds of support families need including mental health support, speech pathology, vitamins, nutrition and a broad range of health aids.
- No annual limit for general dental and $2,500 lifetime limit on orthodontic.
- General optical benefit of $250 per person, per calendar year.
- Up to $600 to put towards supporting your family's mental health.
- Plus, $150 family benefit to put towards things like hydrotherapy, kids swimming classes or gym memberships for the treatment of a health condition.
Footnotes
*Based on NSW prices, including $750 excess and Base Tier Australian Government Rebate for under 65. Does not include Lifetime Health Cover loading or Age-Based Discount. Family price covering dependants under 25. Prices effective 1 April 2024.
^Based on NSW prices, including Base Tier Australian Government Rebate for under 65. Family price covering dependants under 25. Prices effective 1 April 2024.
Switching to Westfund is easy
30-day guarantee.
You can try us for 30 days, if you decide to cancel we’ll refund any premiums paid — as long as no claims are made.
You won’t re-serve waiting periods.
When you transfer to an equivalent or lower level of cover.
We’ll take care of the hard stuff.
We can cancel your old policy for you and handle all the paperwork; all you'll need to do is cancel your direct debit with your previous fund.
And we're easy to use
Easy claiming for the day-to-day.
For extras, easy on-the-spot electronic claiming, or though the Westfund App.
Expert help when you need it.
With call centres across NSW and Queensland, we have local teams ready to answer your questions.