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2026 premium increase
+3.26%
Industry average: +4.41%(-1.15 pts vs avg)
Effective 1 April 2026.
About Westfund
Westfund is a not-for-profit insurer with roots in the mining communities of regional NSW. Owns and operates dental and optical centres in member regions.
Typical strengths
- Owns dental and eyecare clinics — capped costs
- Strong regional NSW presence
Things to weigh up
- Smaller national branch footprint
Premium increases — last 5 years
How Westfund's gazetted average increase has tracked against the industry each April.
Westfund has come in under the industry average in every one of the last 5 rounds.
Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.
How Westfund performs for members
Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.
Complaints share
0.3%
Fewer complaints than Westfund's size would suggest.
Market share
0.9%
Share of all Australians with private health cover.
Member retention
86.7%
Members who stayed with the fund across the year.
Charges with no/known gap
90.1%
Hospital-related charges covered with no gap or a gap agreed up front.
Extras charges covered
44.5%
Average share of extras bills the fund's benefits pay.
Premiums returned as benefits
82.4%
Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.
Agreement private hospitals
500
Private hospitals with agreements, where members are covered with no or known gaps.
Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.
Open policies right now
Every Westfund policy currently open to new members, straight from the Government's PHIO dataset.
- Basic1
- Bronze2
- Silver4
- Gold2
14
Extras-only policies
From $6/mo
1
Combined policies
Full hospital and extras coverage bundled together
Cheapest hospital premium
Per month, before rebate
How Westfund's hospital cover prices compare
Each row shows the whole market's monthly premiums for that tier, with Westfund's own open policies marked in purple.
VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.
How Westfund's extras cover prices compare
Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.
- Everyday extras
- General dental and everyday services — no major dental
- Mid extras
- Major dental covered, orthodontics not covered
- Top extras
- Major dental and orthodontics both covered
Compare Westfund against the market — with an advisor
Same price as joining Westfund direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.
Westfund questions, answered honestly
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See all explainersOther funds we compare
Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026). Comparify compares a subset of these funds through its advisors.