Westfund Health Insurance

The payment was deposited into the incorrect bank account, being my mother’s account rather than my own. This indicates that proper company procedures and verification processes were not followed. This situation has caused me significant stress and financial hardship. I am currently facing substantial medical expenses, including upcoming eye… Read more

surgery, and in the current cost-of-living climate every dollar matters. Due to personal circumstances, I do not feel comfortable asking my mother to return the funds as it was her birthday this weekend and I was unable to fly out due to being sick. I’m not going to now ask her for money?

I was also disappointed with the response I received from your representative, who appeared to take little accountability for the error and offered no meaningful assistance or resolution.

My family has been with Westfund for approximately 15 years, however this experience has seriously impacted our confidence in the company and has led us to discuss cancelling our policy.

Log In Problem – Experience trouble logging in. Contacted Westfund - all fixed. It wasn't their website it was my browser causing the problem. Show details ·  1

Service is good and always helpful in every way all the time! Agents are always friendly, helpful n professional, making Claims quick n easy! Been with westfund for MANY yrs, over at least 30+ yrs! Wouldn’t trust anyone else!! Such A great health fund giving value for money, easy claim service & easy to talk to an agent in shop n operators on the phone! Show details ·  2

A couple of years ago I looked into finding cheaper health insurance. After much research I chose Westfund. The service has been brilliant and I'm happy with my cover. The app is easy to use and claims are attended in a timely fashion. I recommend them to anyone who is looking for cover. Show details ·  1

Why would you sign up for health insurance with any other company? Westfund are not for profit, so they are not there to make money like some of the other big funds. This means that if they have a surplus of funds, due to more members staying healthy, they actually give back to their members. This year it was to waive excess fees on day surgery. Their employees are very helpful and friendly too. Show details ·  1

Like all insurances you need to investigate the specifics of how you are likely going to use the fund. A 4.6 star review here is great, but let's be honest, this is about money in your pocket, and talking to lovely people of the phone is meaningless if it's costing you a small fortune and returns next to nothing (as they do for me). I pay over… Read more

$5000 per year in premiums, then had to cover over $3000 in out of pockets for a pretty routine surgery and am now only getting a measly $30 back on my physio. I have since contact other insurers with the exact item codes and could have saved myself over $2000 in out of pockets and been getting $60 back on my physio whilst paying about the same premium. That's kind of what you expect from your health insurer right!!!

Health insurance is a scam and Westfund is no better than any other provider. They call themselves not for profit but I guess that just means their executive take bigger pay cheques or they are so badly run their operating expenses are higher. Profit obviously doesn't go back to the members because premiums are much the same as the rest of the market and benefits paid (at least to me) is below comparable providers.

Atrocious onboarding – We arrived from overseas, where we already had a private insurance. We decided to go with Westfund. The onboarding process was atrocious: It took two months and was overly complicated, with support staff providing conflicting information, refusing to answer questions (in part when they realised we caught them providing wrong information) and… Read more

several staff being rude and condescending over the phone or email. It took escalating the case to their complaint team to finally get a manager to call and sort the whole thing in minutes.

It's worth 1 star, but I'll give +1 star for the manager, who was apologetic, seemed genuine when she said she would review the case and retrain her managers, and followed up when she said she would.

If the onboarding process is so bad, I'm worried about the process when we raise a claim.

Not recommended.

AVOID!!! BUGGY Payment System! – Got a physical letter informing me that I have a dishonoured payment on 11 Oct 2024 even though Westfund has SUCCESSFULLY deducted my bank account on 01 Oct 2024. (See picture for proof.) Even worse, according to the payment history (see picture), the dishonoured payment is meant for the membership period FROM 01/11/2024 TO 01/10/2024. In other… Read more

words, the period is from November TO October, which is BACKWARDS in time!

As if that's not wrong enough, Westfund also displays that my membership has been paid up to 01 October 2024 even though the payment history says that I have paid up to 01 November 2024.

I have now received a physical letter informing me that next month Westfund will charge me double!

UPDATE:

Turns out there's an unsuccessful payment way back 3 months ago and the system was so slow that it just detected it.

Still, the messaging that I have received is p*ss poor. The dishonoured payment notices that I received in the letter and on my online account (see picture) do not mention in which month the dishonoured payment happened. This is PAYMENT system we're talking about! Do NOT halfbutt your messaging!

We have been with Westfund for 45 years starting as a young family with five children and now as age pensioners. The fund is a not for profit health fund and have proven to be honest in honouring that. Westfund cares for the individual with caring and accurate advice when required. Always very helpful. Show details ·  1

My private health insurance family - 5 star service but no Saturday contact The Highlights: Exceptional Service Human Connection: I am incredibly impressed with the staff. You get a "real person" on the phone who provides excellent service and genuine follow-up. Proactive Support: They recently reached out to help me with my transfer certificate… Read more ·  1

and app setup, which was a fantastic, high-touch experience. I enjoyed website and they have a functional, responsive email contact.unlike other funds who you cannot email! The Challenges: Access & Convenience Care Centre Proximity: A major downside is that Westfund’s own Dental and Optical Care Centres are over a two-hour drive away and road is being repaired by rms. This makes those specific features nearly impossible to use. I definitely should have checked care centre for dental and optical locations before joining ! Limited Hours: While the weekday service is top-tier, the call centre closes before 4:00 PM and is unavailable on weekends. Without a local office nearby, a Saturday/Sunday phone option (similar to HCF) would be a huge help. App Improvements: The app is a bit basic. I’d love to see more features, such as: Faster transfer certificate processing. Easier "Claim Estimates." The ability to perform cover reviews digitally without needing to call. Final Verdict I was referred by a current member and I can see why they are highly rated—the staff are truly "tops." Real service! However, if you live far from a Care Centre, you have to be prepared maybe to manage everything via the app or phone and we can't use their gap proof features for dental and optical. Also don't know if cover dangerous or sports check the pds. They paid my mum's claims without query I'm very happy to be back with a quality trustworthy health fund

They are the only healthfund that help me the most with my diabetes and needs they are great and claiming in person on the app or through a provider is so easy and straight forward I have no issues at all they are there for me and they listen when something isn’t right or could be improved for my benefit Show details ·  1

Been with Westfund for over 40 years - absolutely never had one issue with the fund as far as claiming for services and believe me there has been a lot of claims. So I would highly recommend Westfund for their customer service and their benefits payment schedules - no plan on changing. Show details ·  1

We have been with Westfund for over a decade. They have been beside our family through the kids growing up, elective and emergency surgeries, dental, glasses, allied health and much more. Any claims have been quickly dealt with professionally by nice staff, both phone and in person. I have, and will continue to, recommend Westfund. Show details ·  1

Love Westfund .. hav never had a problem .. easy to access someone .. claims lodged thru the app are actioned quickly .. we get spam to compare our private health with others but hav no need to do that. Really are satisfied Show details ·  1

My partner & I have been with Westfund for a number of years, and they have continue to satisfy our requirments for a pvt health insurance company to fulfil such Show details ·  1

We have been with Westfund Health Insurance for more than 10 years. Over this time we have never had to endure waiting periods, little or NO out of pocket costs and had Drs and Surgeons of our choice. Their website is very easy to navigate and staff are very helpful, friendly and well informed. I highly recommend to all that are looking to change Health Insurance to give them a call - you won’t be disappointed. Show details ·  1

Westfund is helpful, personalised experience, great to walk in to ask questions. Great cover - very very happy for over 15 years as a family policy and now just my husband and myself - two of my children with grandchildren are with westfund now too. Show details ·  1

I have been with Westfund for several years. They have great benefits with several levels of cover to choose from. Customer Service is excellent (On-shore). Premiums very competitively priced. I like the fact that they are a not-for-profit organisation and frequently provide online customer feedback opportunities (which from my experience I… Read more ·  1

genuinely believe they act on). They also provide real ongoing loyalty benefits. Would highly recommend Westfund.

Any insurance is expensive until it is needed. We have been with Westfund for over 20 years. Unfortunatly we have needed to claim several times on major surgeries, we have never encountered any problems with claiming. I have, honestly, no doubt that without health insurance I would not be alive to write this. The public system as good as it is,… Read more ·  1

would not have found my problems in time. Unless you have the funds to pay for the medical/hospital bills yourself, insurance as expensive as it is can be a financial saviour, or in my case a life saver as well.

I find Westfund to be an extremely efficient Healthfund provider. Our local branch is extremely professional and helpful. My cover is comprehensive and good value. Show details ·  1

Contact staff are fantastic, the benefits are better than many competitors, and there are many options for the level of hospital and extras benefits. Have some great rewards and health advice and plans and they contribute to the local community. Show details ·  1

Excellent service and quick to pay claims . I believe Westfund had the lowest increase in comparison to other friends I've spoken too. I did a comparison with an online company and they said don't change you've got excellent cover at a great price. So that was very reassuring . The staff are always very helpful and always seem very happy to help Show details ·  1

I only use Westfund a couple of times a year, usually for dental and optical services. The charges are sent directly to Westfund by the provider. All very efficiently done. Show details ·  1

Ive compared a range of health insurance providers and found westfund to be best value for services i require and hospital. They even have a local office to my area. Very pleased so far with the services and fees Show details ·  1

I have been a member of Westfund for over 30 years and have enjoyed excellent service for the price I pay which is very competitive and great value, so far. I wish there were more free facilities for members in Sydney’s Eastern suburbs as they have in other areas - but still their quality of service is second to none. Show details ·  1

I have been with them for years. I compare every year or twice a year with other funds. Their benefits are the same and their prices are better than the others. I have never dealt with anyone in person. I use the app and a digital card. I find the website and app easy to use, making a claim online is easy and quick. I have no issues at all. Show details ·  1

A excellent health fund who we have now been with for 10 years and no way will we change. My partner just had a Knee replacement and all we paid was our $500 excess. The process was hassle free and we were able to have the best knee surgeon in NSW undertake the process. Result an excellent outcome for my partner. Also the dental allowances work… Read more ·  1

great for our 70 year plus teeth. Plus the 2 month deferral on our contribution when we travel overseas for over 2 months is another BONUS!

I have been with Westfund for over 7 years. This year, Jodie ensured my Dental claim was processed promptly by checking with the service provider to have a digital record sent of their service and my payment reciept. This Healthcare provider handles difficult (personal) circumstances and will even advise you how to lower your contributions if… Read more ·  1

lower level of healthcare is appropriate to you. They are the only healthcare fund I have found that has staff who make payment and processing claims feel like the Health insurance actually works.