Hospital + ExtrasClosed

Gold 500

A Hospital + Extras product from Westfund. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (27)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $40 Scale and clean (114): $85 Fluoride (121): $24 Extraction (322): $150	No annual limit
Major dental	12 months	Full crown, veneered (615): $1,000	$1,400 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $140	$1,400 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $2,500	$500 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: $250 Multifocal lenses and frames: $250	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$400 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $42 Subsequent visit: $42	$420 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: $30 Subsequent visit: $30	$300 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $45 Subsequent visit: $45	$272 a year
Psychology	2 months	Initial visit: $75 Subsequent visit: $75	$300 a year
Acupuncture	2 months	Initial visit: $25 Subsequent visit: $25	$250 a yearShared with Chinese herbal medicine
Remedial massage	2 months	Initial visit: $30 Subsequent visit: $30	$250 a year
Hearing aids	36 months	Per hearing aid: $1,400	$1,400 a year
Blood glucose monitors	12 months	Blood glucose monitor: $100	$100 a year
Audiology (hearing tests)	2 months	Initial visit: $80 Subsequent visit: $80	$160 a year
Antenatal and postnatal care	12 months	Initial visit: 100% of the fee Subsequent visit: 100% of the fee	$200 a year
Chinese herbal medicine	2 months	Initial visit: $25 Subsequent visit: $25	$250 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: $45 Subsequent visit: $45	$250 a year
Exercise physiology	2 months	Initial visit: $30 Subsequent visit: $30	$420 a yearShared with Physiotherapy
Orthoptics	2 months	Initial visit: $25 Subsequent visit: $25	$250 a year
Health management programs	2 months	Health management program: 100% of the fee	$75 a year
Home nursing	2 months	Initial visit: $48 Subsequent visit: $48	$150 a year
Occupational therapy	2 months	Initial visit: $50 Subsequent visit: $50	$400 a year
Orthotics	12 months	Per pair of orthotics: $200	$200 a year
Osteopathy	2 months	Initial visit: $30 Subsequent visit: $30	$300 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $48 Subsequent visit: $48	$400 a year
Vaccinations	2 months	Per vaccination: $50	$400 a yearShared with Non-PBS prescription medicines

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$1,400 a year
Orthodontics (braces)
$500 a year, $2,500 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$400 a year
Also includes other services not listed
Physiotherapy, Exercise physiology
$420 a year
Chiropractic, Osteopathy
$300 a year
Podiatry
$272 a year
Hearing aids
$1,400 a year, 1 per 3 years
Also includes other services not listed
Blood glucose monitors
$100 a year
Audiology (hearing tests)
$160 a year
Also includes other services not listed
Antenatal and postnatal care
$200 a year
Health management programs
$75 a year
Orthotics
$200 a year
Also includes other services not listed
Psychology
$300 a year
Also includes other services not listed
Acupuncture, Chinese herbal medicine
$250 a year
Remedial massage
$250 a year
Also includes other services not listed
Dietetics
$250 a year
Also includes other services not listed
Orthoptics
$250 a year
Home nursing
$150 a year
Occupational therapy
$400 a year
Speech therapy
$400 a year

Insurer's notes (original English)

Product features

Additional benefits included in this policy are Counselling, 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.

Special features

Our Orthodontic benefit accrues at $500 per policy year up to a lifetime limit of $2,500. Plus, access our Provider of Choice network — dental providers nationwide who work with us to help lower or eliminate out-of-pocket costs on selected preventative treatments.

Frequently asked questions

How much does Gold 500 pay for a scale and clean?

According to government data, Gold 500 pays up to $85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Gold 500?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 36 months, Blood glucose monitors 12 months, Audiology (hearing tests) 2 months, Antenatal and postnatal care 12 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Gold 500 be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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