Health Magazine. Still great value health cover. Members. We re here for you. March 2015

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1 Members Health Magazine March 2015 A Westfund Health Publication Still great value health cover Pay premiums in advance & save $$ We re still great value for money We ve introduced new covers New Bowel Cancer blood test Rewarding our Health Heroes We re here for you

2 A Message from Grahame Danaher Westfund still representing great value to members Welcome to our Members Magazine for March It s an important time of year for health fund members, with the Federal Government recently announcing approval of headline premium rate increases from 1 April for all health funds. Westfund s average is 7.92% across all types of cover. We know that increases put pressure on the family budget, so we don t make them lightly and we have continued to work hard to ensure you are getting the best possible value for money. People who switched to Westfund in recent times have, on average, saved around 10%* on their health cover premiums, by selecting health cover that better suited their lifestyle and budget, after talking to Westfund. Of course value isn t just about premiums, we ve been paying more claims, last year we paid out $10.2 million more in hospital benefits than we did the previous year. Plus, as a result of benefit improvements made in 2014, we increased General Treatment benefits by 11.2%. Some examples of these increases are: - Physiotherapy claims paid up by 21%, - Chiropractic claims paid up by 19%, - Optical claims paid up by 17% - Dental claims paid up by 11% From January 2015 we added a range of new services to general benefits cover. It is also worth noting that over the last five years, Westfund increases have been below the industry average and over the past three years, we paid out over $11million to members in loyalty discounts which is why I m confident that your membership still provides great value. Regards Grahame Danaher Chief Executive Officer * Based on all members who transferred from other Funds in October to December 2014, where we have received a transfer certificate.

3 Save $$ with Rate Protection March WESTFUND MEMBERS MAGAZINE P3 Pay in advance and save $$ Now is a great time to lock in and pay your premiums in advance before March 31st 2015 at the 2014 rates. Here s how it works: Each year health insurance premiums are adjusted to ensure all health funds are able to meet their member obligations in the face of increasing costs. Depending on your level of cover, you could save hundreds annually by locking in your previous year s premium. In fact, as a Westfund member, you can pay any amount up to a maximum of 18 months in advance. The more you pay in advance, the more you save. It also helps save you time and worry about meeting regular premium payments in the future. Paying in advance is easy... we ve set up a new automated telephone payment service available 24/7. Just call and follow the voice prompts. You ll need your payment reference number which is in your rate change letter and your credit card details. Of course, you can still call us on during business hours if you would like to speak with someone from our member services team or call in to your local Westfund branch or us at enquiries@westfund.com.au. Have you registered online to use our secure members area westfund.com.au Members Online registration is quick and free All you need to do is complete your registration online at Simply click on the Members Online Area button - situated at the top right of the home page. With Members Online you can: See your correspondence online Access information 24/7 View your policy details Make claims Make payments Update your member details plus much more

4 P4 WESTFUND MEMBERS MAGAZINE March 2015 Still great value health cover - Did you know? All of our Private Hospital policies have Hospital Top Up - a benefit unique to Westfund members. This benefit gives you a daily cash benefit on top of any hospital and medical benefits if you are hospitalised due to an accident. You can use this benefit in any way you like, to help out with unexpected expenses. We believe our most popular cover is better value than the four big funds for comprehensive combined cover! Compare our Gold policy at privatehealth.gov.au and you will see on price we are the lowest compared to the big four funds. We offer a huge variety of prevention and health management benefits like vitamins, weight loss programs, quit smoking benefits and many more. We will make available additional preventive health programs in 2015 that will assist our members. All our Gold and Platinum members received higher per item dental benefits over the last year and as a result we have returned an additional $1.3 million in dental benefits. Peace of Mind Westfund takes pride in offering members value for money cover. We like to ensure our members have a high level of hospital coverage for when that unexpected treatment is required. We return one of the highest percentage of hospital related charges in the industry. (Refer: PHIO State of the Health Funds Report 2013) In the 2013/14 financial year Westfund paid an additional $10.2 million in hospital benefits to our members. Some of these hospital procedures are listed below. Additional Hospital benefits paid in 2013/14 year compared to the previous year Opthamology Cardiac/Circulatory Psychiatric Endocrine/Nutritional Orthopaedic UP 25% UP 22% UP 60% UP 28% UP 13% Additional General Treatment benefits paid in 2013/14 year compared to the previous year Dental Optical Physio & Chiro UP 11% UP 17% UP 18%

5 March WESTFUND MEMBERS MAGAZINE P5 Highlights from our Annual Review We recently released our 2014 annual review, which covers our operation in the 2013/14 financial year. The review outlines some of the highlights for the year which include an operating surplus of $5.6 million for the period and membership growth of 5.2%, which was higher than the industry for the same period. Overall benefits paid out increased by 12.4% for Hospital and Medical and 11.2% for General Treatment. We also increased our investment in people, technology and systems to support future growth. We outlined our plans for the future up to 2023, when we hope to have a network of 20 Care Centres servicing over 100,000 members. We have a very strong focus on improving member value. Some of the ways we plan to deliver this are by: Transforming our branch network and dental and eye care practices into integrated service centres delivering seamless service. Improving the member service experience with improved care and advice and more community involvement. Becoming even easier to deal with by reducing forms and paperwork for members where we can. A complete copy of the Annual review can be found at Rewarding our Health Heroes Here for our community: Every day many people go out of their way to make a difference to the health and well-being of their local community. We recognise that these people are the true health heroes of our communities and we want to acknowledge their efforts through the 2015 Westfund Health Hero Awards. You could win $1000 for your local community. Visit for more information. Better access to life saving defibrillators Our Here For Hearts program is launching in 2015 and is a partnership between Westfund and the Defibshop to provide easier access to defibrillators in our regional communities and save more lives. The cost of the units can be subsidised for various community groups and schools. For more information visit We ll also look to developing new services like: Extending member access to dental and eyecare services in new areas. Adding new health services by partnering with selected external providers. Improving health outcomes for members by introducing a range of new preventive health initiatives like the micronutrition supplements launched in 2014.

6 P6 WESTFUND MEMBERS MAGAZINE March 2015 Our new cover options provide added value NEW Westfund s Esteem Cover Tailored cover for senior Singles and Couples Top hospital cover including procedures like hip and knee replacements and eye surgery without paying for procedures you don t need like pregnancy Optional $500 excess to reduce premiums (excess does not apply to accidents or same-day procedures) $1,600 per member per year for Dental Physiotherapy and Chiropractic up to $600 per member per year $500 per member for Prescriptions Hospital Top Up - $100 per night per hospitalisation as the result of an accident Great variety of Medically Recommended Devices benefits Restrictions apply to Sterilisation and Gastric Banding procedures NEW Westfund s Essential Cover Public Hospital cover for those unexpected admissions with great value General Treatment benefits Private patient cover for you in a Public Hospital $500 excess does not apply to accidents, same-day procedures or admission of dependants Exclusions include Gastric Banding and Dialysis for Chronic Renal Failure Choose from our Platinum Extras or Gold Extras benefits to go with your Public Hospital cover NEW Westfund s Platinum Extras Cover Our highest General Treatment benefits No annual or lifetime limit on General Dental which also includes an additional $500 to use on gaps Optical up to $350 per member per year Physiotherapy Up to $800 a year for families Chiropractic Up to $800 a year for families Complementary Therapies Up to $1,500 per year for families Broad range of Prevention and Health Management benefits like Vitamins, Fitness Centre, Moles Scanning $75 per member per year to purchase your Sunglasses from your Westfund Branch

7 March WESTFUND MEMBERS MAGAZINE P7 Bowel Cancer pilot delivers life-saving results Australian medical history was created in NSW Central West last year with the first ever commercially available blood test for bowel cancer provided free of charge to Westfund members This pilot program was made available through partnership between Westfund Health and Biotech company Clinical Genomics. Over 420 members were tested as part of the program where a blood test is offered as an option for bowel cancer screening alongside the traditional stool test. The pilot program makes the new blood test an option for those people who can t or won t screen for bowel cancer using the traditional test. Of those members that participated, 39% completed the new blood test and overall there were 89 positive results. Bowel cancer continues to be Australia s second biggest cancer killer and early detection is the key to treating and conquering it. Westfund now hopes to extend the pilot program into other regional areas in Large-scale clinical studies indicate that about 3-5% of average risk adults who test positive go on to have bowel cancer identified by colonoscopy. Therefore this study may have led to somewhere between 3 and 5 local residents having their advanced cancer diagnosed. Rewarding members who switched and saved We reviewed the covers of members who recently switched to Westfund and found that on average, they saved around 10% compared to their previous cover.* As well as saving money, these new members also took out a new cover that better suited their needs. That is good news for current members too because it demonstrates the great value we offer all Australians. We plan to tell a lot more people about this through an advertising campaign to attract new members to Westfund. Receive a $25 Gift Card when you recommend a friend or relative The other bit of good news is that you can participate too, if you recommend a friend both get a $25 gift card. Drop in to a local branch or call: for more information *Based on all members who transferred from other Funds in October to December 2014, where we have received a transfer certificate. Excludes Australian Government Rebate on private health insurance.

8 J1475

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