rt health was established by way back in 1889 to cater to railway and transport workers. They’ve stuck to their roots, continuing to provide health cover for today’s transport and energy industry employees and their families.
As a restricted, mutual not-for-profit fund, profits are reinvested into the business to benefit its members.
rt health offers five hospital plans, starting with two Bronze Plus plans through to a premium Gold plan. Three extras policies are also available.
All hospital plans come with a free Hospital at Home program, along with a chronic disease prevention and management program.
Nobody chooses to go to hospital. But when you do, hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.
Think about what services you’re likely to need, in line with your budget. If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge.
A budget-friendly plan that covers you as a private patient in a public hospital. If you plan to be treated at a private hospital on this policy then it could end up being quite costly.
A more comprehensive entry-level plan with a lot of inclusions. It’s a policy that’s likely to appeal to younger, healthier Australians.
Mid-level cover for singles, couples and families. It’s more akin to a Silver policy and has a large number of inclusions. Choose $350 or $700 excess
A comprehensive hospital cover, with a long list of included services, excluding pregnancy, birth and weight loss, making it suitable for older Australians who don’t need these services.
Top level of cover with no exclusions. Includes pregnancy and birth, so this plan is popular with people planning on starting or growing a family.
Emergency ambulance cover is included on all hospital policies after a one-day waiting period.
From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.
While we’ve summarised the key points of each plan below, it’s always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.
Take the time to work out what you need and what you’re prepared to pay. If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what’s included in each extras policy.
rt health offers a choice of three extras policies. There’s a limited plan to cover common procedures, mid-level cover and a comprehensive plan with higher benefits on an extensive range of services.
Designed for the young and healthy. It doesn’t cover major dental or orthodontics but it does have a $500 annual limit per person on general dental. It also includes physio and optical, plus limited natural therapies and selected health aids and nicotine replacement products.
Mid-level cover across a wide range of services, although orthodontics are excluded. Includes a generous annual limit on major dental. Includes a $1,000 annual limit per person on general dental and up to 100% back on optical. Physio and chiro plus alternative therapies, speech therapy are also included.
Top-level extras for people who think they’ll be claiming lots and often. There’s unlimited general dental, and a $1,000 annual limit on orthodontics. There’s also high limits on popular services like optical, dental and physio. Hypnotherapy is also included.
To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods. Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.
All hospital plans include free health management programs. There’s Hospital at Home, to help you get home from the hospital sooner, plus a chronic disease prevention and management program, to help with conditions like asthma and heart disease.
Newcastle and Sydney residents can also get money off at rt health’s optical and dental practices.
Claim on the spot through the HICAPS app or payment system at your provider. You can also claim through the rt health mobile app.
rt health has agreements with most private hospitals and day clinics across Australia. When comparing policies, it’s worth checking if your local hospitals and clinics are covered.
rt health received 7 complaints from 1 July to 30 September 2020. That’s 0.9% of complaints vs 0.4% market share, indicating customer service may be a little below average.
Source: Private Health Ombudsman
rt health is a restricted fund. You can only join if you are a current or former employee of any of the below:
Close relatives such as parents, siblings, partners, children and their partners, and grandchildren and their partners are also eligible.
Our experts can provide you with free personal advice. Let us call you.