RT Health
Basic Plus Starter Hospital $750 Excess and Smart Extras
RT Health
How $148.98 is worked out
- Premium as filed - $196.33 a month (hospital share $113.23)
- Government rebate - 24.1% of the premium (never of the loading): -$47.35
- A month - $148.98
Go to insurer no commission on this policy
Hospital: what is covered
Covered (9)
- Dental surgery
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Male reproductive system
- Miscarriage and termination of pregnancy
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (26)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Basic Plus
- Hospital - Private or public hospital
- Excess - Capped per year. $750 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: No excess for dependents under the age of 22.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $35.00; Scale and clean (item 114): $64.00; Fluoride treatment (item 121): $44.00; Tooth extraction (item 322): $171.00 | $1,000 per policy a year |
| Major dental | 12 months | Crown (item 615): $660.00 | $1,200 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $174.00 | $1,200 per policy a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $60.00 | $500 per policy a year |
| Physiotherapy | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $450 per policy a year |
| Chiropractic | 2 months | First visit: $43.00; Follow-up visit: $33.00 | $400 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $400 per policy a year |
| Psychology | 2 months | First visit: $70.00; Follow-up visit: $55.00 | $400 per policy a year |
| Acupuncture | 2 months | First visit: $33.00; Follow-up visit: $28.00 | $500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $500 per policy a year (shared with other services) |
| Hearing aids | 24 months | Hearing aid: $450.00 | $900 per policy a year, 2 services every 3 years |
| Blood glucose monitors | 12 months | Blood: 80% back | $480 per policy a year |
| Audiology | 2 months | First visit: $60.00; Follow-up visit: $60.00 | $120 per policy a year |
| Antenatal and postnatal | 2 months | First visit: $20.00; Follow-up visit: $20.00 | $200 per policy a year |
| Chinese herbal medicine | 2 months | First visit: $25.00; Follow-up visit: $20.00 | $500 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $400 per policy a year |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $500 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $500 per policy a year |
| Health management programs | 2 months | Benefit: 100% back | $150 per policy a year |
| Home nursing | 2 months | First visit: $20.00; Follow-up visit: $20.00 | $450 per policy a year |
| Occupational therapy | 2 months | First visit: $50.00; Follow-up visit: $43.00 | $400 per policy a year |
| Orthotics | 12 months | Benefit: 100% back | $200 per policy a year |
| Osteopathy | 2 months | First visit: $47.00; Follow-up visit: $35.00 | $400 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $55.00; Follow-up visit: $45.00 | $400 per policy a year |
| Vaccinations | 2 months | Vaccination: $50.00 | $150 per policy a year |
Not covered: Braces.
* 100% back on a range of no-gap services through our More for program, and no-gap network providers, subject to your cover, waiting periods and annual & membership limits. Find out more: https://www.rthealth.com.au/health-services/find-a-dental-clinic and https://www.rthealth.com.au/health-services/find-an-optical-provider.
Other services, as filed: RT Health members pay no gap on a range of popular dental and optical services through HCF Dental or Optical Centres and the More for provider network. Includes mental health services (psychology, approved counselling, mental health social worker and OCBT courses). Health aids include blood pressure monitors, CPAP machines & masks, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.
Health management / Healthy lifestyle includes benefits towards gym membership and Tai Chi, Yoga & Pilates. Combined limit is $150 per person, $300 per membership per calendar year. For more details contact our member care team on 1300 886 123 or visit rthealthfund.com.au.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: none. No limit on emergency transport.
Agreement hospitals in ACT
RT Health has agreements with 15 private hospitals here, as filed with the Ombudsman.
The list
- ACT Endoscopy - Deakin (day hospital)
- Act Day Hospital - Deakin (day hospital)
- Barton Private Hospital - Barton
- Brindabella Endoscopy Centre - Garran (day hospital)
- Calvary Bruce Private Hospital - Bruce
- Calvary John James Hospital - Deakin
- Canberra Imaging Group - Deakin (day hospital)
- Canberra Microsurgery - Phillip (day hospital)
- Canberra Private Hospital - Deakin
- Canberra Surgicentre - Braddon (day hospital)
- Genea Canberra - Deakin (day hospital)
- IMH Deakin Private Hospital - Deakin
- Icon Cancer Centre Canberra - Bruce (day hospital)
- Mugga Wara Endoscopy Centre - Deakin (day hospital)
- Ramsay Private Hospital National Capital - Garran
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
83.7% is the Commonwealth Ombudsman's figure for HCF, the insurer of RT Health, in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement BHC/NGPP10, filed by RT Health - a division of The Hospitals Contribution Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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