How $29.29 is worked out
- Premium as filed - $38.60 a month
- Government rebate - 24.1% of the premium (never of the loading): -$9.31
- A month - $29.29
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $30.00; Scale and clean (item 114): $57.00; Fluoride treatment (item 121): $37.00; Tooth extraction (item 322): $152.00 | $500 per policy a year |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $35.00 | $300 per policy a year |
| Physiotherapy | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $350 per policy a year |
| Chiropractic | 2 months | First visit: $37.00; Follow-up visit: $30.00 | $300 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $31.00; Follow-up visit: $26.00 | $300 per policy a year |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $200 per policy a year |
| Blood glucose monitors | 12 months | Blood: 80% back | $300 per policy a year |
| Dietitian | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $300 per policy a year |
| Eye therapy (orthoptics) | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $300 per policy a year |
| Occupational therapy | 2 months | First visit: $38.00; Follow-up visit: $36.00 | $300 per policy a year |
| Osteopathy | 2 months | First visit: $39.00; Follow-up visit: $31.00 | $300 per policy a year (shared with other services) |
| Vaccinations | none | Vaccination: $50.00 | $150 per policy a year |
Not covered: Major dental, Root canal, Braces, Podiatry, Psychology, Hearing aids, Audiology, Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Health management programs, Home nursing, Orthotics, Speech therapy.
* 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. Health aids include blood pressure monitors, CPAP machines, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.
Ambulance
No ambulance cover.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $78.36 |
| NSW | My family | None | $78.36 |
| NSW | Just me | None | $39.18 |
| NSW | Me and my children | None | $78.36 |
| NT | Me and my partner | None | $74.30 |
| NT | My family | None | $74.30 |
| NT | Just me | None | $37.15 |
| NT | Me and my children | None | $74.30 |
| QLD | Me and my partner | None | $76.56 |
| QLD | My family | None | $76.56 |
| QLD | Just me | None | $38.28 |
| QLD | Me and my children | None | $76.56 |
| SA | Me and my partner | None | $77.20 |
| SA | My family | None | $77.20 |
| SA | Just me | None | $38.60 |
| SA | Me and my children | None | $77.20 |
| TAS | Me and my partner | None | $74.28 |
| TAS | My family | None | $74.28 |
| TAS | Just me | None | $37.14 |
| TAS | Me and my children | None | $74.28 |
| VIC | Me and my partner | None | $78.80 |
| VIC | My family | None | $78.80 |
| VIC | Just me | None | $39.40 |
| VIC | Me and my children | None | $78.80 |
| WA | Me and my partner | None | $77.62 |
| WA | My family | None | $77.62 |
| WA | Just me | None | $38.81 |
| WA | Me and my children | None | $77.62 |
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 I8/SBFJ10, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.