How $91.72 is worked out
- Premium as filed - $120.87 a month
- Government rebate - 24.1% of the premium (never of the loading): -$29.15
- A month - $91.72
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): $35.00; Scale and clean (item 114): $72.00; Fluoride treatment (item 121): $44.00; Tooth extraction (item 322): $190.00 | no yearly limit |
| Major dental | 12 months | Crown (item 615): $782.00 | $1,500 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $192.00 | $1,500 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,000 per policy a year, $3,000 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $300 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $600 per policy a year |
| Physiotherapy | 2 months | First visit: $60.00; Follow-up visit: $54.00 | $550 per policy a year |
| Chiropractic | 2 months | First visit: $49.00; Follow-up visit: $39.00 | $500 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $40.00 | $500 per policy a year |
| Psychology | 2 months | First visit: $80.00; Follow-up visit: $60.00 | $500 per policy a year |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $750 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $750 per policy a year (shared with other services) |
| Hearing aids | 24 months | Hearing aid: $600.00 | $1,200 per policy a year, 2 services every 3 years |
| Blood glucose monitors | 12 months | Blood: 80% back | $600 per policy a year |
| Audiology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $160 per policy a year |
| Antenatal and postnatal | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $300 per policy a year |
| Chinese herbal medicine | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $750 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $55.00; Follow-up visit: $55.00 | $500 per policy a year |
| Exercise physiology | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $750 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per policy a year |
| Health management programs | 2 months | Benefit: 100% back | $150 per policy a year |
| Home nursing | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $700 per policy a year |
| Occupational therapy | 2 months | First visit: $60.00; Follow-up visit: $53.00 | $500 per policy a year |
| Orthotics | 12 months | Benefit: 100% back | $250 per policy a year |
| Osteopathy | 2 months | First visit: $53.00; Follow-up visit: $40.00 | $500 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $70.00; Follow-up visit: $60.00 | $500 per policy a year |
| Vaccinations | 2 months | Vaccination: $50.00 | $150 per policy a year |
* 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 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. Waiting period for emergency transport: 1 day. No limit on emergency transport.
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 | $241.74 |
| NSW | My family | None | $241.74 |
| NSW | Just me | None | $120.87 |
| NSW | Me and my children | None | $241.74 |
| NT | Me and my partner | None | $214.04 |
| NT | My family | None | $214.04 |
| NT | Just me | None | $107.02 |
| NT | Me and my children | None | $214.04 |
| SA | Me and my partner | None | $235.46 |
| SA | My family | None | $235.46 |
| SA | Just me | None | $117.73 |
| SA | Me and my children | None | $235.46 |
| WA | Me and my partner | None | $222.20 |
| WA | My family | None | $222.20 |
| WA | Just me | None | $111.10 |
| WA | Me and my children | None | $222.20 |
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 I10/NAOL10, 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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