RT Health
Basic Plus Starter Hospital $750 Excess and Value Extras
RT Health
How $115.65 is worked out
- Premium as filed - $152.41 a month (hospital share $113.23)
- Government rebate - 24.1% of the premium (never of the loading): -$36.76
- A month - $115.65
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): $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
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: none. No limit on emergency transport.
Agreement hospitals in Northern Territory
RT Health has agreements with 2 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
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/NGSV10, 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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