RT Health
Bronze Plus Essential Hospital $700 Excess
RT Health
How $228.65 is worked out
- Premium as filed - $301.32 a month
- Government rebate - 24.1% of the premium (never of the loading): -$72.67
- A month - $228.65
Go to insurer no commission on this policy
Hospital: what is covered
Covered (27)
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (2)
- Hospital psychiatric services
- Rehabilitation
Not covered (9)
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pregnancy and birth
- 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 - Bronze Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $700 per admission. $700 per person a year. $1,400 per policy a year. No excess for dependants.
- 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
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: No excess for dependants under the age of 22.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. Emergency limit $5,000 per person a year.
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.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $700 | $291.76 |
| NSW | My family | $700 | $291.76 |
| NSW | Just me | $700 | $145.88 |
| NSW | Me and my children | $700 | $218.82 |
| NT | Me and my partner | $700 | $202.78 |
| NT | My family | $700 | $202.78 |
| NT | Just me | $700 | $101.39 |
| NT | Me and my children | $700 | $152.08 |
| QLD | Me and my partner | $700 | $304.26 |
| QLD | My family | $700 | $304.26 |
| QLD | Just me | $700 | $152.13 |
| QLD | Me and my children | $700 | $228.19 |
| SA | Me and my partner | $700 | $294.80 |
| SA | My family | $700 | $294.80 |
| SA | Just me | $700 | $147.40 |
| SA | Me and my children | $700 | $221.10 |
| TAS | Me and my partner | $700 | $290.64 |
| TAS | My family | $700 | $290.64 |
| TAS | Just me | $700 | $145.32 |
| TAS | Me and my children | $700 | $217.98 |
| VIC | Me and my partner | $700 | $301.32 |
| VIC | My family | $700 | $301.32 |
| VIC | Just me | $700 | $150.66 |
| VIC | Me and my children | $700 | $225.99 |
| WA | Me and my partner | $700 | $240.94 |
| WA | My family | $700 | $240.94 |
| WA | Just me | $700 | $120.47 |
| WA | Me and my children | $700 | $180.70 |
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 J26A/VCLX2D, 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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