RT Health
Silver Plus Standard Hospital $250 Excess and Top Extras
RT Health
How $642.80 is worked out
- Premium as filed - $847.11 a month (hospital share $563.85)
- Government rebate - 24.1% of the premium (never of the loading): -$204.31
- A month - $642.80
Go to insurer no commission on this policy
Hospital: what is covered
Covered (30)
- Back, neck and spine
- 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
- Heart and vascular system
- 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)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (1)
- Hospital psychiatric services
Not covered (7)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- 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 - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $250 per person a year. $500 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
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: $100 cap for day admissions, subject to a 12-month eligibility period for new cover from 14 September 2026. No excess for dependants 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): $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 person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $192.00 | $1,500 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,000 per person a year, $3,000 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $300 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $600 per person a year |
| Physiotherapy | 2 months | First visit: $60.00; Follow-up visit: $54.00 | $550 per person a year |
| Chiropractic | 2 months | First visit: $49.00; Follow-up visit: $39.00 | $500 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $40.00 | $500 per person a year |
| Psychology | 2 months | First visit: $80.00; Follow-up visit: $60.00 | $500 per person a year |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $750 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $750 per person a year (shared with other services) |
| Hearing aids | 24 months | Hearing aid: $600.00 | $1,200 per person a year, 2 services every 3 years |
| Blood glucose monitors | 12 months | Blood: 80% back | $600 per person a year |
| Audiology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $160 per person a year |
| Antenatal and postnatal | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $300 per person a year |
| Chinese herbal medicine | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $750 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $55.00; Follow-up visit: $55.00 | $500 per person a year |
| Exercise physiology | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $750 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per person a year |
| Health management programs | 2 months | Benefit: 100% back | $150 per person a year, $300 per policy a year |
| Home nursing | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $700 per person a year |
| Occupational therapy | 2 months | First visit: $60.00; Follow-up visit: $53.00 | $500 per person a year |
| Orthotics | 12 months | Benefit: 100% back | $250 per person a year |
| Osteopathy | 2 months | First visit: $53.00; Follow-up visit: $40.00 | $500 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $70.00; Follow-up visit: $60.00 | $500 per person a year |
| Vaccinations | 2 months | Vaccination: $50.00 | $150 per person 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. Call-out fees covered. Waiting period for emergency transport: 1 day. Emergency limit $5,000 per person a year.
Agreement hospitals in Queensland
RT Health has agreements with 101 private hospitals here, as filed with the Ombudsman.
The list
- Avive Clinic Brisbane - Windsor
- B.Braun Morayfield Renal Care Centre - Morayfield (day hospital)
- Belmont Private Hospital - Carina
- Brisbane Day Surgery - Spring Hill (day hospital)
- Brisbane Endoscopy Service - Sunnybank (day hospital)
- Brisbane Private Hospital - Brisbane
- Buderim Gastroenterology Centre - Maroochydore (day hospital)
- Buderim Private Hospital - Buderim
- Bundaberg Private Day Hospital - Kensington (day hospital)
- Caboolture Private Hospital - Caboolture
- Cairns Private Hospital - Cairns
- Cancer Care Noosa - Noosaville (day hospital)
- Canossa Private Hospital - Oxley
- Chermside Day Hospital - Chermside (day hospital)
- Chermside Dialysis Clinic - Chermside (day hospital)
- Currumbin Clinic - Currumbin
- Eastern Endoscopy Centre - Birkdale (day hospital)
- Eden Private Hospital - Cooroy
- Eye-Tech Day Surgeries - Spring Hill (day hospital)
- Eye-Tech Day Surgeries Southside - Upper Mount Gravatt (day hospital)
- FMC Dialysis Clinic North Lakes - North Lakes (day hospital)
- Far North Day Hospital - Cairns (day hospital)
- Friendly Society Private Hospital - Bundaberg West
- Gold Coast Private Hospital - Southport
- Greenslopes Private Hospital - Greenslopes
- Hervey Bay Surgical Hospital - Pialba
- Hillcrest - Rockhampton Private Hospital - Rockhampton
- Icon Cancer Centre Chermside - Chermside (day hospital)
- Icon Cancer Centre Mackay - Mackay (day hospital)
- Icon Cancer Centre North Lakes - North Lakes (day hospital)
- Icon Cancer Centre South Brisbane - South Brisbane (day hospital)
- Icon Cancer Centre Southport - Southport (day hospital)
- Icon Cancer Centre Townsville - Hyde Park (day hospital)
- Icon Cancer Centre Wesley - Auchenflower (day hospital)
- Ipswich Day Hospital - Ipswich (day hospital)
- John Flynn Private Hospital - Tugun
- Kawana Private Hospital - Birtinya
- Lady Bjelke-Petersen Community Hospital - Kingaroy
- Logan Endoscopy Services - Browns Plains (day hospital)
- Mackay Private Hospital - Mount Pleasant
- Mackay Specialist Day Hospital - North Mackay (day hospital)
- Maroochy Private Hospital - Maroochydore
- Mater Private Day Hospital Brookwater - Brookwater (day hospital)
- Mater Private Hospital (South Brisbane) - South Brisbane
- Mater Private Hospital Bundaberg - Bundaberg
- Mater Private Hospital Gold Coast - Southport
- Mater Private Hospital Mackay - North Mackay
- Mater Private Hospital Mackay (Wellington Street Campus) - Mackay (day hospital)
- Mater Private Hospital Redland - Cleveland
- Mater Private Hospital Rockhampton - Rockhampton
- Mater Private Hospital Springfield - Springfield Central
- Mater Private Hospital Townsville - Pimlico
- Mater Private Hospital Townsville (Hyde Park Campus) - Hyde Park
- Mater Women's & Children's Private Health Services - South Brisbane
- Moreton Day Hospital - North Lakes (day hospital)
- Nambour Selangor Private Hospital - Nambour
- Noosa Day Hospital - Noossaville
- Noosa Hospital - Noosaville
- North Lakes Day Hospital - North Lakes (day hospital)
- North Queensland Day Surgical Centre - Pimlico (day hospital)
- North West Private Hospital (Qld) - Everton Park
- Pacific Day Surgery Centre - Fortitude Valley (day hospital)
- Pacific Private Hospital - Southport
- Peninsula Private Hospital (Qld) - Kippa-Ring
- Pindara Day Procedure Centre - Benowa (day hospital)
- Pindara Private Hospital - Benowa
- Pine Rivers Private Hospital - Strathpine
- Ramsay Clinic Cairns - North Cairns
- Ramsay Clinic Caloundra - Caloundra
- Ramsay Clinic New Farm - New Farm
- Ramsay Surgical Centre Cairns - Cairns (day hospital)
- Ramsay Surgical Centre Cleveland - Cleveland (day hospital)
- Robina Private Hospital - Robina
- Roderick Street Day Surgery - Ipswich (day hospital)
- Short Street Day Surgery - Southport (day hospital)
- South Brisbane Day Hospital - Woolloongabba (day hospital)
- Southside Endoscopy Centre - Springwood (day hospital)
- Spring Hill Specialist Day Hospital - Spring Hill (day hospital)
- St Andrew's Ipswich Private Hospital - Ipswich
- St Andrew's Toowoomba Hospital - Toowoomba
- St Andrew's War Memorial Hospital - Spring Hill
- St Stephen's Hospital Hervey Bay - Urraween
- St Vincent's Private Hospital Brisbane - Kangaroo Point
- St Vincent's Private Hospital Northside - Chermside
- St Vincent's Private Hospital Toowoomba - Toowoomba
- Sunnybank Private Hospital - Sunnybank
- Sunshine Coast Day Surgery - Maroochydore (day hospital)
- Sunshine Coast Haematology and Oncology Clinic - Buderim (day hospital)
- Sunshine Coast University Private Hospital - Birtinya
- Tasman Health Care Day Infusion Unit - Southport (day hospital)
- The Solace Clinic - Maroochydore (day hospital)
- The Southport Private Hospital - Southport
- The Wesley Hospital - Auchenflower
- Toowoomba Surgicentre - Toowoomba (day hospital)
- Townsville Day Surgery - Townsville (day hospital)
- Townsville Private Clinic - Townsville City
- Vision Centre Day Surgery - Southport (day hospital)
- Westside Haematology And Oncology Clinic - Taringa (day hospital)
- Westside Private Hospital - Taringa
- Wide Bay Private Day Hospital - Bundaberg West (day hospital)
- iMH Nundah Private Hospital - Nundah
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 J33A/QFDZ2Y, 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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