Bronze Plus Essential Hospital $700 Excess and Value Extras

Hospital: what is covered

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.

Extras: what you get back

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: 1 day. Emergency limit $5,000 per person a year.

Agreement hospitals in Western Australia

RT Health has agreements with 43 private hospitals here, as filed with the Ombudsman.

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 J29A/QCSY2D, filed by RT Health - a division of The Hospitals Contribution Fund, issued 1 Apr 2026.