rt health was established by way back in 1889 to cater to railway and transport workers. They've stuck to their roots, continuing to provide health cover for today's transport and energy industry employees and their families.
A budget-friendly plan that covers you as a private patient in a public hospital.
If you plan to be treated at a private hospital on this policy then it could end up being quite costly.
Avoids the Medicare Levy Surcharge
Emergency ambulance cover
Restricted access to all hospital cover items
Bronze Plus First Start Hospital
A more comprehensive entry-level plan with a lot of inclusions.
It's a policy that's likely to appeal to younger, healthier Australians.
Hernia and appendix
Bronze Plus Step Up
Mid-level cover for singles, couples and families.
It's more akin to a Silver policy and has a large number of inclusions.
Choose from a $350 or $700 excess.
Back, neck and spine
Implantation of hearing devices
Lung and chest
Silver Plus Smart Hospital No Pregnancy
A comprehensive hospital cover, with a long list of included services, excluding pregnancy, birth and weight loss, making it suitable for older Australians who don't need these services.
Heart and vascular system
Dialysis for chronic kidney failure
Gold Premium Hospital
Top level of cover with no exclusions.
Includes pregnancy and birth, so this plan is popular with people planning on starting or growing a family.
Assisted reproductive services
Pregnancy and birthing
Hospital psychiatric services
Emergency ambulance cover is included on all hospital policies after a one-day waiting period.
From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.
While we've summarised the key points of each plan below, it's always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.
Take the time to work out what you need and what you're prepared to pay.
If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what's included in each extras policy.
rt health offers a choice of three extras policies.
There's a limited plan to cover common procedures, mid-level cover and a comprehensive plan with higher benefits on an extensive range of services.
Designed for the young and healthy. It doesn't cover major dental or orthodontics but it does have a $500 annual limit per person on general dental.
It also includes physio and optical, plus limited natural therapies and selected health aids and nicotine replacement products.
Mid-level cover across a wide range of services, although orthodontics are excluded.
Includes a generous annual limit on major dental. Includes a $1,000 annual limit per person on general dental and up to 100% back on optical.
Physio and chiro plus alternative therapies, speech therapy are also included.
Top-level extras for people who think they'll be claiming lots and often.
There's unlimited general dental, and a $1,000 annual limit on orthodontics.
There's also high limits on popular services like optical, dental and physio.
rt health is a restricted fund. You can only join if you are a current or former employee of any of the below:
A land, sea or air transport company
A government department that administers the land, sea or air transport industries.
Energy companies, including electricity, gas, oil, petrol, coal, nuclear or renewables.
A contractor who worked for any of the above
A franchisee of any of the above
rt health fund
MOVE (formerly known as the Railways Credit Union Limited)
Close relatives such as parents, siblings, partners, children and their partners, and grandchildren and their partners are also eligible.
Is it easy to switch to rt health?
rt health isn't on our panel but we're confident we can find you a great deal on your health insurance.
You'll need to contact rt health directly if you're interested in switching to one of their policies.
Do I need to re-serve waiting periods?
You can switch to an equivalent or lower level of cover without re-serving waiting periods.
You will only be required to serve waiting periods if you have upgraded to a higher level of cover.
Can I change my level of cover?
Yes, you can choose a lower or higher level of cover to suit your different life stages.
If you move to a higher level of cover, you will usually need to serve waiting periods on the extra services and/or higher benefits.
Do I get the government rebate?
For every dollar of private health insurance premiums, the Australian Government provides eligible Australians with a rebate of up to 33.4% (depending on your age and income).
Do I have to pay the Lifetime Health Cover loading?
If you're 31 or over, you usually need to pay 2% loading for each year you've gone without health cover since the 1st July following your 31st birthday.