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RT Health - a division of The Hospitals Contribution Fund

Bronze Plus Essential Hospital $350 Excess and Top Extras

$209.39 / month

(Before Rebate, Discount & Loading)

Available in NT

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

Policy ID: RTE/J27/DCEH10 Source: Private Health Information Statement (PHIS)

Hospital Cover

Covered

Restricted Cover

Not Covered

This policy includes cover for

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

Hospital psychiatric services

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

This policy does not include cover for

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

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $350 per admission. This is limited to a maximum of $350 per person and $350 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

No excess for dependants under the age of 22.

For further information about this policy see: https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides

This health insurer does not operate a preferred provider scheme.

Policy ID: RTE/J27/DCEH10 Source: Private Health Information Statement (PHIS)

Extras Cover

This policy includes General treatment (Extras) cover for

Note, for treatments marked with * : 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.

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture

$750 per policy

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $40
Subsequent visit: $35

Ante-natal/Post-natal classes

$300 per policy

Initial visit: $30
Subsequent visit: $30

Audiology

$160 per policy

Initial visit: $80
Subsequent visit: $80

Blood glucose monitors

$600 per policy

sub-limits apply

Per monitor: 80% of charge

Chinese medicine

$750 per policy

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $35
Subsequent visit: $30

Chiropractic

$500 per policy

combined limit for chiropractic, osteopathy & other services

Initial visit: $49
Subsequent visit: $39

Dietetics/dietary advice

$500 per policy

Initial visit: $55
Subsequent visit: $55

Endodontic

$1,500 per policy

combined limit for endodontic & major dental

Filling of one root canal: $192

Exercise physiology

$750 per policy

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $40
Subsequent visit: $35

Eye therapy (orthoptics)

$500 per policy

Initial visit: $40
Subsequent visit: $35

General dental*

No annual limit

Fluoride treatment: $44
Scale & clean: $72
Surgical tooth extraction: $190
Periodic oral examination: $35

Health management / Healthy lifestyle

$150 per policy

Health management: 100% of charge

Hearing aids

$1,200 per policy

sub-limits apply

Hearing aid: $600

Home nursing

$700 per policy

Initial visit: $30
Subsequent visit: $30

Major dental

$1,500 per policy

combined limit for endodontic & major dental

Full crown veneered: $782

Non PBS pharmaceuticals

$600 per policy

Per eligible prescription: $70

Occupational therapy

$500 per policy

Initial visit: $60
Subsequent visit: $53

Optical*

$300 per policy

Multi-focal lenses & frames: 100% of charge
Single vision lenses & frames: 100% of charge

Orthodontic

$1,000 per policy

$3,000 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Orthotics (podiatric orthoses)

$250 per policy

Orthotics supply & fit: 100% of charge

Osteopathy

$500 per policy

combined limit for chiropractic, osteopathy & other services

Initial visit: $53
Subsequent visit: $40

Physiotherapy

$550 per policy

Initial visit: $60
Subsequent visit: $54

Podiatry

$500 per policy

Initial visit: $45
Subsequent visit: $40

Psychology

$500 per policy

Initial visit: $80
Subsequent visit: $60

Remedial massage

$750 per policy

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $40
Subsequent visit: $40

Speech therapy

$500 per policy

Initial visit: $70
Subsequent visit: $60

Vaccinations

$150 per policy

Per service: $50

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.

Other features of this general treatment cover: 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.

For further information about this policy see: https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides

Ambulance cover

In NT this policy provides:

Emergency: With a waiting period of 1 day, limited to $5,000 per person per year.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Up to $5,000 per person per year for emergency ambulance attendance or transportation in the case of accident or illness. Cover applies anywhere in Australia. You can also purchase additional ambulance cover through a state government ambulance service.

For further information about this policy see: https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

Bronze Plus Essential Hospital $350 Excess and Top Extras

$209.39 / month

(Before Rebate, Discount & Loading)

Available in NT

Call now 1300 886 123 Sponsor link

RT Health - a division of The Hospitals Contribution Fund

http://www.rthealth.com.au

help@rthealth.com.au

1300 886 123

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/RTE/J27/DCEH10