RT Health - a division of The Hospitals Contribution Fund
$496.10 / month
Before Rebate, Discount & Loading
Available in NSW & ACT
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: Two adults (and no-one else).
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.
Excess: You will have to pay an excess of $700 per admission. This is limited to a maximum of $700 per person and $1400 per policy per year.
Co-payments: No co-payments
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.
No excess for dependants under the age of 22.
This health insurer does not operate a preferred provider scheme.
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.
$600 per person up to $1,200 per policy
combined limit for acupuncture, chinese medicine & remedial massage
$1,000 per person
combined limit for audiology & hearing aids
$200 per service up to $400 per policy
sub-limits apply
$850 per person
combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services
$1,200 per person
combined limit for endodontic, major dental & other services
$800 per person
$200 per service up to $300 per policy
$400 per person up to $800 per policy
$300 per person
$2,500 lifetime limit
$200 per person
$550 per person
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: Benefits available for Myotherapy. Health management / Healthy lifestyle includes approved weight loss, stress management and quit smoking programs, MRI Scans not claimable through Medicare, skin tests and Tai Chi, Yoga & Pilates. Sub limit, membership limit, annual limit apply. Contact the fund for further details.
In NSW & ACT this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.
Other features of this ambulance cover: Unlimited cover for emergency ambulance attendance and transportation, and medically necessary, non-emergency ambulance transportation. The service must be provided by a state government operated, authorised, or approved ambulance scheme. Cover applies anywhere in Australia.
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 privatehealth.gov.au/dynamic/Premium/PHIS/RTE/J27B/NGFX20