RT Health - a division of The Hospitals Contribution Fund
$790.26 / month
Before Rebate, Discount & Loading
Available in TAS
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: One adult & dependants (2 or more people, only one of whom is an adult).
Children (0 - 17), non-classified* dependant (18 - 21) and students (22 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependant 18-20
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 $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.
Excess payments do not apply to hospital admissions for day surgery.
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.
RT Health will waive any applicable excess for same-day treatment for members who have held RT Health Gold Optimum Hospital for at least 12 months. 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.
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.
$750 per person
combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services
$300 per person
$160 per person
$600 per person
sub-limits apply
$500 per person
combined limit for chiropractic, osteopathy & other services
$1,500 per person
combined limit for endodontic & major dental
No annual limit
$150 per person up to $300 per policy
$1,200 per person
$700 per person
$1,000 per person
$3,000 lifetime limit
$250 per person
$550 per person
$150 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: 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 cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
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. Residents of Tasmania are covered by a reciprocal state government ambulance scheme in all states except QLD and SA, so our ambulance cover only applies where the state government scheme does not. You can also purchase additional ambulance cover through a state government ambulance service.
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/J3C/TEQI1D