(before any rebate or insurer discount)
Covers 2 adults (and no-one else)
Available in Victoria
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This health insurer does not operate a preferred provider scheme.
| Note, for items marked with an asterisk *: 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. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $1,000 per person up to $2,000 per policy | Periodic oral examination - $35.00 Scale & clean - $64.00 Fluoride treatment - $44.00 Surgical tooth extraction - $171.00 |
| Major dental | 12 | $1,200 per person up to $2,400 per policy (combined limit for major dental & endodontic) | Full crown veneered - $660.00 |
| Endodontic | 12 | Filling of one root canal - $174.00 | |
| Optical* | 2 | $250 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $500 per person up to $1,000 per policy | Per eligible prescription - $60.00 |
| Physiotherapy | 2 | $450 per person up to $900 per policy | Initial visit - $50.00 Subsequent visit - $45.00 |
| Chiropractic | 2 | $400 per person up to $800 per policy (combined limit for chiropractic, osteopathy & other services) | Initial visit - $43.00 Subsequent visit - $33.00 |
| Podiatry | 2 | $400 per person up to $800 per policy | Initial visit - $40.00 Subsequent visit - $35.00 |
| Psychology | 2 | $400 per person up to $800 per policy (combined limit for psychology & other services) | Initial visit - $70.00 Subsequent visit - $55.00 |
| Acupuncture | 2 | $500 per person up to $1,000 per policy (combined limit for acupuncture, remedial massage, chinese medicine, exercise physiology & other services) | Initial visit - $33.00 Subsequent visit - $28.00 |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $35.00 | |
| Hearing aids | 24 | $900 per person 2 service(s) every 3 years (Sub-limits apply) | Hearing aid - $450.00 |
| Blood glucose monitors | 12 | $480 per person (combined limit for blood glucose monitors & other services - Sub-limits apply) | Per monitor - 80% of charge |
| Audiology | 2 | $120 per person up to $240 per policy | Initial visit - $60.00 Subsequent visit - $60.00 |
| Ante-natal/Post-natal classes | 2 | $200 per person | Initial visit - $20.00 Subsequent visit - $20.00 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $25.00 Subsequent visit - $20.00 |
| Dietetics/dietary advice | 2 | $400 per person up to $800 per policy | Initial visit - $45.00 Subsequent visit - $45.00 |
| Exercise physiology | 2 | Combined limit - see Acupuncture | Initial visit - $30.00 Subsequent visit - $30.00 |
| Eye therapy (orthoptics) | 2 | $400 per person up to $800 per policy | Initial visit - $35.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | $150 per person up to $300 per policy | Health management - 100% of charge |
| Home nursing | 2 | $450 per person up to $900 per policy | Initial visit - $20.00 Subsequent visit - $20.00 |
| Occupational therapy | 2 | $400 per person up to $800 per policy | Initial visit - $50.00 Subsequent visit - $43.00 |
| Orthotics (podiatric orthoses) | 12 | $200 per person up to $280 per policy | Orthotics supply & fit - 100% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $47.00 Subsequent visit - $35.00 |
| Speech therapy | 2 | $400 per person up to $800 per policy | Initial visit - $55.00 Subsequent visit - $45.00 |
| Vaccinations | 2 | $150 per person | Per service - $50.00 |
| 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. | |||
| Orthodontic | Other treatments - check with your insurer |
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.
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Non-emergency: Unlimited transport with a waiting period of 1 day, or 1 day for pre-existing conditions.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
1) Up to 100% of the cost of emergency ambulance transportation, including air ambulance transportation, provided by a State Government or State Government authorised ambulance service. 2) A Benefit of up to 100% of the cost of non-emergency ambulance transportation provided by a State Government or State Government authorised ambulance service where the transportation has been medically authorised by a practitioner or facility. The Fund will require documentation before transportation can be authorised. 3) A Benefit of up to 100% of the cost of all attendance fees/non-transportation treatment provided by a State Government or State Government authorised ambulance service.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.