(before any rebate, loading or discount)
Covers only one person
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 exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Blood | Gastrointestinal endoscopy | Pain management with device |
| Bone, joint and muscle | Gynaecology | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Skin |
| Dental surgery | Kidney and bladder | Sleep studies |
| Diabetes management (excluding insulin pumps) | Lung and chest | Tonsils, adenoids and grommets |
| Digestive system | Male reproductive system | Hospital psychiatric services |
| Ear, nose and throat | Miscarriage and termination of pregnancy | Rehabilitation |
| Eye (not cataracts) | Pain management |
| Assisted reproductive services | Dialysis for chronic kidney failure | Joint replacements |
| Back, neck and spine | Heart and vascular system | Pregnancy and birth |
| Cataracts | Insulin pumps | 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.
Excess: You will have to pay an excess of $700 per admission. This is limited to a maximum of $700 per person and $700 per policy per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
No excess for dependants under the age of 22.
https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides
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 Teeth 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. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $1,000 per policy | Periodic oral examination - $35.00 Scale & clean - $59.00 Fluoride treatment - $44.00 Surgical tooth extraction - $165.00 |
| Major dental | 12 | $1,200 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 policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $500 per policy | Per eligible prescription - $60.00 |
| Physiotherapy | 2 | $450 per policy | Initial visit - $50.00 Subsequent visit - $45.00 |
| Chiropractic | 2 | $400 per policy (combined limit for chiropractic, osteopathy & other services) | Initial visit - $43.00 Subsequent visit - $33.00 |
| Podiatry | 2 | $400 per policy | Initial visit - $40.00 Subsequent visit - $35.00 |
| Psychology | 2 | $400 per policy (combined limit for psychology & other services) | Initial visit - $65.00 Subsequent visit - $40.00 |
| Acupuncture | 2 | $500 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 policy 2 service(s) every 3 years (Sub-limits apply) | Hearing aid - $450.00 |
| Blood glucose monitors | 12 | $480 per policy (combined limit for blood glucose monitors & other services - Sub-limits apply) | Per monitor - 80% of charge |
| Audiology | 2 | $120 per policy | Initial visit - $60.00 Subsequent visit - $60.00 |
| Ante-natal/Post-natal classes | 2 | $200 per policy | 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 policy | Initial visit - $45.00 Subsequent visit - $45.00 |
| Exercise physiology | 2 | Combined limit - see Acupuncture | Initial visit - $20.00 Subsequent visit - $20.00 |
| Eye therapy (orthoptics) | 2 | $500 per policy | Initial visit - $35.00 Subsequent visit - $30.00 |
| Home nursing | 2 | $450 per policy | Initial visit - $20.00 Subsequent visit - $20.00 |
| Occupational therapy | 2 | $400 per policy | Initial visit - $45.00 Subsequent visit - $40.00 |
| Orthotics (podiatric orthoses) | 12 | $200 per policy | Orthotics supply & fit - 100% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $43.00 Subsequent visit - $33.00 |
| Speech therapy | 2 | $400 per policy | Initial visit - $45.00 Subsequent visit - $40.00 |
| Vaccinations | 2 | $150 per policy | Per service - $50.00 |
| RT Health members pay no gap* on a range of popular dental services through HCF Dental Centres and the More for Teeth provider network. Find out more: https://www.rthealth.com.au/health-services/find-a-dental-clinic. Includes mental health services (psychology, approved counselling, mental health social worker and OCBT courses). Annual, person and sub limits apply. Health aids include blood pressure monitors, CPAP machines & masks, tens machines, wheelchairs, wigs. Conditions, annual, person and sub limits apply. | |||
| Orthodontic | Other treatments - check with your insurer |
For more details contact our member care team on 1300 886 123 or visit rthealthfund.com.au
https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides
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.
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.
https://rthealthfund.com.au/understanding-your-cover/#HospitalCoverGuides
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.