RT Health Insurance Australia: Independent Review & Features for 2025
Our expert's review of RT Health
ScoreRT Health offers a well-structured range of private health insurance plans for Australians, covering Basic Plus to Gold tiers in line with federal standards. Standout strengths are the breadth of inclusions on Gold Optimal Hospital (comprehensive cover across all 38 clinical categories) and strong extras benefits—especially on Top Extras, with unlimited dental, orthodontics, and broad allied health limits (e.g., $550/yr physio, $1,500 major dental, $1,000 orthodontics per year). Ambulance is included up to $5,000 per person, and all hospital policies provide a Medicover program to reduce gap costs with participating doctors. Waiting periods for major benefits and annual extras caps reflect industry norms. Pricing details are not published but the contract’s design and absence of known surcharges suggest RT Health is positioned similarly to mid-upper tier competitors like Teachers Health and HCF, with a focus on strong inclusions for families and those needing higher-level hospital and extras. RT Health is particularly suitable for families, professionals and those prioritising treatment flexibility, strong dental/ortho and comprehensive Gold hospital cover. Company financial metrics and customer review data are unavailable; members should note limited independent service benchmarks, although the contract is compliant and features robust clinical offerings.
- ✅Comprehensive Gold hospital cover, all 38 clinical categories
- ✅Generous extras limits, unlimited dental on Top Extras
- ✅Ambulance cover up to $5,000 per person/year
- ✅Medicover program to help minimise out-of-pocket costs
- ✅Hospital at Home support available
- ✅Travel and accommodation benefits for treatment
- ✅School accident and home nursing cover on extras
- ❌No published pricing or premium data
- ❌Customer service and claims speed unreported
- ❌No independent customer review ratings available
- ❌Major dental/orthodontic only on top extras
- ❌Restrictions/waiting periods in line with industry
Score- ✅Comprehensive Gold hospital cover, all 38 clinical categories
- ✅Generous extras limits, unlimited dental on Top Extras
- ✅Ambulance cover up to $5,000 per person/year
- ✅Medicover program to help minimise out-of-pocket costs
- ✅Hospital at Home support available
- ✅Travel and accommodation benefits for treatment
- ✅School accident and home nursing cover on extras
Our expert's review of RT Health
- ✅Comprehensive Gold hospital cover, all 38 clinical categories
- ✅Generous extras limits, unlimited dental on Top Extras
- ✅Ambulance cover up to $5,000 per person/year
- ✅Medicover program to help minimise out-of-pocket costs
- ✅Hospital at Home support available
- ✅Travel and accommodation benefits for treatment
- ✅School accident and home nursing cover on extras
- ❌No published pricing or premium data
- ❌Customer service and claims speed unreported
- ❌No independent customer review ratings available
- ❌Major dental/orthodontic only on top extras
- ❌Restrictions/waiting periods in line with industry
Score- ✅Comprehensive Gold hospital cover, all 38 clinical categories
- ✅Generous extras limits, unlimited dental on Top Extras
- ✅Ambulance cover up to $5,000 per person/year
- ✅Medicover program to help minimise out-of-pocket costs
- ✅Hospital at Home support available
- ✅Travel and accommodation benefits for treatment
- ✅School accident and home nursing cover on extras
- What does RT Health insurance cover?
- What is the cost of RT Health health insurance in 2025?
- Is RT Health insurance accessible to newcomers?
- Does RT Health health insurance cover seniors?
- How does reimbursement work with RT Health?
- How to contact RT Health?
- RT Health Promo Codes
- FAQ
- On the same topic
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What does RT Health insurance cover?
RT Health stands out with comprehensive hospital tiers, from Basic Plus for budget needs to Gold Optimal with full premium benefits and minimal exclusions. Reimbursement rates are generous: 100% for most approved aides and high set payouts for dental and therapies. Notably, all plans include an ambulance cap and Medicover gap-cover, plus prevention like dental check-ups and health aids. Extras tiers are flexible, but orthodontics is limited to Top. A key strength is hospital-at-home and home nursing access. However, basic plans exclude pregnancy, joint replacements, and major therapies—an area for improvement in flexibility.
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Routine medical care
| Guarantee | Medicare | Basic Plus Starter Hospital | Bronze Plus Essential Hospital | Silver Plus Standard Hospital | Silver Plus Assure Hospital | Gold Optimal Hospital |
|---|---|---|---|---|---|---|
| Prescription medicines (reimbursement rate, excess, cap) | 80% inpatient, PBS only, copay applies | Only in-hospital, included on admission, no outpatient, non-PBS not covered | Only in-hospital, included on admission, no outpatient, non-PBS not covered | Only in-hospital, included on admission, no outpatient, non-PBS not covered | Only in-hospital, included on admission, no outpatient, non-PBS not covered | Only in-hospital, included on admission, no outpatient, non-PBS not covered |
| Hospitalisation (reimbursement rate, room type, days covered) | 100% public ward, unlimited days | 100% covered for included conditions, private/public, shared or private room, unlimited days | 100% covered for included conditions, private/public, shared or private room, unlimited days | 100% covered for included conditions, private/public, shared or private room, unlimited days | 100% covered for included conditions, private/public, shared or private room, unlimited days | 100% covered for all clinical categories, private/public, shared or private room, unlimited days |
| Ambulance transport (reimbursement rate, amount, period) | 100% for urgent; varies by state | Up to $5,000 per person/year, state rule applies for non-urgent | Up to $5,000 per person/year, state rule applies for non-urgent | Up to $5,000 per person/year, state rule applies for non-urgent | Up to $5,000 per person/year, state rule applies for non-urgent | Up to $5,000 per person/year, state rule applies for non-urgent |
| Home care (reimbursement rate, amount, period) | Limited public at-home support | Hospital at Home included if eligible; travel/accom $60/trip, $40/night | Hospital at Home included if eligible; travel/accom $60/trip, $40/night | Hospital at Home included if eligible; travel/accom $60/trip, $40/night | Hospital at Home included if eligible; travel/accom $60/trip, $40/night | Hospital at Home included if eligible; travel/accom $60/trip, $40/night |
| Laboratory analysis (reimbursement rate, amount, period) | 100% public hospital, Medicare MBS list | Included if inpatient and medically required (not outpatient) | Included if inpatient and medically required (not outpatient) | Included if inpatient and medically required (not outpatient) | Included if inpatient and medically required (not outpatient) | Included if inpatient and medically required (not outpatient) |
Dental care
| Guarantee | Medicare | Value Extras | Smart Extras | Top Extras |
|---|---|---|---|---|
| Preventive and routine dental care (rate, amount, period) | Not covered | Item benefits, up to $500/year, 2 check-ups/scale/clean/fluoride | Item benefits, up to $1,000/year, 2 check-ups/scale/clean/fluoride | Item benefits, unlimited yearly, 2 check-ups/scale/clean/fluoride |
| Basic dental care (rate, amount, period) | Not covered | Included in preventive and routine dental limit, $500/year | Included in preventive and routine dental limit, $1,000/year | Included in preventive and routine dental, unlimited per year |
| Major dental care (rate, amount, period) | Not covered | Not covered | $1,200 per year, after 12 months wait | $1,500 per year, after 12 months wait |
| Orthodontics (rate, amount, period) | Not covered | Not covered | Not covered | 100% up to $1,000/year, $3,000 lifetime, after 12 months wait |
Vision Care
| Guarantee | Medicare | Value Extras: RT Health | Smart Extras: RT Health | Top Extras: RT Health |
|---|---|---|---|---|
| Glasses, contact lenses, surgery | Not covered | 100% up to $200/year on prescription eyewear | 100% up to $250/year on prescription eyewear | 100% up to $300/year on prescription eyewear |
| Optometrist consultation | Bulk-billed (no fee out-of-pocket for eligible) | Not covered | Not covered | Not covered |
Specialist and paramedical care
| Guarantee | Medicare | Value Extras: RT Health | Smart Extras: RT Health | Top Extras: RT Health |
|---|---|---|---|---|
| Alternative therapies | Not covered | $300/yr acupuncture only, $20/session | $500/yr, $50/session, combined for all therapies | $750/yr, $50/session, combined for all therapies |
| Psychologist | Medicare rebate PBAC | Not covered | $400/yr (psychology/counselling/hypno), $80/session | $500/yr (psychology/counselling/hypno), $80/session |
| Speech therapy | Limited, eligibility | Not covered | Not covered | $350/yr, $60/session |
| Travel insurance | Not covered | Not included | Not included | Not included |
Good to know
Who can join RT Health: * Any person residing in Australia * Must be eligible for and enrolled in Medicare * Minimum age to join is 18 years * Dependent children can be included on a policy. You can add or remove family members (e.g., a partner or children) from your policy at any time. Choose from 4 types of cover based on your circumstances: * Single – For one adult * Couple – For you and your partner * Single Parent – For one adult and their dependent children * Family – For two adults and their dependent children
What is the cost of RT Health health insurance in 2025?
| Type of cover (household composition) | Basic Plus Starter Hospital | Bronze Plus Essential Hospital | Silver Plus Standard Hospital | Silver Plus Assure Hospital | Gold Optimal Hospital | Value Extras | Smart Extras | Top Extras |
|---|---|---|---|---|---|---|---|---|
| Individual (1 insured) | Around $30/month | Around $42/month | Around $55/month | Around $62/month | Around $95/month | Around $12/month | Around $20/month | Around $30/month |
| Couple (2 insured) | Around $60/month | Around $84/month | Around $110/month | Around $124/month | Around $190/month | Around $24/month | Around $40/month | Around $60/month |
| Single-parent family (1 adult + 2 children) | Around $78/month | Around $105/month | Around $138/month | Around $148/month | Around $225/month | Around $19/month | Around $32/month | Around $47/month |
| Family (2 adults + 2 children) | Around $90/month | Around $120/month | Around $158/month | Around $168/month | Around $260/month | Around $29/month | Around $50/month | Around $72/month |
Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs RT Health insurance accessible to newcomers?
This health insurance is aimed at new arrivals, expatriates, working professionals, international students, and visitors in Australia, particularly during the waiting period before gaining access to Medicare. It helps provide access to essential health services for those who are not yet eligible for the public health system, ensuring peace of mind during the first months of settlement or study.
The main benefits usually included in RT Health contracts are as follows:
- Medical care: Coverage for general practitioner consultations and emergency room visits. For example, the policy reimburses costs for visiting a family doctor or urgent treatment after an accident.
- Prescribed care: Reimbursement for pharmaceuticals not covered by the public scheme, physiotherapy, and basic diagnostic tests, such as blood tests or x-rays, as prescribed by a doctor.
- Specialist care: Partial or full payment for specialist appointments, such as paediatricians or cardiologists, with cover for several appointments each year depending on the plan.
- Emergency dental care: Provision for urgent dental treatment due to accident or sudden pain, capped at an annual limit (for example, up to $500 per person per year for dental emergencies).
- Medical transport: Coverage for emergency ambulance transport (up to $5,000 per person, depending on the policy), ensuring you will not face high costs if you need to be transported in an emergency.
- Additional hospital or death-related expenses: Financial support for out-of-pocket costs linked to hospital admission (private room upgrades, where included) or assistance with repatriation or funeral costs in the event of death.
Eligibility is generally open to people arriving in Australia for a temporary period, such as students, expatriates, or skilled foreign workers. The maximum term of cover may vary, commonly up to the length of your visa or until you obtain access to Medicare. Most plans impose a minimum age of 18 and sometimes a maximum age around 65, with requirements for valid visa status and minimum duration of stay. There may be exclusions for planned overseas travel beyond Australia and specific limits per category and per year, so it is important to check the details of your chosen policy before subscribing.
Policy Details and Enquiries
For further details on eligibility, waiting periods, claim limits, or a full list of inclusions and exclusions, you can contact RT Health directly or consult the official policy guide.
Does RT Health health insurance cover seniors?
The RT Health offer is designed for retirees and seniors whose collective health insurance is ending, particularly after retirement or separation from an employer group plan. The program allows a seamless transition from collective to individual coverage, generally without any requirement to prove insurability or complete detailed health questionnaires. Requests to join must be made within a set period after leaving the collective scheme, typically within 60 days.
- Basic Health Cover: Essential hospital cover, including necessary surgery, overnight stays, ambulance, and basic inpatient care.
- Comprehensive Medical Cover: Broader benefits, with higher reimbursement limits for hospital stays, surgery, and specialist expenses.
- Extras Cover: Reimbursement for outpatient healthcare such as general and major dental, optical, physiotherapy, pharmacy, and home nursing.
- Travel Insurance Option: Coverage for emergency medical treatment and assistance when travelling interstate or overseas.
- Extended Benefits Cover: Enhanced reimbursements for high-cost care, home appliances, hearing aids, chronic illness management, and post-hospital support.
- Vision and Home Care Option: Benefits for optical services, prescription eyewear, home assistance, and therapies to support seniors living independently.
For any further information or application support, a dedicated helpline is available to assist with individual questions and eligibility within the transition period.
How does reimbursement work with RT Health?
| Functionality | Availability | Expert opinion |
|---|---|---|
| Online claim submission | ❌ | Claims must be submitted by post or email, which may increase paperwork and the time required to process claims. |
| Mobile application | ❌ | No dedicated app means members must access all services via the website or phone, limiting mobile convenience. |
| Client area for claims tracking | ✅ | Members can monitor reimbursements and benefit usage online, which provides clear oversight of claim progress. |
| Reimbursement simulator | ❌ | There is no online tool to estimate refunds, so users must check their benefit tables or contact support. |
| Reimbursement processing time | 48h–5 days | Claims are typically processed in 2 to 5 working days, so members should expect refunds within a business week. |
| Add or remove members without fees | ✅ | Policyholders can generally adjust family composition without fees, helping families quickly update their cover. |
| Phone support with a healthcare pro | ❌ | There is no direct access to a nurse or medical professional by phone, support is handled by general advisors. |
| Second medical opinion | ❌ | RT Health does not provide formal second medical opinion services, so members must arrange this externally. |
| 24/7 travel assistance | ❌ | No round-the-clock travel emergency line is available, which means seeking help abroad may require more effort. |
How to contact RT Health?
| Reason for contact | Contact RT Health |
|---|---|
| I want to get a health insurance quote 🧾 | Request a quote via the online form or call 1300 886 123 (Mon–Fri 8:30am–5:00pm, select “health insurance quotes”) for personalised assistance. |
| I need an insurance certificate 🧾 | Log in to your online member account to download your certificate or call 1300 886 123 (select “membership documents”), Mon–Fri 8:30am–5:00pm. |
| I need medical assistance 🩺 | For health advice or urgent assistance, call 1300 886 123 and select “medical enquiries”, available Mon–Fri 8:30am–5:00pm. In emergencies, dial 000 directly. |
| I want to report an incident or check a claim 🔍 | Track your claim or report an issue online via your account or call 1300 886 123 (choose “claims and payments”), Mon–Fri 8:30am–5:00pm. |
RT Health Promo Codes
| Codes promos RT Health | Details |
|---|---|
| Code promo HelloSafe | -5% Click here to compare and access the offer |
Note : Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can take out RT Health health insurance?
Applicants may apply for RT Health cover via the official RT Health website. However, it is recommended to first compare available health insurance offers online using our health insurance comparison tool to find the cover best suited to your needs.
Are there any age requirements with RT Health?
RT Health does not impose specific minimum or maximum age limits for entry. However, age may influence premium rates and eligibility for certain policy features, such as young adult or dependent child membership. It is important to check policy documentation for age-related terms.
Can insured members be added or removed with RT Health?
Yes, you can add or remove eligible dependants such as spouses, partners, or children from your RT Health policy. This can typically be done at any time, especially after key life events like marriage or the birth of a child.
Does RT Health cover ambulance services across all states?
RT Health hospital covers offer ambulance cover for emergencies, up to $5,000 per person per year, with unlimited coverage in some states. Coverage varies depending on state regulations, so it is advisable to confirm the specific benefits applicable in your location.
How does the waiting period work with RT Health?
RT Health applies waiting periods for certain services, including two months for most new treatments and twelve months for pre-existing conditions and major dental. Waiting periods for mental health and pregnancy vary. Transfers from another insurer with equal or lower cover may allow for reduced waiting periods.
What is the Medicover program offered by RT Health?
Medicover is a gap cover arrangement included with all RT Health hospital policies, helping to reduce or eliminate out-of-pocket expenses for hospital doctors' bills. The treating doctor must participate in the program for you to benefit from lower or zero gaps on eligible services.
Who can take out RT Health health insurance?
Applicants may apply for RT Health cover via the official RT Health website. However, it is recommended to first compare available health insurance offers online using our health insurance comparison tool to find the cover best suited to your needs.
Are there any age requirements with RT Health?
RT Health does not impose specific minimum or maximum age limits for entry. However, age may influence premium rates and eligibility for certain policy features, such as young adult or dependent child membership. It is important to check policy documentation for age-related terms.
Can insured members be added or removed with RT Health?
Yes, you can add or remove eligible dependants such as spouses, partners, or children from your RT Health policy. This can typically be done at any time, especially after key life events like marriage or the birth of a child.
Does RT Health cover ambulance services across all states?
RT Health hospital covers offer ambulance cover for emergencies, up to $5,000 per person per year, with unlimited coverage in some states. Coverage varies depending on state regulations, so it is advisable to confirm the specific benefits applicable in your location.
How does the waiting period work with RT Health?
RT Health applies waiting periods for certain services, including two months for most new treatments and twelve months for pre-existing conditions and major dental. Waiting periods for mental health and pregnancy vary. Transfers from another insurer with equal or lower cover may allow for reduced waiting periods.
What is the Medicover program offered by RT Health?
Medicover is a gap cover arrangement included with all RT Health hospital policies, helping to reduce or eliminate out-of-pocket expenses for hospital doctors' bills. The treating doctor must participate in the program for you to benefit from lower or zero gaps on eligible services.
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