RT Health insurance

Is it a good health insurer?

RT Health has 5 hospital and 9 extras policies in our comparison, from $91.19 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by The Hospitals Contribution Fund of Australia Ltd. Hospital, extras or both.

Explore 5 hospital and 9 extras products, or find cover by treatment. Sources for RT Health

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 14 September 2026

I need cover for…

Compare cover across all Australian health funds.

RT Health cover: the main choices.

For eye treatment other than cataracts

Basic Plus Starter Hospital covers eye treatment other than cataracts. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

If you claim major dental every year

Smart Extras has a $1,200 major dental limit. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

Before you pay for Silver Plus

Silver Plus Standard Hospital adds back, neck and spine treatment and other categories compared with Basic Plus Starter Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

RT Health policies and example prices.

The profile you choose updates the RT Health price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need an RT Health price for your circumstances? Compare RT Health with cover across all Australian health funds.

Compare my options

Hospital cover

5 product lines

RT Health hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic Plus Starter HospitalBasic Plus Starter Hospital	$91.19/month	Policy details: Basic Plus Starter Hospital
Bronze Plus	Bronze Plus Essential HospitalBronze Plus Essential Hospital	$118.24/monthat $350 excess	Policy details: Bronze Plus Essential Hospital
Silver Plus	Silver Plus Standard HospitalSilver Plus Standard Hospital	$141.38/month	Policy details: Silver Plus Standard Hospital
Silver Plus	Silver Plus Assure HospitalSilver Plus Assure Hospital	$189.42/month	Policy details: Silver Plus Assure Hospital
Gold	Gold Optimal HospitalGold Optimal Hospital	$415.95/monthat $750 excess	Policy details: Gold Optimal Hospital

$50.19 more per month for Silver Plus Standard Hospital versus Basic Plus Starter Hospital after rebate for the selected example profile.

Back, neck and spine is an additional inclusion, not the complete list of differences.

Extras cover

6 of 9 product lines

RT Health extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Value ExtrasValue Extras	$29.73/month	Policy details: Value Extras
Ambulance and Value ExtrasAmbulance and Value Extras	$33.87/month	Policy details: Ambulance and Value Extras
Smart ExtrasSmart Extras	$63.06/month	Policy details: Smart Extras
Ambulance and Smart ExtrasAmbulance and Smart Extras	$67.19/month	Policy details: Ambulance and Smart Extras
Top ExtrasTop Extras	$87.58/month	Policy details: Top Extras
Ambulance and Top ExtrasAmbulance and Top Extras	$91.72/month	Policy details: Ambulance and Top Extras

Not sold in NSW: Ambulance Victoria Retail and Smart Extras, Ambulance Victoria Retail and Top Extras, Ambulance Victoria Retail and Value Extras.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show RT Health Silver Plus Standard Hospital comparisons. All policy links remain available.

All RT Health policy pages

What does RT Health hospital insurance cover?

Choose a treatment

2 RT Health hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus Assure HospitalSilver Plus Assure Hospital	$189.42/month	Check policy details: Silver Plus Assure Hospital
Gold	Gold Optimal HospitalGold Optimal Hospital	$415.95/monthat $750 excess	Check policy details: Gold Optimal Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 5 hospital policies

Selected RT Health treatment categories.

Treatment	Basic Plus Starter HospitalBasic Plus	Bronze Plus Essential HospitalBronze Plus	Silver Plus Standard HospitalSilver Plus	Silver Plus Assure HospitalSilver Plus	Gold Optimal HospitalGold
Cataracts	Not included	Not included	Not included	Included	Included
Joint replacements	Not included	Not included	Not included	Included	Included
Heart and vascular system	Not included	Not included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Included
Eye (not cataracts)	Included	Included	Included	Included	Included
Male reproductive system	Included	Included	Included	Included	Included
Back, neck and spine	Not included	Not included	Included	Included	Included
Blood	Not included	Included	Included	Included	Included
Bone, joint and muscle	Not included	Included	Included	Included	Included
Brain and nervous system	Not included	Included	Included	Included	Included
Breast surgery (medically necessary)	Not included	Included	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Not included	Included	Included	Included	Included
Diabetes management (excluding insulin pumps)	Not included	Included	Included	Included	Included
Digestive system	Not included	Included	Included	Included	Included
Ear, nose and throat	Not included	Included	Included	Included	Included
Implantation of hearing devices	Not included	Included	Included	Included	Included
Kidney and bladder	Not included	Included	Included	Included	Included
Lung and chest	Not included	Included	Included	Included	Included
Pain management	Not included	Included	Included	Included	Included
Pain management with a device	Not included	Included	Included	Included	Included
Palliative care	Restricted	Included	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Not included	Included	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Not included	Included	Included	Included	Included
Rehabilitation	Restricted	Restricted	Included	Included	Included
Skin	Not included	Included	Included	Included	Included
Sleep studies	Not included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

RT Health extras limits per 12 months unless the statement says otherwise

Selected benefit	Value Extras	Ambulance and Value Extras	Smart Extras	Ambulance and Smart Extras	Top Extras	Ambulance and Top Extras
Optical / physio benefit examples	Optical: 100% of eligible charge. Physio: $40.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $40.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $50.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $50.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $60.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $60.00 set benefit for an initial visit
Optical limit	$200.00	$200.00	$250.00	$250.00	$300.00	$300.00
Physiotherapy limit	$350.00Separate physio limit	$350.00Separate physio limit	$450.00Separate physio limit	$450.00Separate physio limit	$550.00Separate physio limit	$550.00Separate physio limit
Major dental + endodontic limit	Not included	Not included	$1,200.00	$1,200.00	$1,500.00	$1,500.00
Psychology included?	No	No	Yes	Yes	Yes	Yes
Optical waiting period	2 months	2 months	2 months	2 months	2 months	2 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Value Extras → Ambulance and Top Extras

The optical limits move from $200 to $300 for the Single-policy examples. Ambulance and Top Extras raises the physio limit from $350 to $550 and adds psychology.

Ambulance and Top Extras: higher benefit examples

The optical examples stay at 100%, with a $300 optical limit and $550 physio limit for the Single-policy example.Compare these benefits with the premium.

Why RT Health's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 2 months.

How shared limits work

RT Health vs. Bupa vs. nib

How RT Health compares with similar hospital policies.

These are selected Silver Plus examples from Bupa and nib, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing RT Health Silver Plus Standard Hospital with Bupa Silver Plus Essential Hospital and nib Silver Secure Hospital Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

RT Health and selected alternatives: monthly prices and verified coverage differences.

Compare	RT HealthSilver Plus Standard HospitalReference policy	Bupa Silver Plus Essential Hospital$0.16 less a month than RT Health	nib Silver Secure Hospital Plus$2.61 more a month than RT Health
Monthly premium after rebate	$141.38/month	$141.22/month (lowest price in this row)	$143.99/month
Pain management with a device	Included (best cover in this row)	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View RT Health Silver Plus Standard Hospital	View Bupa Silver Plus Essential Hospital	View nib Silver Secure Hospital Plus

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Pain management with a device: included with RT Health; not included with Bupa and nib.

These alternatives match RT Health Silver Plus Standard Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

RT Health and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	RT HealthSilver Plus Standard Hospital	Bupa Silver Plus Essential Hospital	nib Silver Secure Hospital Plus
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare RT Health with cover from every Australian health fund.

Compare all funds

RT Health against the industry.

These figures describe The Hospitals Contribution Fund of Australia Ltd, which issues RT Health cover, not RT Health customers alone.

HCF members had no gap on 85.4% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HCF paid 49.6% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HCF increased premiums by an average of 4.96% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

3 / 5

31 Google reviews

Voluntary customer reviews · RT Health

Snapshot: 23 October 2026. This is RT Health's listing, not a representative survey. This small sample may not reflect the experience of most members.

Read RT Health reviews at the source

Complaint share is close to market share, but investigated complaints are higher

Share of all complaints, 2024-2512.1%

Market share, 30 June 202512.8%

0%15%

State of the Health Funds Report 2024-25 · checked 26 October 2026

HCF's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 21.8%, above its market share.

Latest quarter, January to March 2026. The Ombudsman referred 79 complaints about The Hospitals Contribution Fund of Australia Ltd to it to resolve, 11.9% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that RT Health recognises your provider. Ask for a treatment plan and item numbers so RT Health can estimate your benefits and out-of-pocket costs.
RT Health provider search
Make or track a claim
Use RT Health's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.
Official website

Contact RT Health

For enquiries, call 1300 886 123.Contact details checked 6 October 2026.Official contact details and messaging options

Before you choose RT Health.

What is the cheapest RT Health hospital policy?

Basic Plus Starter Hospital is the cheapest RT Health hospital policy for a single person in NSW with a $500 hospital excess, at $91.19 a month after the 24.118% government rebate for adults under 65 (prices effective 14 September 2026). This compares all 5 RT Health hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Silver Plus Standard Hospital to Silver Plus Assure Hospital?

RT Health Silver Plus Assure Hospital adds cover for insulin pumps, dialysis for chronic kidney failure and 2 more categories compared with Silver Plus Standard Hospital. For the Single / NSW / $500 excess example it costs $48.04 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for RT Health.

Policy information retrieved 26 October 2026. Prices effective 14 September 2026.

Private Health Information Statements · RT Health · checked 26 October 2026
State of the Health Funds Report 2024-25 · HCF · checked 26 October 2026
Government insurer profile · HCF · checked 22 October 2026
Government premium-increase figures · HCF · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · RT Health · checked 23 October 2026
Official contact details · RT Health · checked 6 October 2026

How we compare health insurers

Compare RT Health policies Sources for RT Health Back to top

All policies by cover type

Hospital (6)

Extras (10)

Hospital and extras (18)

Show 6 more

Ambulance (2)

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