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Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.
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RT Health Health Insurance Review 2025

Compare 124 RT Health Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

RT Health Health Insurance - Quick Facts

Policies124
Hospital From$51.17/mo
Customer reviews
3 stars/ 29 reviews

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with RT Health Health.

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See all 124 RT Health Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with RT Health Health.

Explore RT Health Health Policies

RT Health Health offers 124 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

22 policies covering private hospital treatment, from $51.17* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

22 policies available
From:$51.17/mo*
*For Single
View Policies

Extras Cover

36 policies covering general treatment (dental, optical, physio, etc.), from $37.14* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.

36 policies available
From:$37.14/mo*
*For Single
View Policies

Combined Cover

66 policies bundling both hospital and extras coverage, from $88.32* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.

66 policies available
From:$88.32/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Gold Optimal Hospital and Value Extras
Combined
Gold
$331.58
Silver Plus Standard Hospital and Value Extras
Combined
Silver+
$113.79
Bronze Plus Essential Hospital and Value Extras
Combined
Bronze+
$138.54
Basic Plus Starter Hospital and Value Extras
Combined
Basic+
$88.32
Gold Optimal Hospital
Hospital
Gold
$294.43
-
Silver Plus Standard Hospital
Hospital
Silver+
$76.64
-
Bronze Plus Essential Hospital
Hospital
Bronze+
$101.39
-
Basic Plus Starter Hospital
Hospital
Basic+
$51.17
-
Value Extras
Extras
-
$37.14
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with RT Health Health directly. Update profile settings ↑

RT Health Health Pricing Overview

Based on PrivateHealth.gov.au data (last updated 7 April 2026), RT Health Health's policies for Single cover start from:

Hospital Only

From:$51.17/mo*

Extras Only

From:$37.14/mo*

Combined

From:$88.32/mo*

*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from RT Health Health before making decisions. Update your profile ↑

Customer Reviews

Google Reviews
3out of 5
Based on 29 reviewsReviews sourced from Google Reviews (April 2026).

What RT Health Specialises In

Find policies suited to your situation. Prices are indicative only.

Hospital Coverage
Gold
Comprehensive — all clinical categories
Extras Coverage
Dental General
Optical
Non P B S
Physiotherapy
Chiropractic
Acupuncture
Remedial Massage
Glucose Monitor

All prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Compare RT Health Health to Competitors

How RT Health compares to other Australian health insurers based on pricing, service record, and product range.

PricingCompare RT Health's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeRT Health offers 124 policies — compare the breadth of coverage options available.
Market PositionRT Health holds < 0.5% market share among Australian health insurers.
RT HealthRT Health
MedibankMedibank
BupaBupa
Policies
124
748
745
Rating
3/5
2.6/5
3.5/5
Hospital From*
$51.17/mo
$55.25/mo
$60.65/mo
Type
For-profit
For-profit
For-profit
Service
⚪ N/A
🟠 Average
🟢 Good

*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑

Contact & Support

PhoneGeneral: 1300 886 123Claims: 1300 886 123Mon-Fri 8am-6pm AEST
Emailhelp@rthealth.com.au
Onlinehttp://www.rthealth.com.au
MailHCF House 403 George StreetSydneyNSW2010

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 7 April 2026 and may change. Always verify current information with official sources.

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