Pricing for a single in NSW, under 65
Premium calculated for current profile with rebate applied.
Extras Coverage — Top Level
Annual limits and benefit percentages shown below.
| Service | Annual limit | Benefit % | Waiting period | Details |
|---|---|---|---|---|
| General dental | $1,000 | $171.00 | 2 months | |
| Major dental | $1,200 | $660.00 | 12 months | |
| Endodontic | – | $174.00 | 12 months | |
| Optical | $250 | 100% | 2 months | |
| Physiotherapy | $450 | $50.00 | 2 months | |
| Chiropractic | $400 | $43.00 | 2 months | |
| Psychology | $400 | $70.00 | 2 months | |
| Podiatry | $400 | $40.00 | 2 months | |
| Osteopathy | – | $47.00 | 2 months | |
| Acupuncture | $500 | $33.00 | 2 months | |
| Remedial massage | – | $35.00 | 2 months | |
| Dietetics | $400 | $45.00 | 2 months | |
| Speech therapy | $400 | $55.00 | 2 months | |
| Occupational therapy | $400 | $50.00 | 2 months | |
| Exercise physiology | – | $30.00 | 2 months | |
| Hearing aids | $900 | $450.00 | 24 months | |
| Orthotics | $200 | 100% | 12 months | |
| Non-PBS pharmaceuticals | $500 | $60.00 | 2 months | |
| Chinese herbal medicine | – | $25.00 | 2 months | |
| Health management | $150 | 100% | 2 months | |
| Home nursing | $450 | $20.00 | 2 months | |
| Antenatal & postnatal | $200 | $20.00 | 2 months | |
| Vaccinations | $150 | $50.00 | 2 months | |
| Glucose monitor | $480 | 80% | 12 months | |
| Audiology | $120 | $60.00 | 2 months | |
| Orthoptics | $400 | $35.00 | 2 months |
Policy Features
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About Insurer
RT Health is a not-for-profit Australian health insurer. They offer 124 policies across hospital, extras, and combined cover.
RT Health is a not-for-profit health fund and part of HCF, with a history spanning more than 135 years. It offers hospital, extras and combined cover, and has long served workers in the transport and energy sectors.
View all insurer policiesImportant Information
This page provides a summary of Ambulance Victoria Retail and Smart Extras by RT Health based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from RT Health
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 26 July 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by RT Health.
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No registration · No paywall · Last updated 26 July 2026 · Data compiled and powered by Convincely
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