Pricing for a family in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Top Extras pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $0 | $115.42/month | $230.84/month | $230.84/month | $230.84/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $26.56 | $115.42 | $1,385.04 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $53.12 | $230.84 | $2,770.08 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $53.12 | $230.84 | $2,770.08 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $53.12 | $230.84 | $2,770.08 |
Extras Coverage — Top Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | No limit | $190.00 | 2 months | |
| Major dental | $1,500 | $782.00 | 12 months | |
| Endodontic | – | $192.00 | 12 months | |
| Orthodontic | $1,000 | 100% | 12 months | |
| Optical | $300 | 100% | 2 months | |
| Physiotherapy | $550 | $60.00 | 2 months | |
| Chiropractic | $500 | $49.00 | 2 months | |
| Psychology | $500 | $80.00 | 2 months | |
| Podiatry | $500 | $45.00 | 2 months | |
| Osteopathy | – | $53.00 | 2 months | |
| Acupuncture | $750 | $40.00 | 2 months | |
| Remedial massage | – | $40.00 | 2 months | |
| Dietetics | $500 | $55.00 | 2 months | |
| Speech therapy | $500 | $70.00 | 2 months | |
| Occupational therapy | $500 | $60.00 | 2 months | |
| Exercise physiology | – | $40.00 | 2 months | |
| Hearing aids | $1,200 | $600.00 | 24 months | |
| Orthotics | $250 | 100% | 12 months | |
| Non-PBS pharmaceuticals | $600 | $70.00 | 2 months | |
| Chinese herbal medicine | – | $35.00 | 2 months | |
| Health management | $150 | 100% | 2 months | |
| Home nursing | $700 | $30.00 | 2 months | |
| Antenatal & postnatal | $300 | $30.00 | 2 months | |
| Vaccinations | $150 | $50.00 | 2 months | |
| Glucose monitor | $600 | 80% | 12 months | |
| Audiology | $160 | $80.00 | 2 months | |
| Orthoptics | $500 | $40.00 | 2 months |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
RT Health is a not-for-profit health insurer based in NSW. 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.
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RT Health
Ambulance and Top Extras
- Cover
- Extras
- Available in
- NSW, SA, WA, NT, ACT
- Households
- Single, Couple, Family, Single parent
RT Health
Ambulance and Smart Extras
- Cover
- Extras
- Available in
- NSW, SA, WA, NT, ACT
- Households
- Single, Couple, Single parent
RT Health
Smart Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
RT Health
Ambulance and Value Extras
- Cover
- Extras
- Available in
- NSW, SA, WA, NT, ACT
- Households
- Single, Couple, Family, Single parent
Important Information
This page provides a summary of Top 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 9 September 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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