Health Insurance

Gold Optimal Hospital and Top Extras

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

RT Health logo

RT Health

Gold Optimal Hospital and Top Extras

$734.87

Pregnancy and birth covered

Joint replacements covered

100% back on orthodontics

100% back on optical lenses

Emergency ambulance covered

Excess

Why this cover

Member guide

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Cataracts
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$734.87
Excess
$750
Hospital tier
Gold

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Get 6 weeks free

Join by 8 April 2026 and stay with RT Health for 90 days on eligible combined hospital and extras cover to get 6 weeks free, plus 2-month waiting periods waived on Extras.

Ending 8 Apr 2026

Hospital Cover

38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

27 covered0 not covered
Endodontic
$1,500/person1 yr
Root Canal Therapy: $192
General Dental
Unlimited2 mo
Periodic Exam: $35Scale & Clean: $72Fluoride: $44Extraction: $190
Major Dental
$1,500/person1 yr
Full Crown (Veneered): $782
Orthodontic
$1,000/person1 yr
Braces (Upper & Lower): 100% back
Optical
$300/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$500/person2 mo
1st visit: $40Next visit: $35
Acupuncture
$750/person2 mo
1st visit: $40Next visit: $35
Chinese Herbal Medicine
$750/person2 mo
1st visit: $35Next visit: $30
Chiropractic
$500/person2 mo
1st visit: $49Next visit: $39
Exercise Physiology
$750/person2 mo
1st visit: $40Next visit: $35
Occupational Therapy
$500/person2 mo
1st visit: $60Next visit: $53
Osteopathy
$500/person2 mo
1st visit: $53Next visit: $40
Physiotherapy
$550/person2 mo
1st visit: $60Next visit: $54
Psychology
$500/person2 mo
1st visit: $80Next visit: $60
Remedial Massage
$750/person2 mo
1st visit: $40Next visit: $40
Speech Therapy
$500/person2 mo
1st visit: $70Next visit: $60
Antenatal/Postnatal
$300/person2 mo
1st visit: $30Next visit: $30
Audiology
$160/person2 mo
1st visit: $80Next visit: $80
Dietetics
$500/person2 mo
1st visit: $55Next visit: $55
Hearing Aids
$1,200/person24 mo
Hearing Aid: $600
Home Nursing
$700/person2 mo
1st visit: $30Next visit: $30
Orthotics
$250/person1 yr
Orthotics: 100% back
Podiatry
$500/person2 mo
1st visit: $45Next visit: $40
Glucose Monitor
$600/person1 yr
Glucose Monitor: 80% back
Health Management
$150/person2 mo
Health Management: 100% back
Non-PBS Pharmaceuticals
$600/person2 mo
Prescription: $70
Vaccinations
$150/person2 mo
Vaccination: $50
RT Health logo

RT Health

Gold Optimal Hospital and Top Extras

$734.87

Pregnancy and birth covered

Joint replacements covered

100% back on orthodontics

100% back on optical lenses

Emergency ambulance covered

Excess

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