Reserve Bank Health Society
5 open policies in the October 2026 data. Membership is restricted.
Registered as Reserve Bank Health Society Ltd.
Who can join, as the fund puts it: Current & former employees of the Reserve Bank.
This insurer is a mutual organisation that operates on a not-for-profit basis.
myrbhs.com.au, phone 1800 027 299
- Hospital
- 2
- Hospital and extras
- 2
- Extras
- 1
- Closed to new members
- 0
How its premiums compare in NSW & ACT
Reserve Bank Health Society's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BronzeHospital only$130.4110th cheapest of 29
- GoldHospital only$304.2717th cheapest of 24
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Plus Hospital, at $130.41 a month before the rebate with a $750 excess: 10th cheapest of 29 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Gold Hospital, at $304.27 a month before the rebate with no excess: 17th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$130.41 to $304.27
- VIC$130.41 to $304.27
- QLD$130.41 to $304.27
- SA$130.41 to $304.27
- WA$130.41 to $304.27
- TAS$130.41 to $304.27
- NT$130.41 to $304.27
- NSW & ACT$325.44 to $466.64
- VIC$325.44 to $466.64
- QLD$325.44 to $466.64
- SA$325.44 to $466.64
- WA$325.44 to $466.64
- TAS$325.44 to $466.64
- NT$325.44 to $466.64
- NSW & ACT$233.30
- VIC$233.30
- QLD$233.30
- SA$233.30
- WA$233.30
- TAS$233.30
- NT$233.30
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| VIC | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| QLD | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| SA | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| WA | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| TAS | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
| NT | $130.41 to $304.27 | $325.44 to $466.64 | $233.30 |
What Reserve Bank Health Society covers, and what it pays back
Hospital
Its four hospital policies come with no excess or one of $500 or $750. Two of the four offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All four cover emergency and non-emergency ambulance trips.
Extras
Reserve Bank Health Society has three policies with extras, covering 25 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $50.00typical policy $35.20
- $100.00typical policy $66.85
- $1,360.00typical policy $773.80
- $370.00typical policy $220.00
- $105.00typical policy $42.00
- $190.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$1,200typical policy $1,000
- Optical$460typical policy $220
- Physiotherapy$1,000typical policy $450
- Chiropractic$920typical policy $400
- Psychology$920typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 2
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Bronze Plus Hospital | Bronze Plus | $130.41All states | All | $500, $750 |
| Gold Hospital | Gold | $304.27All states | All | $0 |
Hospital and extras policies 2
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Bronze Plus Hospital and Premium Extras | Bronze Plus | $325.44All states | All | $500, $750 |
| Gold Hospital and Premium Extras Cover | Gold | $466.64All states | All | $0 |
Extras policies 1
| Policy | From | Sold in | Services |
|---|---|---|---|
| Premium Extras | $233.30All states | All | 25 |
Reserve Bank Health Society has no policies closed to new members in this extract. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Reserve Bank Health Society
- Who can join Reserve Bank Health Society?
- It's a restricted fund. Who can join, as Reserve Bank Health Society puts it: Current & former employees of the Reserve Bank. Reserve Bank Health Society sells 5 policies to new members (2 hospital-only, 2 combined and 1 extras-only), going by the October 2026 data.
- How much does Reserve Bank Health Society pay for a dental check-up?
- Up to $50.00 for a check-up (dental item 012) on its Bronze Plus Hospital and Premium Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.