RT Health
31 open policies in the October 2026 data. Anyone can join.
Registered as RT Health - a division of The Hospitals Contribution Fund.
This insurer is a mutual organisation that operates on a not-for-profit basis.
rthealth.com.au, phone 1300 886 123
- Hospital
- 5
- Hospital and extras
- 15
- Extras
- 11
- Closed to new members
- 91
How its premiums compare in NSW & ACT
RT Health's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$113.2310th cheapest of 20
- BronzeHospital only$145.8817th cheapest of 21
- SilverHospital only$168.569th cheapest of 21
- GoldHospital and extras$587.334th cheapest of 7
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Plus Starter Hospital, at $113.23 a month before the rebate with a $750 excess: 10th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Plus Essential Hospital, at $145.88 a month before the rebate with a $700 excess: 17th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Standard Hospital, at $168.56 a month before the rebate with a $750 excess: 9th cheapest of 21 insurers. See every insurer
- Gold. Its cheapest single Gold hospital and extras policy in NSW & ACT is Gold Optimal Hospital and Value Extras, at $587.33 a month before the rebate with a $750 excess: 4th cheapest of 7 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$113.23 to $548.15
- VIC$112.95 to $600.23
- QLD$121.33 to $582.70
- SA$111.74 to $494.25
- WA$86.70 to $475.20
- TAS$117.33 to $530.61
- NT$51.17 to $294.43
- NSW & ACT$152.41 to $663.57
- VIC$152.35 to $717.91
- QLD$159.61 to $694.22
- SA$150.34 to $607.09
- WA$125.51 to $581.73
- TAS$154.47 to $642.40
- NT$88.32 to $396.88
- NSW & ACT$5.45 to $120.87
- VIC$9.33 to $127.01
- QLD$38.28 to $111.52
- SA$38.60 to $117.73
- WA$38.81 to $111.10
- TAS$37.14 to $111.79
- NT$37.15 to $107.02
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $113.23 to $548.15 | $152.41 to $663.57 | $5.45 to $120.87 |
| VIC | $112.95 to $600.23 | $152.35 to $717.91 | $9.33 to $127.01 |
| QLD | $121.33 to $582.70 | $159.61 to $694.22 | $38.28 to $111.52 |
| SA | $111.74 to $494.25 | $150.34 to $607.09 | $38.60 to $117.73 |
| WA | $86.70 to $475.20 | $125.51 to $581.73 | $38.81 to $111.10 |
| TAS | $117.33 to $530.61 | $154.47 to $642.40 | $37.14 to $111.79 |
| NT | $51.17 to $294.43 | $88.32 to $396.88 | $37.15 to $107.02 |
What RT Health covers, and what it pays back
Hospital
Its 20 hospital policies come with a choice of $250, $350, $500, $700 or $750 excess. Eight of the 20 drop the excess for children on the policy, and one of the 20 if you're admitted after an accident. RT Health doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
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 20 cover emergency ambulance trips only.
Extras
RT Health has 24 policies with extras, covering anywhere from 13 to 27 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
- $35.00typical policy $35.20
- $72.00typical policy $66.85
- $782.00typical policy $773.80
- $60.00typical policy $42.00
- $80.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$1,500typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$550typical policy $450
- Chiropractic$500typical policy $400
- Psychology$500typical 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 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Starter Hospital | Basic Plus | $51.17NT | All | $500, $750 |
| Bronze Plus Essential Hospital | Bronze Plus | $101.39NT | All | $350, $700 |
| Silver Plus Standard Hospital | Silver Plus | $76.64NT | All | $250, $500, $750 |
| Silver Plus Assure Hospital | Silver Plus | $135.57NT | All | $500, $750 |
| Gold Optimal HospitalOnly sold with particular other policies | Gold | $294.43NT | All | $750 |
Hospital and extras policies 15
Extras policies 11
| Policy | From | Sold in | Services |
|---|---|---|---|
| Ambulance Cover | $5.45NSW & ACT | NSW & ACT | Ambulance only |
| Ambulance Victoria Retail | $9.33VIC | VIC | Ambulance only |
| Value Extras | $37.14TAS | All | 13 |
| Ambulance and Value Extras | $41.72NT | NSW & ACT, SA, WA, NT | 13 |
| Ambulance Victoria Retail and Value Extras | $48.73VIC | VIC | 13 |
| Smart Extras | $78.80WA | All | 26 |
| Ambulance and Smart Extras | $83.37WA | NSW & ACT, SA, WA, NT | 26 |
| Ambulance Victoria Retail and Smart Extras | $92.76VIC | VIC | 26 |
| Top Extras | $102.45NT | All | 27 |
| Ambulance and Top Extras | $107.02NT | NSW & ACT, SA, WA, NT | 27 |
| Ambulance Victoria Retail and Top Extras | $127.01VIC | VIC | 27 |
RT Health also has 91 older policies (2,661 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. 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 RT Health
- Who can join RT Health?
- Anyone can join. RT Health sells 31 policies to new members (5 hospital-only, 15 combined and 11 extras-only), going by the October 2026 data.
- How much is RT Health hospital cover?
- Its cheapest hospital policy for a single is $51.17 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does RT Health pay for a dental check-up?
- Up to $35.00 for a check-up (dental item 012) on its Ambulance and Smart Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.