Gold Optimal Hospital and Smart Extras
A Gold hospital and extras policy from RT Health.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement RT Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
RT Health's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Gold33 policies$631.2529th cheapest of 33
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $631.25 | $1,015.83 | $1,152.87 | $1,043.24 | $1,471.81 | $1,294.62 |
| VIC | $683.66 | $1,097.21 | $1,247.27 | $1,127.22 | $1,592.43 | $1,401.97 |
| QLD | $663.19 | $1,064.16 | $1,209.84 | $1,093.30 | $1,544.65 | $1,359.97 |
| SA | $577.35 | $932.28 | $1,055.85 | $957.00 | $1,347.84 | $1,184.23 |
| WA | $554.00 | $894.16 | $1,012.96 | $917.92 | $1,293.11 | $1,136.31 |
| TAS | $613.69 | $988.60 | $1,121.25 | $1,015.13 | $1,431.42 | $1,258.65 |
| NT | $373.23 | $613.96 | $687.57 | $628.68 | $877.33 | $766.10 |
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted.
From the insurer: Comprehensive hospital cover. Includes no excess for dependents under the age of 22, Involuntary Unemployment Assistance, Travel and accommodation benefits for hospital admission, and emergency ambulance trips. See fund rules for more information.
Pays towards 26 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$1,000typical policy $800
- Major dentalshared with endodontic (root canals)$1,200typical policy $1,000
- Optical$250typical policy $220
- Physiotherapy$450typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychology$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$35.00typical policy $35.20
- Scale and clean (item 114)$64.00typical policy $66.85
- Full crown, veneered (item 615)$660.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$50.00typical policy $42.00
- Psychology, first visit$70.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $1,000 | $2,000 | Periodic oral exam (item 012): $35.00Scale and clean (item 114): $64.00Fluoride treatment (item 121): $44.00Simple extraction (item 322): $171.00 |
| Major dental | 12 months | $1,200shared with endodontic (root canals) | $2,400 | Full crown, veneered (item 615): $660.00 |
| Endodontic (root canals) | 12 months | $1,200shared with major dental | $2,400 | Root canal filling (item 417): $174.00 |
| Opticalconditions apply | 2 months | $250 | - | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $500 | $1,000 | Non-PBS prescription: $60.00 |
| Physiotherapy | 2 months | $450 | $900 | Physiotherapy, first visit: $50.00Physiotherapy, later visit: $45.00 |
| Chiropractic | 2 months | $400shared with osteopathy | $800 | Chiropractic, first visit: $43.00Chiropractic, later visit: $33.00 |
| Podiatry | 2 months | $400 | $800 | Podiatry, first visit: $40.00Podiatry, later visit: $35.00 |
| Psychology | 2 months | $400 | $800 | Psychology, first visit: $70.00Psychology, later visit: $55.00 |
| Acupuncture | 2 months | $500shared with remedial massage, chinese herbal medicine, exercise physiology | $1,000 | Acupuncture, first visit: $33.00Acupuncture, later visit: $28.00 |
| Remedial massage | 2 months | $500shared with acupuncture, chinese herbal medicine, exercise physiology | $1,000 | Remedial massage, first visit: $35.00Remedial massage, later visit: $35.00 |
| Hearing aids | 24 months | $900, 2 every 3 years | - | Hearing aid: $450.00 |
| Blood glucose monitors | 12 months | $480 | - | Blood glucose monitor: 80% |
| Audiology | 2 months | $120 | $240 | Audiology, first visit: $60.00Audiology, later visit: $60.00 |
| Antenatal and postnatal | 2 months | $200 | $220 | Antenatal and postnatal, first visit: $20.00Antenatal and postnatal, later visit: $20.00 |
| Chinese herbal medicine | 2 months | $500shared with acupuncture, remedial massage, exercise physiology | $1,000 | Chinese herbal medicine, first visit: $25.00Chinese herbal medicine, later visit: $20.00 |
| Dietetics | 2 months | $400 | $800 | Dietetics, first visit: $45.00Dietetics, later visit: $45.00 |
| Exercise physiology | 2 months | $500shared with acupuncture, remedial massage, chinese herbal medicine | $1,000 | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $30.00 |
| Orthoptics | 2 months | $500 | $1,000 | Orthoptics, first visit: $35.00Orthoptics, later visit: $30.00 |
| Health management programs | 2 months | $150 | $300 | Health management program: 100% |
| Home nursing | 2 months | $450 | $900 | Home nursing, first visit: $20.00Home nursing, later visit: $20.00 |
| Occupational therapy | 2 months | $400 | $800 | Occupational therapy, first visit: $50.00Occupational therapy, later visit: $43.00 |
| Orthotics | 12 months | $200 | $280 | Orthotics: 100% |
| Osteopathy | 2 months | $400shared with chiropractic | $800 | Osteopathy, first visit: $47.00Osteopathy, later visit: $35.00 |
| Speech therapy | 2 months | $400 | $800 | Speech therapy, first visit: $55.00Speech therapy, later visit: $45.00 |
| Vaccinations | 2 months | $150 | - | Vaccination: $50.00 |
Not covered: orthodontics.
Other services: RT Health members pay no gap on a range of popular dental and optical services through HCF Dental or Optical Centres and the More for provider network. Includes mental health services (psychology, approved counselling, mental health social worker and OCBT courses). Health aids include blood pressure monitors, CPAP machines & masks, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.
From the insurer: Health management / Healthy lifestyle includes benefits towards gym membership and Tai Chi, Yoga & Pilates. Combined limit is $150 per person, $300 per membership per calendar year. For more details contact our member care team on 1300 886 123 or visit rthealthfund.com.au.
100% back on a range of no-gap services through our More for program, and no-gap network providers, subject to your cover, waiting periods and annual & membership limits. Find out more: https://www.rthealth.com.au/health-services/find-a-dental-clinic and https://www.rthealth.com.au/health-services/find-an-optical-provider.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
Compare
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.