Silver Plus Assure Hospital and Top Extras
A Silver Plus 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
- $500, $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 Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver156 policies$354.89121st cheapest of 156
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.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $500 excess$365.04
- $750 excess$10.15 less than $500 excess$354.89
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $365.04 | $730.08 | $730.08 | $605.27 | $937.17 | $759.36 |
| VIC | $379.35 | $758.70 | $758.70 | $627.86 | $974.00 | $789.17 |
| QLD | $374.32 | $748.64 | $748.64 | $617.24 | $961.28 | $778.77 |
| SA | $374.46 | $748.92 | $748.92 | $618.11 | $961.58 | $779.04 |
| WA | $311.08 | $622.16 | $622.16 | $519.88 | $798.31 | $646.99 |
| TAS | $374.68 | $749.36 | $749.36 | $617.91 | $962.19 | $779.52 |
| NT | $241.79 | $483.58 | $483.58 | $413.91 | $619.71 | $502.59 |
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $354.89 | $709.78 | $709.78 | $590.04 | $910.99 | $738.20 |
| VIC | $371.78 | $743.56 | $743.56 | $616.51 | $954.47 | $773.38 |
| QLD | $362.02 | $724.04 | $724.04 | $598.79 | $929.55 | $753.13 |
| SA | $356.33 | $712.66 | $712.66 | $590.91 | $914.81 | $741.24 |
| WA | $305.55 | $611.10 | $611.10 | $511.59 | $784.05 | $635.46 |
| TAS | $353.54 | $707.08 | $707.08 | $586.20 | $907.65 | $735.44 |
| NT | $238.02 | $476.04 | $476.04 | $408.25 | $609.99 | $494.73 |
34 of 38 clinical categories covered in full, 1 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full34
- Restricted1
- Not covered3
Covered 34
- 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
- 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)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted 1
- Hospital psychiatric services
Not covered 3
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $500, $750, paid when you are admitted. No excess for dependants.
From the insurer: $100 cap for day admissions, subject to a 12-month eligibility period for new cover from 14 September 2026. No excess for dependants under the age of 22.
Pays towards 27 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,500typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$550typical policy $450
- Chiropracticshared with osteopathy$500typical policy $400
- Psychology$500typical 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)$72.00typical policy $66.85
- Full crown, veneered (item 615)$782.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$60.00typical policy $42.00
- Psychology, first visit$80.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | - | Periodic oral exam (item 012): $35.00Scale and clean (item 114): $72.00Fluoride treatment (item 121): $44.00Simple extraction (item 322): $190.00 |
| Major dental | 12 months | $1,500shared with endodontic (root canals) | - | Full crown, veneered (item 615): $782.00 |
| Endodontic (root canals) | 12 months | $1,500shared with major dental | - | Root canal filling (item 417): $192.00 |
| Orthodontics | 12 months | $1,000, $3,000 lifetime | - | Braces, upper and lower, with retainer (item 881): 100% |
| Opticalconditions apply | 2 months | $300 | - | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $600 | - | Non-PBS prescription: $70.00 |
| Physiotherapy | 2 months | $550 | - | Physiotherapy, first visit: $60.00Physiotherapy, later visit: $54.00 |
| Chiropractic | 2 months | $500shared with osteopathy | - | Chiropractic, first visit: $49.00Chiropractic, later visit: $39.00 |
| Podiatry | 2 months | $500 | - | Podiatry, first visit: $45.00Podiatry, later visit: $40.00 |
| Psychology | 2 months | $500 | - | Psychology, first visit: $80.00Psychology, later visit: $60.00 |
| Acupuncture | 2 months | $750shared with remedial massage, chinese herbal medicine, exercise physiology | - | Acupuncture, first visit: $40.00Acupuncture, later visit: $35.00 |
| Remedial massage | 2 months | $750shared with acupuncture, chinese herbal medicine, exercise physiology | - | Remedial massage, first visit: $40.00Remedial massage, later visit: $40.00 |
| Hearing aids | 24 months | $1,200, 2 every 3 years | - | Hearing aid: $600.00 |
| Blood glucose monitors | 12 months | $600 | - | Blood glucose monitor: 80% |
| Audiology | 2 months | $160 | - | Audiology, first visit: $80.00Audiology, later visit: $80.00 |
| Antenatal and postnatal | 2 months | $300 | - | Antenatal and postnatal, first visit: $30.00Antenatal and postnatal, later visit: $30.00 |
| Chinese herbal medicine | 2 months | $750shared with acupuncture, remedial massage, exercise physiology | - | Chinese herbal medicine, first visit: $35.00Chinese herbal medicine, later visit: $30.00 |
| Dietetics | 2 months | $500 | - | Dietetics, first visit: $55.00Dietetics, later visit: $55.00 |
| Exercise physiology | 2 months | $750shared with acupuncture, remedial massage, chinese herbal medicine | - | Exercise physiology, first visit: $40.00Exercise physiology, later visit: $35.00 |
| Orthoptics | 2 months | $500 | - | Orthoptics, first visit: $40.00Orthoptics, later visit: $35.00 |
| Health management programs | 2 months | $150 | $300 | Health management program: 100% |
| Home nursing | 2 months | $700 | - | Home nursing, first visit: $30.00Home nursing, later visit: $30.00 |
| Occupational therapy | 2 months | $500 | - | Occupational therapy, first visit: $60.00Occupational therapy, later visit: $53.00 |
| Orthotics | 12 months | $250 | - | Orthotics: 100% |
| Osteopathy | 2 months | $500shared with chiropractic | - | Osteopathy, first visit: $53.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $500 | - | Speech therapy, first visit: $70.00Speech therapy, later visit: $60.00 |
| Vaccinations | 2 months | $150 | - | Vaccination: $50.00 |
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 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.
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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.