RBHS is a restricted access health insurer for current and former employees of The Reserve Bank of Australia and Note Printing Australia, and their families. It’s a nonprofit fund and is part of Members Health, an alliance of nonprofit and mutual health funds.
When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don’t get automatically penalised for having more complaints.The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
A medical gap is the difference between Medicare’s recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called ‘no gap agreements’, or part of that gap, which are called ‘known gap agreements’ (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
Rating scale
Well above average
Above average
Average
Below average
Well below average
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Text-only accessible version
Australian Capital Territory
Below average.
New South Wales
Average.
Northern Territory
Average.
Queensland
Above average.
South Australia
Above average.
Tasmania
Below average.
Victoria
Above average.
Western Australia
Average.
How many hospital agreements does RBHS have in each state?
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you’re treated.
The table below shows how many hospital agreements RBHS has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don’t have agreements with specific funds and are generally treated as though they’re agreement hospitals.
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Text-only accessible version
Police Health hospital agreements
In the Australian Capital Territory this fund has…
5 private hospital agreements out of an industry maximum of 7.
8 day hospital agreements out of an industry maximum of 12.
In New South Wales this fund has…
92 private hospital agreements out of an industry maximum of 95.
87 day hospital agreements out of an industry maximum of 113.
In the Northern Territory this fund has…
1 private hospital agreement out of an industry maximum of 1.
2 day hospital agreements out of an industry maximum of 2.
In Queensland this fund has…
50 private hospital agreements out of an industry maximum of 63.
47 day hospital agreements out of an industry maximum of 61.
In South Australia this fund has…
17 private hospital agreements out of an industry maximum of 17.
25 day hospital agreements out of an industry maximum of 36.
In Tasmania this fund has…
7 private hospital agreements out of an industry maximum of 7.
8 day hospital agreements out of an industry maximum of 12.
In Victoria this fund has…
69 private hospital agreements out of an industry maximum of 75.
58 day hospital agreements out of an industry maximum of 80.
In Western Australia this fund has…
21 private hospital agreements out of an industry maximum of 23.
20 day hospital agreements out of an industry maximum of 33.
Does RBHS offer any discounts?
Discount for direct debit: 0%
Discount for annual prepay: 0%
Total discount for annual prepay via direct debit: 0%
Does RBHS offer ambulance cover?
All RBHS extras, hospital and combined policies have emergency ambulance cover.
Do you need ambulance cover?
Depending on where you live, you may not need a policy with ambulance cover.
Queensland and Tasmania: Emergency ambulance services are covered by the state government.
New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Does RBHS offer family policies that cover adult children?
Adult children are covered on family policies for free until they turn 18
Full-time students are covered on family policies for free until they turn 25.
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