Compare RT Health health insurance


RT Health is a restricted-member nonprofit health fund for transport and energy sector employees and their families.

Fund information


RT Health summary

RT Health eligibility

Is RT Health nonprofit? 

Does RT Health get many complaints from members? 

How good is RT Health's gap cover? 

How many hospital agreements does RT Health have in my state? 

Does RT Health offer any discounts?

Does RT Health offer ambulance cover?

Does RT Health offer family policies that cover adult children?

Does RT Health let you claim online or in-app?

What CHOICE Community says about RT Health


RT Health summary

rthealth

RT Health is a restricted-member nonprofit health fund for transport and energy sector employees and their families. It was started more than 120 years ago by a group of railway employees. RT Health is part of Members Own Health Funds, an alliance of nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phone: 1300 886 123

Email: help@rthealthfund.com.au 

Website: rthealthfund.com.au


RT Health eligibility

Current or former employees in the transport or energy sectors (including businesses that supply services to the sector).

For further details see their website.


Is RT Health nonprofit?

Yes


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Does RT Health get many complaints from members?

RT Health complaints rating: High

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.

How good is RT Health's gap cover?

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

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that RT Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

RT Health gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Above average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Above average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

RT Health – 92.9%

Industry average – 86.3%

Australian Capital Territory (ACT) 

RT Health – 81.5%

Industry average – 76.7%

Victoria (Vic) 

RT Health – 92.1%

Industry average – 85.0%

Queensland (Qld) 

RT Health – 93.3%

Industry average – 85.1%

South Australia (SA) 

RT Health – 94.2%

Industry average – 86.8%

Western Australia (WA) 

RT Health – 86.3%

Industry average – 90.1%

Tasmania (Tas) 

RT Health – 93.3%

Industry average – 83.0%

Northern Territory (NT) 

RT Health – 87.7%

Industry average – 80.1%

How many hospital agreements does RT Health have in my 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 RT Health Fund 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.

RT Health has

ACT

7 private hospital agreements out of an industry maximum of 7

6 day hospital agreements out of an industry maximum of 8

NSW

89 private hospital agreements out of an industry maximum of 100

100 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

2 day hospital agreements out of an industry maximum of 2

Qld

48 private hospital agreements out of an industry maximum of 58

53 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

3 private hospital agreements out of an industry maximum of 8

5 day hospital agreements out of an industry maximum of 6

Vic

75 private hospital agreements out of an industry maximum of 79

78 day hospital agreements out of an industry maximum of 79

WA

23 private hospital agreements out of an industry maximum of 23

22 day hospital agreements out of an industry maximum of 29

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Does RT Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None


Does RT Health Fund offer ambulance cover?

All RT Health Fund extras, hospital and combined policies have emergency ambulance cover.

In Victoria, South Australia, Western Australia and the Northern Territory, cover is limited to $5000 per person per year.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In 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 WA: 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 WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does RT Health Fund offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study and not living with a partner.


Does RT Health Fund let you claim online or in-app?

Can claim online for all services. There is no app.


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What CHOICE Community says about RT Health Fund

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about RT Health Fund to share your experiences or gain more insights into this health fund.