RT Health is a nonprofit health fund originally for transport and energy sector employees and their families but is now open to all. It was started more than 120 years ago by a group of railway employees. RT Health merged with HCF in 2021 and is part of Members Health, an alliance of nonprofit and mutual health funds.
Phone: 1300 886 123
RT Health has a Medium complaints rating.
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.
- Well above average
- Above average
- Below average
- Well below average
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 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.
All RT Health 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.
- Adult children are covered on family policies for free until they turn 22.
- Full-time students are covered on family policies for free until they turn 31.
- Adult children younger than 31 can be covered on extended family policies for an extra cost.
You can claim online for all services (there is no app available).
Stock images: Getty, unless otherwise stated.