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Compare RT Health health insurance

How RT Health rates for member complaints, gap cover and ambulance cover.

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CHOICE staff
CHOICE staff

RT Health summary

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.
Note: RT Health and HCF are currently in the process of finalising terms and conditions of a proposed merger.

Phone: 1300 886 123


Who can join RT Health?

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?


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

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

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.

Does RT Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Youth discounts: 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.

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. 
  • NSW and ACT: 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 NT: 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.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE