Compare Transport Health health insurance


Owned by the nonprofit RT Health Fund, it was founded in 1888, originally for tram workers.

Fund information


Transport Health summary

Is Transport Health nonprofit? 

Does Transport Health get many complaints from members? 

How good is Transport Health's gap cover? 

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

Does Transport Health offer any discounts?

Does Transport Health offer ambulance cover?

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

What CHOICE Community says about Transport Health


Transport Health summary

TFS

Founded in 1888 to serve the interests of Melbourne Tramway workers, Transport Health became an open fund in 2014. It's owned by the nonprofit RT Health Fund and has 17,000 members. It also offers a 'broader health cover program' that includes early hospital release, hospital in the home, chronic disease management and baby assist.

Transport Health contact details

Phone: 1300 806 808

Email: enquiries@transporthealth.com.au

Website: transporthealth.com.au


Is Transport Health nonprofit?

No, but its parent company, RT Health, is nonprofit.


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Does Transport Health get many complaints from members?

Transport Health complaints rating: Medium

  • 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 Transport 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 Transport Health 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.

Transport Health gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Below average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Well below average

Tasmania (Tas)

Above average

Northern Territory (NT)

No rating

Percentage of medical services covered with no gap

New South Wales (NSW)

Transport Health – 87.4%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Transport Health – 59.3%

Industry average – 76.7%

Victoria (Vic) 

Transport Health – 92.2%

Industry average – 85.0%

Queensland (Qld) 

Transport Health – 89.3%

Industry average – 85.1%

South Australia (SA) 

Transport Health – 89.9%

Industry average – 86.8%

Western Australia (WA) 

Transport Health – 59.0%

Industry average – 90.1%

Tasmania (Tas) 

Transport Health – 99.1%

Industry average – 83.0%

How many hospital agreements does Transport 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 Transport 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.

Transport 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 Transport Health offer any discounts?

Discount for direct debit: 6 months 2.5%, 12 months 5%

Discount for annual prepay: 6 months 2.5%, 12 months 5% (not in addition to above)

Total discount for annual prepay via direct debit: 6 months 2.5%, 12 months 5%


Does Transport Health offer ambulance cover?

All Transport Health 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. 

  • 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 Transport Health let you claim online or in-app?

App (iOS and Android) for claiming all services. No online claiming.


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What CHOICE Community says about Transport Health

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