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10 great reasons to join rt health

We're the little fund that could
We're not your average health fund

We’re the health fund for Australians working in the transport and energy industries. rt health was started by railway workers back in 1889 for the sole purpose of taking care of members. We’ve grown alongside Australia’s transport and energy industries ever since.

We’re here to help you, not to profit from you

We’re a not-for-profit health fund, which means that our focus is on providing great benefits for our members (not shareholder dividends or profits for overseas owners).

We're as Aussie as a Bunnings snag, mate

We're 100% Australian owned and operated. When you give us a call, you're speaking to a team member sitting in one of our offices in Sydney, Newcastle and Brisbane.

We like to keep things nice and simple

We have a simple range of great value health covers to accommodate every budget. It's clear what you’re covered for (and how much you’ll get back when you make a claim). 

We don't ask you to start from the beginning

When you switch to rt, you won’t lose any time you’ve built up with your previous fund (as long as you join us within two months of leaving them and take out a similar level of cover).

You get extra Extras at our Healthy Centres

Our Extras covers include generous claim benefits and annual limits. Stretch your dental and optical Extras further at our Healthy Centres in Sydney, Newcastle and Brisbane.

We’re with you wherever you may be

We have contracts in place with almost every private hospital and day surgery across Australia. We'll be there alongside you, no matter where you live in the country.

You'll save on the excess for day surgeries

With our Hospital covers, you save on the excess for day surgeries. Premium Hospital cover has no excess on day surgeries. Pay just $100 day surgery excess for all others.

We can help you stay out of hospital

Our Hospital covers give you free access to health management programs. You'll have more options when it comes to choosing the best type of care for you, such as home-based care.

We help you save money by avoiding the gaps

We want to reduce your out-of-pocket expenses as much as possible. Access Gap helps to reduce or eliminate your out-of-pocket costs for doctors’ fees when you are treated in hospital.

We give back to people in the community

families foundation, an independent charity run on a volunteer basis by health fund staff, assists with medical expenses which can't be covered by Medicare or health insurance. 

Insurance is just that … insurance

We all want to feel like we're getting value for our hard-earned money. However, it's difficult to calculate the true value of Hospital cover until the day that you need it.

Making an insurance claim is always the worst case scenario. If you take out house insurance, do you want your house to be flooded? Definitely not. Do you feel like you only benefit from car insurance if you get into an accident? Again, no. Making a claim on your Hospital cover means that you’re ill or injured ... no one wants that.

Our health insurance cover is designed to give you the peace of mind that comes from knowing that if you become unexpectedly ill or injured, rt health will take care of you.