Understanding Your Cover

10 things you should know, do and remember. These 10 things account for the most common issues members have with their health cover.

Orthodontic benefits are available under our Premium Extras cover.

Making sure you have everyone covered.

Salary deductions are a hassle-free way to pay your health contributions.

Choosing to take hospital cover with an excess is a way to reduce the cost of your cover, without reducing the level of cover you have.

Why private health insurance is good for your health and your hip pocket

What is Access Gap Cover and how it can help you.

If you're thinking about joining rt health, and want to know more about us, we recommend that you read our brochure.

Provides general information about our insurance products and services, as well as a summary of our health covers.

What level of cover do you want?

No exclusions or restrictions; if Medicare pays a benefit on the procedure you are having in hospital, so does Gold Premium Hospital.

A comprehensive everyday level of cover that suits most people's needs unless you require pregnancy and birth, assisted reproductive services or weight loss surgery.

This cover is ideal for young people who are new to health insurance. It doesn’t cover you for: joint replacement procedures and their revisions, kidney dialysis, spinal surgery or major eye surgery.

Well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

Basic Plus Public Hospital is great for people who don’t need or want to be covered in a private hospital, but do value the ability to choose their own doctor in a public hospital.

This is our top-level extras. It is a great cover for people who are high users of particular healthcare treatments or services. It's also our only extras cover with benefits for orthodontics – the ideal choice for families with growing smiles.

Smart Extras excludes cover for orthodontic treatment and is ideal for singles, couples or families. Its benefits are only slightly lower than our top extras offers, and most annual benefits limits are available 'per membership' rather than 'per person'.

Value Extras is an ideal starter cover for those who only use the occasional extra healthcare services. This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.