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Why RT Health?

We've been here since 1889, so we've had a long time to get it right.

Have you been shopping around for a new Health Fund? It's not always an easy choice to make, especially if you've been with your old fund for a long time – they know you, you have history together. You kinda know how it all works and it can feel like there's a lot at risk when you make a change. That's why we're here to help.

If you're interested in making the switch, give our team a call. Talk to us about what you're looking for and what your concerns are. Unlike a lot of health funds, we encourage our team to spend all the time they need with people, whether you're thinking of joining or are already a member. We'll talk you through the options, help you compare our covers with the one you have now, explain all the ins and outs, and help make sure you have all the info you need to make the best decision for you.

10 great reasons to join RT Health

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. 

Why should I consider taking out private health insurance?

Peace of mind

Nobody has a crystal ball. Be prepared for whatever happens.

Avoid long waitlists

Receive elective medical treatment sooner rather than later.

Freedom to choose

Choose the doctor or surgeon who treats you in hospital.

Avoid financial penalties

Avoid paying more at tax time with the LHC and MLS.

See what our members say