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 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 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). 

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).

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 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.

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.

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 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.

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. 
 

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

Receive elective medical treatment sooner rather than later.

Choose the doctor or surgeon who treats you in hospital.

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