Changing Your Cover Changing Your Cover Compare your cover with us At rt health, we know life gets busy, and sometimes we forget about reviewing our health insurance. It is important to remember that you don't need to pay for things you don't need. Why should I consider taking out Hospital Cover? Peace of Mind Nobody has a crystal ball. Be prepared for whatever happens. Avoid Waitlist 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 the MLS and LHC if you have Hospital cover.