rt health | Our Future

rt health and HCF. Stronger Together

We’re very pleased to share that our merger with HCF, Australia’s leading not-for-profit mutual health fund, was approved by APRA on 15 October 2021 and was completed on 1 November 2021.

While the coverage and benefits under your health insurance policy remain the same, your health insurance policy is now referable to the health benefits fund of HCF rather than the health benefits fund of rt health.

This means that from 1 November 2021, rt health is officially part of the HCF Group.

This is a fantastic outcome for our fund that will help us to navigate the challenges in our industry, and most importantly, provide more benefits for you.

We’re proud of our heritage at rt health, delivering great outcomes for transport and energy workers for more than 130 years, and with ongoing support from our members and from HCF, we’re well placed to continue to deliver great outcomes for the next 130 years.

What will this mean for our members?

Mostly, it will be business as usual for you – you don’t need to do anything in response to the merger. Your policy and benefits remain the same. Your contributions remain the same. The rt health brand remains the same. The dedicated rt health staff serving you remain the same.

You will continue to receive the same dedicated and personalised support, service and products you have come to know and love. And there won’t be any need to change your details, account access or policies.

The merger sees rt health and its policies sit under the HCF umbrella. While we remain an independent brand dedicated to the rail, transport and energy industries, as part of the HCF Group we will be able to provide you with many valuable new benefits, some which will be available from Day 1 and some which will be introduced over time.

In summary

Members will receive more benefits and the same great service.

Our commitment to and focus on rail, transport and energy industry workers remains unchanged.

We are building a strong future for the not-for-profit, mutual sector.

With HCF we will be stronger together.

What the merger will mean for our members

Same staff, same service

Your policy remains the same. Your contributions remain the same. The rt health brand remains the same. The dedicated rt health staff serving you remain the same.

Still here for industry

The merger will see rt health and its policies sit under the HCF umbrella, while remaining an independent brand dedicated to the rail, transport and energy industries.

2 months' free health insurance

Following the merger, and subject to how long you remain a HCF policyholder, you’ll receive two months’ free cover (one month free 12 months after the merger and the second month free 24 months after the merger). This amounts to a saving of hundreds of dollars for most members.

More competitive pricing

With HCF’s scale, your premium increases are likely to be lower over the next three years compared with what we would expect to be able to offer you as a small, stand-alone fund.

Greater access to dental and optical network services

You’ll gain access over time to HCF’s extensive dental and optical clinical network across Australia, as well as additional member health and wellbeing programs.

Preservation of value

The value of your corporate membership of rt health is preserved within HCF.

Voting rights

rt health members will have the same voting rights as HCF policyholders if they meet the same eligibility requirements for voting which apply to HCF policyholders under HCF’s Constitution.

Loyalty discounts

You'll gain access over time to discounts on e-gift cards and vouchers.

rt health and HCF. Stronger Together

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What will this mean for our members?

In summary

What the merger will mean for our members