Why do people like you choose rt health fund ?
Our members tell us these are pretty good reasons.
#1 We’re the health fund for Australia’s transport and electricity industry people.
rt health fund was started by railway and tramway workers way back in 1889, for the sole purpose of helping its members. Since then, we’ve grown alongside Australia’s transport and electricity industries, continually helping people.
#2 We’re a mutual, not-for-profit fund, which means we are owned by our members.
While most other players in the healthcare industry today are in business to make a profit from you, we’re here just to help and to serve.
#3 We have a simple range of great value health covers, which in recent years have consistently been named among the best in the country by the Australian Financial Review’s Smart Investor magazine.
Our covers are designed to make it easy for you to choose the right one, and to be veryclear about what you’re covered for and how you’ll get back when you need to make a claim. Simple as that.
#4 When you switch to us you won’t lose any time you’ve ‘built up’ with another health fund.
As long as you join us within two months of leaving your current fund, you can bring all the waiting periods you’ve already served with you, so you won’t skip a beat.
#5 We can help you keep the kids covered right up to age 25.
And, once they’re 25, thanks to your rt membership, they’ll not only be automatically eligible to join, but if they transfer to their own membership with an equivalent level of cover, within two months of leaving yours, they can join with no waiting periods to serve.
#6 We offer special rates for sole-parent families.
Our sole-parent family cover includes one adult and all the kids, and helps make keeping the family protected with hospital cover just that little bit easier.
#7 Our extras covers include very generous benefits each time you claim as well as great overall annual benefit limits.
After all, it’s how much you’ll get back, rather than how much it costs, that’s the most important thing in choosing a health cover.
#8 rt members get great savings on glasses and contact lenses.
We’ve teamed up with OPSM, Laubman & Pank, Budget Eyewear and Vision Plus-WA to offer a huge 23% discount on frames and lenses, and a 15% discount on contact lenses.
#9 We’re a nation-wide fund and we have contracts with almost every private hospital and day surgery in the country.
No matter where you live, or where the road takes you, with us you’re covered all over Australia.
#10 If you choose hospital cover with an excess, with us you’ll save on the excess for day surgery.
Our Premium Hospital cover has no excess at all on day surgeries and with Smart and Value Hospital covers, you pay just $100 day surgery excess. Plus, you never pay an excess for dependent kids covered by your membership.
#11 Our hospital covers give you free access to a range of extra programs, designed to help you better manage your health and to give you more options when it comes to choosing the best type of care.
We offer: hospital substitution for home-based care options and chronic disease management to help prevent or manage chronic health conditions … all at no extra cost.
#12 With any rt hospital cover you can call on Access Gap Cover to help you reduce or eliminate your out-of-pocket costs for doctors’ fees when you are treated in hospital.
#13 We’re a health fund with a big heart.
With so many rules and regulations in the health insurance industry, there are often times when we’d like to be able to help, but we’re simply not allowed. That’s why we started the rt families foundation. The foundation is an independent charity run on a volunteer basis by rt staff. By day we might be mild-mannered insurance company folk, but after hours we’re out raising money to give away. Over the past few years we’ve had the incredible privilege of being able to lend a helping hand to a number of families when they had nowhere else to turn. And we love it.
#14 You can join us risk-free with our 30-day money-back guarantee.
We understand that deciding to join a health fund is a big step, so we want to make it easy for you. When you join we’ll give you 30 days to try us out risk free. If you haven’t used your cover, and you change your mind within the first 30 days, we’ll refund your money.
#15 Your membership will open the door to many of your extended family members being eligible to join the fund.
Almost half of our new members are referred to us by happy rt members – people love spreading the rt word among their family, and you can too.