This might answer some of your questions

These are some of the questions that we get asked a lot, and while we love to chat with our members and anyone thinking about joining, these quick questions and answers might save you a little time. If you can’t find the answer you’re looking for, please get in touch with us.

I am already with another health fund. If I switch to rt will I have to serve my waiting periods again with you?
Health fund members in Australia are guaranteed 'portability' of cover by law. What it means is that you can swap from one health fund to another without having to re-serve waiting periods you've already served with your current fund.

We'll recognise any waiting periods (or portions of waiting periods) you’ve already served if you join us within two calendar months of leaving your previous health fund.

The only time waiting periods apply when you transfer to rt from another fund is when your rt cover offers a higher level of benefits than your previous cover. In this case, you’ll be entitled to the same level of benefits as you had under your previous cover until you’ve served the waiting period for the higher level of benefits.

If you transfer from a cover with a higher excess to one with a lower excess (for example, from a $500 excess to a $250 excess), that counts as an upgrade in your cover. In this case you may have to pay your previous higher excess until you’ve served the waiting period for the new, higher level of cover.

As well as recognising the waiting periods you’ve already served with your previous fund, we may also take into account some of the extras claims you’ve made with them when calculating your annual limits and entitlements. In some cases, the amounts you’ve already claimed with your previous fund may be deducted from your annual limits until the limits refresh on 1 January each year. Where you have already claimed an amount under any ‘lifetime limit’ with your previous fund, this amount will be permanently deducted from any lifetime limit available under your rt cover.

How do I go about transferring to rt?
It’s surprisingly easy, and you don’t even have to deal with your old fund, we can take care of that for you. There are forms to be filled in, but we offer you a choice of ways to get that done. You can click the 'join online' link below to complete your application form online, download a pdf application form, which you can fill in on screen or by hand, or give our member care team a call and they can help you complete your form over the phone.

Click to join online.

Download an application form.

Call us on 1300 886 123.

How can I check which hospitals I will be fully covered in?
We have agreements in place with almost every private hospital and day surgery in Australia, and when you are treated as an inpatient in any of these you will be covered for 100% of your hospital costs.

Look up which hospitals we have contracts with.

Do you offer a 'gap' cover?
Yes, all of our hospital covers come with automatic Access Gap Cover, which can help you to reduce or avoid out-of-pocket medical fees when you go into hospital.

Here's how it works: when you are treated as an inpatient in hospital your doctors’ fees are split between Medicare and your private hospital cover. Medicare reimburses you for 75% of the MBS (Medicare Benefits Schedule) fee and your hospital cover pays the remaining 25%. Out-of-pocket costs can arise because doctors are not restricted to only charging the MBS fee. Any amount your doctor charges above the MBS fee is not covered by Medicare or your hospital cover.

Access Gap Cover can help you to reduce or eliminate your out-of-pocket costs by making certain arrangements with your doctors before you go into hospital. The way it works is that you ask your doctors if they will participate in rt’s Access Gap Cover at the time you are making arrangements for your hospital stay. If your doctors agree, it means they are willing to accept a set fee for their services that is more than the MBS fee, but probably less than what they might otherwise charge. This means you are likely to have lower out-of-pocket costs, and in some cases, none at all. You can ask any of your treating doctors if they are willing to participate in Access Gap Cover, and they are free to do so or not on a case-by-case basis.

Look up which doctors currently participate in our Access Gap Cover.

Can we help?
If you'd like to talk to someone who can help you decide which of our covers is best for you and answer any questions you have about how it all works, give our member care team a call on 1300 56 46 46 or email us at

TELEPHONE 1300 886 123   :  DISCLAIMER   :  PRIVACY POLICY  : © 2015 railway + transport health fund ltd (abn 93 087 648 744) is a registered health benefits organisation
The materials on this website have been prepared for general information only. The information on this website, or any other website accessed via this website or otherwise, may not be accurate, complete or current. rt health fund ltd does not accept any liability to any person for the information that is provided.