It’s easy to choose the right rt health cover
We like to keep things pretty straightforward, so we have a small, simple and mercifully easy-to-understand set of covers - and what's best about them is that they aren't weighed down by fine print, exclusions and complicated rules.
You can choose from:
Private Hospital + Extras (our top level of cover)
There are no exclusions with our Private Hospital Cover: you’re covered for treatment in the hospital of your choice, with the doctor of your choice. And our Extras Cover gives you generous rebates on a huge range of health and wellbeing products, services and treatments.
- you can choose to take an excess with Private Hospital, which will reduce the cost by around 8%
- you get a better price when you take Private Hospital + Extras together than you would if you just took one or the other on its own
- some benefit limitations apply if you take Extras Cover by itself, make sure you’re happy with these before you make your choice
Smart investor says rt is a smart pick - for the second year running!
The Australian Financial Review's Smart Investor magazine has been at it again. They've looked at every health cover from every health fund in the country to see which ones come up trumps, and for the second year running our Private Hospital + Extras Cover has made the list!
Fit + Healthy Hospital + Extras (our mid-level cover)
This is like ‘health cover lite’. Fit and Healthy offers good cover for the young (and young at heart) who are happy with some exclusions on hospital treatments and who want a simple selection of extras to choose from.
- Fit + Healthy Hospital comes with an automatic excess (the excess is not optional)
- this is a combined hospital and extras cover; you can’t take one without the other
Basic Hospital + Extras (our lowest level of cover)
This is a good hospital cover if you don’t need or want access to a private hospital. It is designed to give you the ability to choose your own doctor and to receive treatment in a public hospital (rather than a private hospital). Add in our Extras Cover, and you also get generous rebates on a huge range of health and wellbeing products, services and treatments.
- there's no excess options on this cover
- you get a better price when you take Basic Hospital + Extras together than you would if you just took one or the other on its own
- some benefit limitations apply if you take Extras Cover by itself, make sure you’re happy with these before you make your choice
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