Why rt?

10 extra things that rt members enjoy.


Great excess options ... and the kids go excess-free

No matter which of our hospital covers you have, you'll never pay an excess for dependent children covered by your membership. If you choose our Premium Hospital cover with an excess, all day surgery procedures are excess-free, and with our Smart and Value Hospital covers we discount your day surgery excess to just $100.


Super prices for sole-parents

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.


Cover for the kids right up to age 25

Your children are covered by your family or sole-parent family membership until their 21st birthday. After that, there are a couple of options to keep them covered up to age 25, provided they are not married or living in a de facto relationship.

  1. If they are studying full-time they can remain on your membership at no additional cost as a 'student dependant'.
  2. If they are working, and you have our Premium Hospital cover, they can remain on your membership for an additional contribution that’s only a fraction of what they’d pay for their own individual cover.

Once they’re 25, it’s time for the kids to get their own cover. Thanks to your rt membership, they’ll not only be automatically eligible to join, but if they transfer to their own membership within two months of leaving yours they can join with no waiting periods to serve.


Great savings on optical and dental services

Our brand-new optical practices in Newcastle and Surry Hills offer members in the area:

  • Medicare bulk-billed eye examinations
  • Free digital retinal photography
  • State-of-the-art optical equipment
  • Minimal out-of-pocket expenses on a range of spectacle frames and lenses

And with our state-of-the art dental clinic in Surry Hills, rt members with any of our extras covers get up to $300 preventative dental treatment, including:

  • Comprehensive dental check-up
  • Scale and clean
  • Bite-wing x-ray
  • OPG x-ray
  • Fluoride application
  • Intra oral imaging

New optical and dental services are opening in Brisbane soon. For members outside our practice areas, we’ve teamed up with OPSM, Laubman & Pank, Budget Eyewear and Vision Plus-WA to offer our members a huge 21% discount on frames and lenses, and a 15% discount on contact lenses.


Free programs to help you be well, get well and stay well

Our health management programs are available to rt members as part of their hospital cover, absolutely free. Choose from:

  • hospital at home to help you get home from hospital sooner, or avoid a hospitalisation altogether, with hospital-equivalent care in your own home
  • health4life to help you make the lifestyle changes you need to improve or prevent chronic disease

24/7 access to your membership

As an rt member, you'll enjoy round-the-clock access to your membership through our online member centre where you can:

  • view previous claims and track the progress of current claims
  • check and change your 'partner authority' status
  • view correspondence
  • view previous tax statements
  • view a summary of your membership
  • look up which hospitals have a contract with us, which doctors participate in our Access Gap cover, and find a registered extras provider
  • check and change your contact details
  • check and change your bank account details
  • visit the members' library

Inside info on your health cover with our member magazine

Our member magazine, be well, is packed full of inside info, tips and advice about how to make sure you're getting the best from your rt membership.


A helping hand for families in need

The rt Families Foundation is a place for transport and energy industry families to turn when they need a helping hand.

The Families Foundation can provide assistance to families with medical care, medicine, treatment or equipment that isn’t covered by Medicare or private health cover. It is an independent, charitable organisation run by rt staff volunteers in their own time.


30-day cooling off period

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 rt we’ll give you 30 days to try us out risk free. If there’s anything you’re not happy about within the first 30 days, we’ll refund your money.


rt health fund members save 40 per cent on QBE travel insurance* 

We’re delighted to announce our partnership with QBE to provide you with an extensive range of travel insurance. QBE offers cover for international, annual multi-trip and Australian travel plans.

So whether you’re travelling within Australia or overseas, you can protect your travel plans with QBE.

To take advantage of this offer, call QBE on 1300 555 017 or click here for a quote.

*40% discount applies to the standard rate agreed between rt health fund and QBE for the International, Annual Multi-trip and Australian travel plans. Insurance issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239 545. The content of this offer was prepared, and is issued, by QBE. railway + transport health fund ltd ABN 93 087 648 744 (rt health fund) receives commission for every travel insurance policy referral which results in a policy being taken out with QBE.

Read our latest brochure

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