Why have PHI? Why should I consider taking out private health insurance? Peace of mind Nobody has a crystal ball. Be prepared for whatever happens. Avoid long waitlists Receive elective medical treatment sooner rather than later. Freedom to choose Choose the doctor or surgeon who treats you in hospital. Avoid financial penalties Avoid paying more at tax time with the LHC and MLS. 10 great reasons to insure Why you should join RT Health People fall into one of four categories when it comes to health insurance. They won't risk being caught without it. They know that if they suffer an unexpected illness or injury, they want to be 100% financially prepared. They can't see the point of health insurance Do you enjoy long waitlists? Having no choice about who treats you? If the answer is no, you need health insurance. They think it's a good thing to have but not 100% convinced. There is a lot of misunderstanding about health insurance - knowing all of the facts might just get you across the line. They assume that they just can't afford it. Everyone's financial situation is different. This is why we offer a range of covers to accommodate your budget. Not convinced that you need private health insurance? We want to give you all of the facts so that you can make an informed decision. Below are ten very good reasons why private health insurance is well worth the money you spend in premiums. 10 great reasons to insure Security Enjoy peace of mind knowing that you’ve prepared for the unexpected. Access Get treatment quickly – avoid waiting months or years on a waitlist. Choice Choose the doctor or surgeon who treats you in hospital. Facilities Recover in a private room rather than a ward shared with strangers. Tax High earners either need to pay more at tax time or take out Hospital cover. LHC Avoid a 2% penalty for each year you delay signing up for Hospital cover. Savings Do you have thousands of dollars saved up to pay for expensive surgeries? Extras Get help paying for services like dental, optical, chiro, physio. Prevention Take care of yourself with preventative measures like regular dental check-ups. Control Be the one in charge of making important decisions about your health care. Member Benefits Refer A Friend Refer a Friend to RT Health and if your friend if your friend joins on the applicable level of cover, we'll send you a $300 eGift card* once they’ve been with RT Health for 60 days. *T&C's Branch2U Branch2U is an opportunity for you to get any help you need with your membership, understand how to get more value from your cover, receive a free heart health check from Victor Chang. Webinars Our free webinars are presented by qualified health professionals and cover a variety of interesting and important health topics. See more