Understanding Your Cover

Your RT Health Cover Guide

Knowing what you’re covered for is important. The more you know about your benefits and what you can claim, the better your cover will work for you.

If you’ve reached a new life stage, or if you’re focused on ways to improve your health and wellbeing, checking that your health cover still suits your needs can pay off.

With a bit of planning, you'll always be covered, so be sure to look at your cover regularly.

All members can access their Cover Guides here. They’re also available 24/7 via online Member Services. Just click on the ‘My Cover’ tab to download yours.

Open and closed products

All RT Health Cover Guides are listed below. This includes hospital and extras options.

You’ll see that some products are marked open, while some are closed.

Open products are policies that we can provide for new members, while closed products are no longer available for sale but are still covering RT Health members.


Hospital Cover Guides

Gold Optimal (Open Product)

Gold Optimal Hospital removes the guesswork from choosing hospital cover. True peace of mind comes from knowing that you are covered for everything we're able to cover.

Gold Optimum $750 Excess (Closed Product)

Gold Optimum $500 Excess (Closed Product)

Gold Ultimate Hospital (Closed Product)

Silver Plus Assure Hospital No Pregnancy (Open Product)

A comprehensive everyday level of cover that suits most people's needs unless you require pregnancy and birth, assisted reproductive services or weight loss surgery.

Silver Plus Advantage Hospital (Closed Product)

Silver Plus Standard Hospital (Open Product)

An affordable hospital cover option that covers some common procedures (including heart and vascular).

Bronze Plus Classic Hospital (Closed Product)

Bronze Plus Essential Hospital (Open Product)

Well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns however wants more than just the basics.

Bronze Plus Everyday Hospital (Closed Product)

Bronze Plus Core Hospital Fit & Healthy Extras (Closed Product)

Basic Plus Public Hospital (Closed Product)

Bronze Plus Essential Hospital and Combined Extras (Closed Product)

 

Basic Plus Starter Hospital (Open Product)

Basic Plus Starter Hospital is well suited to young people taking out hospital cover for the first time, who don’t have any specific health issues or concerns.

Extras Cover Guides

Top Extras (Open Product)

This is our top-level extras. It is a great cover for people who are high users of particular healthcare treatments or services. It's also our only extras cover with benefits for orthodontics – the ideal choice for families with growing smiles.

Smart Extras (Open Product)

Smart Extras excludes cover for orthodontic treatment and is ideal for singles, couples or families. Its benefits are only slightly lower than our top extras offers, and most annual benefits limits are available 'per membership' rather than 'per person'.

Value Extras (Open Product)

Value Extras is an ideal starter cover for those who only use the occasional extra healthcare services. This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.

Bronze Plus Core Hospital Fit & Healthy Extras (Closed Product)

Deluxe Extras (Closed Product)

 

Healthy Choice Extras (Closed Product)

Bronze Plus Essential Hospital and Combined Extras (Closed Product)