rt health Insurance (Railway and Transport Health Fund)Review

Overview

The Railway and Transport Health Fund was established over 130 years ago as an industrial fund by a group of employees. Those who have worked or are currently working in the transport and energy sector and their families can purchase membership with rt health.

rt health has their own eye and healthy teeth centres where eligible members can claim up to the full cost of preventative dental treatment. 

rt Health is part of Members Own, a group of 19 like-minded, mutual health funds that invest their dividends back into their members through higher benefits and paid claims.

rt health Key Facts

Founded: 1889

For-Profit or Not-For-Profit? Not-For-Profit

Private Hospital Agreements Nationwide: 285

Day Hospital Agreements Nationwide: 274

Health Deal Represented? No

Headquarters: Sydney, NSW

rt health Hospital Cover

Railway and Transport Health has a range of hospital covers to suit everyone. These range from Basic Plus Public Hospital all the way up to Gold Premium Hospital. These are the current hospital covers currently available:

  • Basic Plus Public Hospital
  • Bronze Plus First Start Hospital
  • Bronze Plus Step Up Hospital
  • Silver Plus Smart Hospital
  • Gold Premium Hospital

rt health Extras Cover

Extras Cover takes care of the everyday healthcare service expenses that are not generally covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of the current extras covers available:

  • Value Extras
  • Smart Extras
  • Premium Extras
  • Ambulance and Value Extras
  • Ambulance and Smart Extras
  • Ambulance and Premium Extras

rt Health Waiting Periods

Railway and Transport Health recognises the waiting periods you have already served with a previous health fund if you switch, this is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:

rt health Hospital Waiting Periods

Ambulance services: 1 day

Accidental Injury: 1 day

New Conditions: 2 Months

Pregnancy and birth-related services: 12 months

Pre-existing conditions: 12 months

Rehabilitation & Palliative care: 2 months

Weight Loss Surgery: 12 months

How Do You Claim Extras with rt health Fund?

Railway and Transport Health offers these quick and easy ways to claim on your extras:

Online:  Make your claim by sending a completed claim form along with your relevant receipts to help@rthealthfund.com.au.

Fax: You can claim by faxing a completed claim form and receipts to 1300 887 123

By Mail:  You can lodge your claim by posting relevant accounts and receipts to:

PO Box 545

Strawberry Hills

NSW 2012

rt health Gap Cover

Railway and Transport Health’s gap cover is called the Access Gap Cover. If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense. Access Gap can help to minimise or eliminate personal expense but it is the choice of the physician to participate in any given gap scheme.

Gap Cover Ratings by State

To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme. 

 

Medical Services with No Gaps — The percentage of claims that were fully refunded.

Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed.

rt health Fund medical services with No Gap: 86.9%

Industry Average: 79.1%

rt health Fund Medical Services with No or Known Gap: 96.7%

Industry Average: 90.5%

rt health Fund medical services with No Gap: 93.4%

Industry Average: 89.5%

rt health Fund Medical Services with No or Known Gap: 98.1%

Industry Average: 95.7%

rt health Fund medical services with No Gap: 91.4%

Industry Average: 86.7%

rt health Fund Medical Services with No or Known Gap: 98.5%

Industry Average: 95.1%

rt health Fund medical services with No Gap: 93.5%

Industry Average: 89.2%

rt health Fund Medical Services with No or Known Gap: 98.1%

Industry Average: 94.5%

 

rt health Fund medical services with No Gap: 90.8%

Industry Average: 89.5%

rt health Fund Medical Services with No or Known Gap: 99.3%

Industry Average: 96.6%

rt health Fund medical services with No Gap: 87.3%

Industry Average: 84.4%

rt health Fund Medical Services with No or Known Gap: 96%

Industry Average: 96.2%

rt health Fund medical services with No Gap: 91.1%

Industry Average: 90.2%

rt health Fund Medical Services with No or Known Gap: 99.4%

Industry Average: 96.7%

rt health Fund medical services with No Gap: 84.8%

Industry Average: 84.2%

rt health Fund Medical Services with No or Known Gap:  100%

Industry Average: 93.8%

4.8/5
Renee came up with a result that was very satisfactory
Renee came up with a result that was very satisfactory
Rosalie Fields
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Renee handled my call with empathy, product knowledge, and skill. She listened to my needs and prior experiences and came up with a result that was very satisfactory to me.
I will definitely be contacting again
I will definitely be contacting again
customer
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My consultant Mark was absolutely brilliant, he did all the research, asked and met my personal circumstances and was great to chat with. I will definitely be contacting again when or if I ever need any more help in this area. Thank you again!
Great service!
Great service!
customer
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Great service, explained very clearly and easy to understand
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