Health insurance

Your health cover, your choices!

When you join rt, you can choose from hospital cover, extras cover or ambulance cover. Most people choose a combination of hospital and extras cover. Here's what they each cover you for.

Hopefully you'll find everything you need here, but if you need any more information about any of our covers please give us a call on 1300 886 123 or drop us a line at

Hospital cover

Hospital cover is designed to assist you with the costs associated with going to hospital as a private patient. In most cases, it covers you for up to 100% of the hospital facilities you use, including the ward, the bed, meals, theatre, treatments, equipment and care. It can also help you pay for doctors’ fees, prostheses, pharmaceutical fees and ambulance fees associated with going to hospital.

We have five levels of hospital cover:

Extras cover

Extras cover is designed to assist you with the costs of healthcare services and treatments (like dental, optical, physiotherapy, speech therapy, natural therapies, vaccines and more) that aren’t provided by a doctor in hospital. The amount you can get back depends on the level of cover you choose.

We have three levels of extras cover, which you can mix-and-match with any of our hospital covers: