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RT Health is a private health insurer that operates as an open health insurer.
Background
RT Health began in 1889 when a group of railway workers at Sydney’s Eveleigh rail workshops formed a co-op. The co-op would help workers and their families pay for medical treatment if they became ill or were injured.
Eventually, the co-op became the Railway and Tramway Hospital Fund, which is Australia’s oldest registered health fund. It is now known as RT Health.
In 2016, RT Health took over Transport Health. Members of Transport Health are now insured by RT Health.
In 2021, Australia’s largest not-for-profit health fund HCF took over RT Health. It now operates as a subsidiary of HCF but still uses the RT Health brand.
Originally, RT Health restricted its membership to transport and energy sector employees and their families. It is now an open fund.
Who can join RT Health?
As RT Health is now an open insurer, anyone can join.
Does RT Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?
Yes. RT Health has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:
Location
Number of private Agreement Hospitals
Industry maximum
ACT
4
6
NSW
94
98
NT
2
2
QLD
49
60
SA
21
23
TAS
9
9
VIC
73
76
WA
21
24
RT Health alsohasagreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:
Is RT Health a member of any industry organisations?
Yes. The insurer is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.
Does RT Health let me claim online or via an app?
Yes. RT Health allows you to make a claim online using the RT Health mobile app.
