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Insurer

rt health

Reviewed and updated 3 April 2024

About rt health

What is rt health?

rt Health is a private health insurer that operates as an open health fund

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 Australian oldest registered health fund. The fund is now known as 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 fund, anyone can join.

What products does rt health offer?

rt health offers:

Do rt health policies include Ambulance Cover?

rt health includes emergency Ambulance Cover with:

  • Hospital Cover
  • Extras Cover
  • Combined Hospital and Extras Cover.

However, in the following states and territories, your cover may be capped:

  • NT
  • SA
  • VIC
  • WA.

Check your policy to see whether your Ambulance Cover is capped.


Is rt health a not-for-profit health insurer?

Yes. rt Health is a not-for-profit health insurer. Its parent company HCF is also a not-for-profit insurer.


Does rt health operate in all Australian states and territories?

Yes. rt Health operates in all Australian states and territories.


How does rt health Hospital Cover compare with other insurers?

Benchmarksrt healthIndustry average
Member retention for Hospital CoverN/A88.6%
% hospital-related charges covered93.2%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


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:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT46
NSW9498
NT22
QLD4960
SA2123
TAS99
VIC7376
WA2124

RT Health also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT89
NSW86103
NT12
QLD4857
SA2430
TAS58
VIC6979
WA2024

Source: rt health: performance


How does rt health Extras Cover compare with other insurers?

Benchmarkrt healthIndustry average
% Extras Cover charges covered42.6%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does rt health compare with other private health insurers?

Benchmarksrt HealthIndustry average
Market shareN/A
% services with no gap93.5%88.8%
% services with no gap or where known gap payment made98.5%97.4%
Market share of complaints to the PHIO0.3%
% complaints investigated by the PHIO0.0%
Benefits as a % of contributions82.8%83.1%
Management expenses as a % of contribution income17.0%9.9%
Management expenses per average policy$744$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


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.


How to contact rt health

Phone:

1300 886 123

Website:

https://www.rthealthfund.com.au/

Email:

help@rthealthfund.com.au

Address:

Level 3
403 George Street
SYDNEY NSW 2000

Postal address:

PO Box 545
STRAWBERRY HILLS NSW 2012


Compare rt health with other private health insurers

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