RT Health - a division of The Hospitals Contribution Fund

Basic Plus Starter Hospital $500 Excess and Value Extras

Name: Basic Plus Starter Hospital $500 Excess and Value Extras
Brand: RT Health - a division of The Hospitals Contribution Fund
Price: 192.68 AUD

$192.68 / month

(Before Rebate, Discount & Loading)

Available in NT

1300 886 123 Sponsor link

Go to site Sponsor link

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Policy ID: RTE/BHC/DGSJ20

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Dental surgery

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Hernia and appendix

Hospital psychiatric services

Joint reconstructions

Male reproductive system

Miscarriage and termination of pregnancy

Palliative care

Rehabilitation

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Heart and vascular system

Implantation of hearing devices

Insulin pumps

Joint replacements

Kidney and bladder

Lung and chest

Pain management

Pain management with device

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Skin

Sleep studies

Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth (obstetrics)
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

No excess for dependents under the age of 22.

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$300 per person up to $600 per policy

Initial visit: $31
Subsequent visit: $26

Blood glucose monitors 12

$300 per person

sub-limits apply

Per monitor: 80% of charge

Chiropractic 2

$300 per person up to $600 per policy

combined limit for chiropractic & osteopathy

Initial visit: $37
Subsequent visit: $30

Dietetics/dietary advice 2

$300 per person up to $600 per policy

Initial visit: $35
Subsequent visit: $35

Eye therapy (orthoptics) 2

$300 per person up to $600 per policy

Initial visit: $30
Subsequent visit: $25

General dental* 2

$500 per person up to $1,000 per policy

Fluoride treatment: $37
Scale & clean: $57
Surgical tooth extraction: $152
Periodic oral examination: $30

Non PBS pharmaceuticals 2

$300 per person up to $600 per policy

Per eligible prescription: $35

Occupational therapy 2

$300 per person up to $600 per policy

Initial visit: $38
Subsequent visit: $36

Optical* 2

$200 per person

Multi-focal lenses & frames: 100% of charge
Single vision lenses & frames: 100% of charge

Osteopathy 2

$300 per person up to $600 per policy

combined limit for chiropractic & osteopathy

Initial visit: $39
Subsequent visit: $31

Physiotherapy 2

$350 per person up to $700 per policy

Initial visit: $40
Subsequent visit: $35

Remedial massage 2

$200 per person up to $400 per policy

Initial visit: $30
Subsequent visit: $30

Vaccinations 0

$150 per person

Per service: $50

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

Examples of maximum benefits

{Initial visit: $31}

{Subsequent visit: $26}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: 80% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $25}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

Examples of maximum benefits

{Fluoride treatment: $37}

{Scale & clean: $57}

{Surgical tooth extraction: $152}

{Periodic oral examination: $30}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

Examples of maximum benefits

{Per eligible prescription: $35}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $36}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $31}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person up to $700 per policy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Vaccinations

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Per service: $50}

RT Health members pay no gap on a range of popular dental and optical services through HCF Dental or Optical Centres and the More for provider network. Health aids include blood pressure monitors, CPAP machines, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Audiology

Chinese medicine

Endodontic

Exercise physiology

Health management / Healthy lifestyle

Hearing aids

Home nursing

Major dental

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Ambulance cover

In NT this policy provides:

Emergency: With a waiting period of 1 day, limited to $5,000 per person per year.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Up to $5,000 per person per year for emergency ambulance attendance or transportation in the case of accident or illness. Cover applies anywhere in Australia. You can also purchase additional ambulance cover through a state government ambulance service.

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

Basic Plus Starter Hospital $500 Excess and Value Extras

$192.68 / month

(Before Rebate, Discount & Loading)

Available in NT

1300 886 123 Sponsor link

Go to site Sponsor link

RT Health - a division of The Hospitals Contribution Fund

http://www.rthealth.com.au

help@rthealth.com.au

1300 886 123

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/RTE/BHC/DGSJ20

Basic Plus Starter Hospital $500 Excess and Value Extras

Policy ID: RTE/BHC/DGSJ20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

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