RT Health - a division of The Hospitals Contribution Fund

Basic Plus Starter Hospital $500 Excess and Healthy Choice Extras

Name: Basic Plus Starter Hospital $500 Excess and Healthy Choice Extras
Brand: RT Health - a division of The Hospitals Contribution Fund
Price: 358 AUD

$358.00 / month

(Before Rebate, Discount & Loading)

Available in SA

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 & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 21) and students (22 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependant 18-20

Policy ID: RTE/BHC/SGXA2D

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

$200 per person

combined limit for acupuncture & remedial massage

sub-limits apply

Initial visit: $32
Subsequent visit: $27

Chiropractic 2

$400 per person

combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services

Initial visit: $40
Subsequent visit: $31

Endodontic 12

$500 per person

combined limit for endodontic, general dental & major dental

Filling of one root canal: 60% of charge

General dental* 2

$500 per person

combined limit for endodontic, general dental & major dental

Fluoride treatment: 60% of charge
Scale & clean: 60% of charge
Periodic oral examination: 60% of charge

Health management / Healthy lifestyle 2

$300 per person up to $200 per service up to $600 per policy

sub-limits apply

Health management: 70% of charge

Major dental 12

$500 per person

combined limit for endodontic, general dental & major dental

Surgical tooth extraction: 60% of charge
Full crown veneered: 60% of charge

Non PBS pharmaceuticals 2

$400 per person up to $800 per policy

Per eligible prescription: $50

Optical* 2

$225 per person

Multi-focal lenses & frames: $225
Single vision lenses & frames: $225

Osteopathy 2

$400 per person

combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services

Initial visit: $44
Subsequent visit: $33

Physiotherapy 2

$400 per person

combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services

Initial visit: $42
Subsequent visit: $36

Podiatry 2

$400 per person

combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services

Initial visit: $37
Subsequent visit: $27

Remedial massage 2

$200 per person

combined limit for acupuncture & remedial massage

Initial visit: $32
Subsequent visit: $32

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $27}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $31}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $200 per service up to $600 per policy}

{sub-limits apply}

Examples of maximum benefits

{Health management: 70% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

Examples of maximum benefits

{Per eligible prescription: $50}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$225 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $225}

{Single vision lenses & frames: $225}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $44}

{Subsequent visit: $33}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $36}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic, osteopathy, physiotherapy, podiatry & other services}

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $27}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

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. Annual and service limits apply.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Dietetics/dietary advice

Exercise physiology

Eye therapy (orthoptics)

Hearing aids

Home nursing

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Psychology

Speech therapy

Vaccinations

Other features of this general treatment cover: Benefits available for Myotherapy. Health management / Healthy lifestyle includes approved weight loss, stress management and quit smoking programs, MRI Scans not claimable through Medicare & skin tests. Benefits for Tai Chi, Yoga and Pilates are payable at 100% of the cost, subject to applicable sub‑limits and conditions. Annual limits, sub‑limits and membership limits apply. Contact the fund for further details.

Ambulance cover

In SA 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 Healthy Choice Extras

$358.00 / month

(Before Rebate, Discount & Loading)

Available in SA

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/SGXA2D

Basic Plus Starter Hospital $500 Excess and Healthy Choice Extras

Policy ID: RTE/BHC/SGXA2D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

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