RT Health - a division of The Hospitals Contribution Fund

Gold Optimal Hospital $750 Excess and Smart Extras

Name: Gold Optimal Hospital $750 Excess and Smart Extras
Brand: RT Health - a division of The Hospitals Contribution Fund
Price: 1544.65 AUD

$1544.65 / month

(Before Rebate, Discount & Loading)

Available in QLD

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, including non-student dependants (3 or more people, only 2 of whom are adults).

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

Policy ID: RTE/GOHS/QHGZ2Y

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover.
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

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

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

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 $750 per person and $1500 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

Comprehensive hospital cover. Includes no excess for dependents under the age of 22, Involuntary Unemployment Assistance, Travel and accommodation benefits for hospital admission, and emergency ambulance trips. See fund rules for more information.

For further information about this policy see: https://www.rthealth.com.au/understanding-your-cover#HospitalCoverGuides

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

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

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $33
Subsequent visit: $28

Ante-natal/Post-natal classes 2

$200 per person up to $220 per policy

Initial visit: $20
Subsequent visit: $20

Audiology 2

$120 per person up to $240 per policy

Initial visit: $60
Subsequent visit: $60

Blood glucose monitors 12

$480 per person

sub-limits apply

Per monitor: 80% of charge

Chinese medicine 2

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

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $25
Subsequent visit: $20

Chiropractic 2

$400 per person up to $800 per policy

combined limit for chiropractic, osteopathy & other services

Initial visit: $43
Subsequent visit: $33

Dietetics/dietary advice 2

$400 per person up to $800 per policy

Initial visit: $45
Subsequent visit: $45

Endodontic 12

$1,200 per person up to $2,400 per policy

combined limit for endodontic & major dental

Filling of one root canal: $174

Exercise physiology 2

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

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $30
Subsequent visit: $30

Eye therapy (orthoptics) 2

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

Initial visit: $35
Subsequent visit: $30

General dental* 2

$1,000 per person up to $2,000 per policy

Fluoride treatment: $44
Scale & clean: $64
Surgical tooth extraction: $171
Periodic oral examination: $35

Health management / Healthy lifestyle 2

$150 per person up to $300 per policy

Health management: 100% of charge

Hearing aids 24

$900 per person

sub-limits apply

Hearing aid: $450

Home nursing 2

$450 per person up to $900 per policy

Initial visit: $20
Subsequent visit: $20

Major dental 12

$1,200 per person up to $2,400 per policy

combined limit for endodontic & major dental

Full crown veneered: $660

Non PBS pharmaceuticals 2

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

Per eligible prescription: $60

Occupational therapy 2

$400 per person up to $800 per policy

Initial visit: $50
Subsequent visit: $43

Optical* 2

$250 per person

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

Orthotics (podiatric orthoses) 12

$200 per person up to $280 per policy

Orthotics supply & fit: 100% of charge

Osteopathy 2

$400 per person up to $800 per policy

combined limit for chiropractic, osteopathy & other services

Initial visit: $47
Subsequent visit: $35

Physiotherapy 2

$450 per person up to $900 per policy

Initial visit: $50
Subsequent visit: $45

Podiatry 2

$400 per person up to $800 per policy

Initial visit: $40
Subsequent visit: $35

Psychology 2

$400 per person up to $800 per policy

Initial visit: $70
Subsequent visit: $55

Remedial massage 2

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

combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services

Initial visit: $35
Subsequent visit: $35

Speech therapy 2

$400 per person up to $800 per policy

Initial visit: $55
Subsequent visit: $45

Vaccinations 2

$150 per person

Per service: $50

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $28}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $220 per policy}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$120 per person up to $240 per policy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$480 per person}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: 80% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $20}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for chiropractic, osteopathy & other services}

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $33}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person up to $2,400 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $174}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Eye therapy (orthoptics)

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

{Initial visit: $35}

{Subsequent visit: $30}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

Examples of maximum benefits

{Fluoride treatment: $44}

{Scale & clean: $64}

{Surgical tooth extraction: $171}

{Periodic oral examination: $35}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

Examples of maximum benefits

{Health management: 100% of charge}

Hearing aids

Waiting period: 24 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $450}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person up to $2,400 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $660}

Non PBS pharmaceuticals

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

{Per eligible prescription: $60}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $43}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

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

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

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $280 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 100% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for chiropractic, osteopathy & other services}

Examples of maximum benefits

{Initial visit: $47}

{Subsequent visit: $35}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $900 per policy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $45}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $35}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $55}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for acupuncture, chinese medicine, exercise physiology, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

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

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $45}

Vaccinations

Waiting period: 2 months

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. Includes mental health services (psychology, approved counselling, mental health social worker and OCBT courses). Health aids include blood pressure monitors, CPAP machines & masks, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.

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

Orthodontic

Other features of this general treatment cover: Health management / Healthy lifestyle includes benefits towards gym membership and Tai Chi, Yoga & Pilates. Combined limit is $150 per person, $300 per membership per calendar year. For more details contact our member care team on 1300 886 123 or visit rthealthfund.com.au.

For further information about this policy see: https://www.rthealth.com.au/understanding-your-cover#HospitalCoverGuides

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: See your state government ambulance scheme.

For further information about this policy see: https://www.rthealth.com.au/understanding-your-cover#HospitalCoverGuides

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

Gold Optimal Hospital $750 Excess and Smart Extras

$1544.65 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/GOHS/QHGZ2Y

Gold Optimal Hospital $750 Excess and Smart Extras

Policy ID: RTE/GOHS/QHGZ2Y

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

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