RT Health - a division of The Hospitals Contribution Fund

Gold Ultimate Hospital $250 Excess and Deluxe Extras

Name: Gold Ultimate Hospital $250 Excess and Deluxe Extras
Brand: RT Health - a division of The Hospitals Contribution Fund
Price: 441.46 AUD

$441.46 / month

(Before Rebate, Discount & Loading)

Available in VIC

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: Only one person.

Policy ID: RTE/J3F/VFYF10

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

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 of $250 per admission. This is limited to a maximum of $250 per person 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

This cover does not charge an excess for day admissions. No excess for dependants 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

$600 per policy

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $38
Subsequent visit: $31

Audiology 2

$1,000 per policy

combined limit for audiology & hearing aids

Initial visit: $70
Subsequent visit: $70

Blood glucose monitors 12

$200 per service up to $400 per policy

sub-limits apply

Per monitor: $200

Chinese medicine 2

$600 per policy

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $37
Subsequent visit: $27

Chiropractic 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $47
Subsequent visit: $37

Dietetics/dietary advice 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $50
Subsequent visit: $50

Endodontic 12

$1,200 per policy

combined limit for endodontic, major dental & other services

Filling of one root canal: 60% of charge

Exercise physiology 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $40
Subsequent visit: $40

Eye therapy (orthoptics) 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $42
Subsequent visit: $32

General dental* 2

$800 per policy

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

Health management / Healthy lifestyle 2

$200 per service up to $300 per policy

sub-limits apply

Health management: 70% of charge

Hearing aids 24

$1,000 per policy

combined limit for audiology & hearing aids

Hearing aid: $1000

Home nursing 2

$400 per policy

Initial visit: $22
Subsequent visit: $22

Major dental 12

$1,200 per policy

combined limit for endodontic, major dental & other services

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

Non PBS pharmaceuticals 2

$400 per policy

Per eligible prescription: $50

Occupational therapy 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $52
Subsequent visit: $45

Optical* 2

$300 per policy

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

Orthodontic 12

$1,000 per policy

$2,500 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Orthotics (podiatric orthoses) 12

$200 per policy

Orthotics supply & fit: 80% of charge

Osteopathy 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $51
Subsequent visit: $39

Physiotherapy 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $58
Subsequent visit: $48

Podiatry 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $42
Subsequent visit: $32

Psychology 2

$550 per policy

Initial visit: $75
Subsequent visit: $60

Remedial massage 2

$600 per policy

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $40
Subsequent visit: $37

Speech therapy 2

$850 per policy

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services

Initial visit: $65
Subsequent visit: $55

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $38}

{Subsequent visit: $31}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology & hearing aids}

Examples of maximum benefits

{Initial visit: $70}

{Subsequent visit: $70}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

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

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $200}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $27}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $47}

{Subsequent visit: $37}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per policy}

{combined limit for endodontic, major dental & other services}

Examples of maximum benefits

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

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $32}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

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

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

{sub-limits apply}

Examples of maximum benefits

{Health management: 70% of charge}

Hearing aids

Waiting period: 24 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for audiology & hearing aids}

Examples of maximum benefits

{Hearing aid: $1000}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Initial visit: $22}

{Subsequent visit: $22}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per policy}

{combined limit for endodontic, major dental & other services}

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 policy}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $52}

{Subsequent visit: $45}

Optical*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

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

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

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{$2,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 80% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $51}

{Subsequent visit: $39}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $58}

{Subsequent visit: $48}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $32}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per policy}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $60}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per policy}

{combined limit for acupuncture, chinese medicine & remedial massage}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $37}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$850 per policy}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $55}

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

Ante-natal/Post-natal classes

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 VIC 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

Gold Ultimate Hospital $250 Excess and Deluxe Extras

$441.46 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J3F/VFYF10

Gold Ultimate Hospital $250 Excess and Deluxe Extras

Policy ID: RTE/J3F/VFYF10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

RT Health - a division of The Hospitals Contribution Fund

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