Railway and Transport Health Fund extras cover review

Are you eligible for RT Health and looking for extras cover? Find out how it works.

Railway and Transport Health Fund (rt health) is a restricted health insurance provider, which means that only certain people can join. In this case, rt health covers current or former transport and energy workers, and their family members.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

The extras cover options

The three rt health extras options are:

  • Value Extras: Basic and affordable
  • Smart Extras: Balanced mid-level cover
  • Premium Extras: Comprehensive top cover
Value ExtrasSmart ExtrasPremium Extras
General dental
  • Up to $500 per person, $1,000 per membership
  • Up to $1,000 per person, $2,000 per membership
  • Unlimited
Major dental
  • No
  • Up to $1,200 per person, $2,400 per membership
  • Up to $1,500 per person
Orthodontics
  • No
  • No
  • 70% of the cost up to $3,000 lifetime limit
Optical
  • Yes
  • Yes
  • Yes
Physiotherapy
  • Yes
  • Yes
  • Yes
Chiropractic and osteopathy
  • Yes
  • Yes
  • Yes
Occupational therapy
  • Yes
  • Yes
  • Yes
Orthoptics (eye therapy)
  • Yes
  • Yes
  • Yes
Dietetics
  • Yes
  • Yes
  • Yes
Alternative and natural therapy consultations
  • Yes
  • Yes
  • Yes
Pharmaceuticals
  • Yes
  • Yes
  • Yes
Vaccines
  • Yes
  • Yes
  • Yes
Health services travel expenses
  • Yes
  • Yes
  • Yes
Health services accommodation expenses
  • No
  • Yes
  • Yes
Hearing aids
  • No
  • Yes
  • Yes
Other health aids and appliances
  • Yes
  • Yes
  • Yes
Audiology
  • No
  • Yes
  • Yes
Podiatry
  • No
  • Yes
  • Yes
Psychology
  • No
  • Yes
  • Yes
Hypnotherapy
  • No
  • Yes
  • Yes
Gym membership
  • No
  • Yes
  • Yes
Home nursing
  • No
  • Yes
  • Yes
Antenatal and postnatal nursing
  • No
  • Yes
  • Yes
School accidents
  • No
  • Yes
  • Yes

Additional benefits and features with rt health extras

When you’re with rt health you can get some additional benefits beyond what’s included in your plan, for example optical and dental care and insurance.

Optical Care

rt health operates optical practices in Surry Hills, Sydney, and Newcastle where members can get:

  • 40% off frames
  • Medicare bulk-billed comprehensive eye exams
  • Free digital retinal photography
  • A range of designer and no gap sunglasses and glasses
  • Chronic disease testing for diabetes, glaucoma, macular degeneration and cataracts

Meanwhile, all members with extras cover can also enjoy Optical Prescription Spectacle Makers (OPSM) and Laubman & Pank discounts of 20% off lenses, 15% off non-prescription sunglasses and 10% off contact lenses purchased in store.

Dental Care

rt health has a Surry Hills dental centre where members can get a $300 no-gap preventive dental check-up, within the annual limits of their plan, including:

  • Scaling and cleaning
  • Bite-wing x-rays, to detect decay between teeth
  • A panoramic OPG x-ray, to effectively scan all the teeth on the upper and lower jaw on a single film
  • Fluoride application to strengthen teeth
  • Intra-oral imaging to highlight any areas of decay or inflammation

Insurance

Thanks to rt health’s partnerships with QBE and Zurich you can get:

What makes rt health extras cover different?

  • You can claim up to 80% of the cost of certain health appliances with even the basic extras plan, while with many other health funds you would need to take out more comprehensive cover in order to get these benefits. For example, someone who uses appliances such as prosthetic limbs or other prostheses, blood pressure or blood glucose monitors, a TENS machine, nebuliser or wheelchair, and wants relatively affordable extras cover, might find the rt health Value Extras to be especially good value for the money.
  • The major dental cover found with Premium Extras is relatively generous, and may be especially suitable for families because there’s no overarching policy limit. Instead, it has an individual major dental limit of $1,500 per year. The $3,000 annual orthodontics allowance is also quite generous, so a family who needs extensive major dental cover for the children might find Premium Extras to be a cost-effective choice.
  • Compared with some other health funds, the optical benefits are straightforward. There are no sub-limits to worry about, so you can simply claim up to $200, $250 or $300 per year (depending on your plan) for prescription frames, lenses and contact lenses as needed, including irlen lenses.
  • If you are able to take advantage of the rt health dental centre in Sydney, or the optical centres centre in Sydney and Newcastle, then rt health might be well worth considering.

Limitations and waiting periods

Waiting periods apply to claims, and you may not be able to claim certain services right away.

  • 24 months: New hearing aids
  • 12 months: Health appliances, major dental, orthodontics
  • 3 months: Optical
  • 2 months: Hearing aid repairs and everything else

How to make claims

You can claim on the spot when receiving services from providers with a Health Industry Claims and Payments Service (HICAPS) electronic system. Simply swipe your membership card, and pay any difference yourself.

Alternatively, you can send in a claims form within two years of receiving a covered service.

How to pay premiums

You can pay premiums through direct debit, salary deduction or a monthly, quarterly, twice- yearly or yearly billing form.

Compare your health insurance options today

Picture: Shutterstock

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

Was this content helpful to you? No  Yes

Related Posts

Compare health insurance on finder.com.au

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site