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RT Health Fund Review

RT Health Fund is a not-for-profit fund that focuses on rail, transport and energy workers, so all money goes back to members.

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RT health insurance: Our verdict

RT is good if:

RT is not great if:

  • You're happy with a bare bones policy and don't mind that it's a not-for-profit health fund.

Review by our insurance and innovations editor Gary Rose Hunter

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What types of health insurance does RT offer?

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Hospital Coverage


  • Gold Optimum Hospital. No exclusions or restrictions; this policy covers up to 100% of the cost of treatment in the private or public hospital of your choice, and covers you for all 38 clinical categories.
  • Silver Plus Assure Hospital. Comprehensive cover that suits most people's needs. It doesn't cover you for procedures such as weight loss surgery, pregnancy, or assisted reproductive services so it's more affordable than Gold Optimum.
  • Bronze Plus Essential Hospital. Suited to the young and healthy, exclusions include joint replacement procedures and their revisions, kidney dialysis, spinal surgery and major eye surgery.
  • Bronze Plus Clasic Hospital. For those without any specific health issues or concerns. Available with a $350 or $700 excess, First Start covers you for some treatments of a public hospital or partnered private hospital and lets you choose your doctor.
  • Basic Plus Public Hospital. RT Basic Plus Public Hospital offers restricted benefits at a basic level of cover.

Extras coverage


There are three levels of extras cover, that can be purchased alongside hospital or as standalone products.

  • Premium Extras. This is RT Health's top-level extras cover option and it provides cover for general and major dental, orthodontics, optical, physiotherapy, chiropractic, occupational therapy, orthoptics, dietetics, audiology, podiatry, speech therapy, psychology, pharmaceuticals, vaccines, alternative therapies, home nursing, hearing aids, health aids and more.
  • Smart Extras. This mid-level policy option covers the same general treatments as a Premium Extras policy but does not provide as generous benefit limits. It also excludes orthodontics cover, creating a combination between a broad range of cover and affordability.
  • Value Extras. This entry-level extras cover option excludes a number of treatment types and features lower benefit limits. However, it still provides cover for general dental, optical, physio, chiropractic, occupational therapy, orthoptics, dietetics, alternative therapies, vaccines, pharmaceuticals, health aids and hearing aids.

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Ambulance coverage


All RT hospital policies can cover ambulance attendance and transportation depending on where you live. Residents of VIC, SA, WA, TAS, NT can get up to $5,000 per person per year for emergency ambulance attendance or transportation. RT Ambulance cover only applies where the state government scheme does not.

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RT health frequently asked questions

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