RTHealth red logo

rt health insurance options

Are you an rt health fund member? Find out how you can save 40% on travel insurance.

Australia's first ever registered health fund, Railway & Transport Health Fund (rt health fund) is a not-for-profit fund that has been providing quality health cover for transport and energy industry employees and their families for more than 126 years.

Other types of cover available

As well as value-for-money health insurance, rt health fund also offers its members affordable life insurance through Zurich Australia and travel insurance through QBE Insurance.

Life insurance

rt health fund’s life insurance portfolio includes:

  • Ezicover Life Insurance. Pays a lump sum in the event of death or diagnosis of a terminal illness, where life expectancy is less than 12 months. It includes a Cash Advance Benefit towards funeral or other expenses and a Future Insurability and Inflation Protection Benefit.
  • Ezicover Funeral Advantage. Pays a lump sum in the event of death towards the cost of a funeral. It covers accidental death only in the first 12 months, after which it covers death from any cause.
  • Ezicover Accidental Death Insurance. Pays a lump sum in the event of accidental death, which is defined as death resulting from bodily injury caused by accidental, violent, external and visible means and occurring within three months of the injury being sustained.

Travel insurance

rt health fund’s travel insurance options include:

  • Annual Multi-Trip. Provides cover for unlimited domestic or international trips in a 12-month period, where trips are less than 60 days each. Includes medical and dental, evacuation and repatriation, cancellation and additional expenses.
  • International Comprehensive. Provides cover for medical and dental, evacuation and repatriation, cancellation, additional expenses and more.
  • Australian Comprehensive. Provides cover for cancellation or rearrangement costs, additional travel expenses, repatriation and other benefits for travel inside Australia.
  • Australian Cancellation. Provides limited cover for the non-refundable portion of prepaid travel arrangements or additional travel, accommodation and meals for travel inside Australia.
  • Inbound Travel Insurance. Provides cover for non-residents travelling to and within Australia on a temporary basis for medical and cancellation, loss or theft of luggage, rental vehicle insurance excess and more.

What are the benefits of Railway & Transport Health Fund Limited?

rt health fund is a mutual not-for-profit fund, which means it is owned by its members and exists only to provide members with the best possible health cover at the best possible price. Rather than paying dividends to shareholders or profits to overseas owners, rt health fund reinvests earnings into the fund to continually improve benefits and to keep premiums down.

Member benefits

rt health fund also provides its members with a variety of programs, services, discounts and incentives, including:

  • 40% discount on QBE travel insurance
  • Free life insurance cover for the first month
  • 10% discount on a second life policy where two applications are submitted and two policies issued at the same time
  • No excess for dependant children included in your hospital cover
  • Low-priced sole parent family cover that covers one adult and all the kids
  • 40% off frames, free digital retinal photography and a great range of designer and no-gap sunnies and glasses at rt health fund’s optical practices in Newcastle and Surry Hills. Plus a 20% discount on lenses, a 15% discount on non-prescription sunglasses and a 10% discount on contact lenses purchased in-store at OPSM and Laubman and Pank
  • A $300 preventive dental check-up with no out-of-pocket expenses for members with extras cover at rt health fund’s Surry Hills dental clinic
  • Free health management programs for rt members with hospital cover, including hospital at home (provides hospital-equivalent care in your own home) and a chronic disease prevention and management program (to help you improve or prevent chronic disease)
  • rt Families Foundation, a charitable organisation run by rt staff volunteers that provides assistance to families with medical care, medicine, treatment or equipment not covered by Medicare or private health cover

Compare your options and get health insurance today

Latest headlines

Picture: Shutterstock

Don Gribble

Don is a creative writer with extensive experience writing scripts, blogs, web content and ebooks. He enjoys writing because it allows him to know a little bit about a lot of subjects and to continue learning new things every day.

Was this content helpful to you? No  Yes

Related Posts

You might like these...

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, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site