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We offer a simple range of great value health covers. They’re designed to make it easy for you to choose the right one for you and your family.
We’d love to welcome you and your family on board as new members of rt health and we’ll make the process as simple as we can for you.
When you call, you’ll always be answered by a person – not a machine. We won’t rush you off the phone. We’ll spend as much time with you as you need to make the right choices for you and your family.
Hi thereThanks for taking a look at rt health. We’ve been looking after Australians working in the transport and energy industries since 1889.If you currently work (or previously worked) in one of these industries, or have a family member with an industry connection, you may be eligible to join us.
1300 56 46 46 [email protected] / rthealthfund.com.au
If you’d rather
speak to a real person than
read through a brochure,
please give us a call on
1300 56 46 46.
Railway & Transport Health Fund Limited (ACN 087 648 744) (“rt health”). 0319/3354
Alison Weatherill, Key Account Manager
Health cover for transport and energy industry people 2
We’re here to help you, not to profit from youWe’re a not-for-profit health fund, which means our focus is on members, not overseas owners or investors.While most other players in the healthcare industry today are in business to make a profit from you, we’re only here to help and serve.
We’re as Aussie as a Bunnings snag, mate We’re 100% Australian owned and operated. When you give us a call, you’re speaking to a team member in Sydney or Brisbane.
We keep things simpleWe have a simple range of great value health covers to accommodate every budget. Our covers are designed to make it easy for you to choose the right one. It’s clear what you’re covered for (and how much you’ll get back when you make a claim).
We don’t ask you to start from the beginning When you switch to rt from another health fund, you won’t lose any time you’ve ‘built up’ with the other fund.As long as you join us within two months of leaving them, and take out a similar level of cover with us, your health cover won’t skip a beat.
We’re with you wherever you may be We’re a nationwide health fund, with contracts in place with almost every private hospital and day surgery in the country. No matter where you live, or where the road takes you, you’re covered all over Australia.
You’ll save on the excess for day surgeriesWith our Hospital covers, you save on the excess for day surgeries. Our Gold Premium Hospital cover has no excess at all on day surgeries and with Silver Plus Smart Hospital No Pregnancy and Bronze Plus Step Up Hospital covers, you pay just $100 day surgery excess. Dependents under the age of 21 don’t pay any excess for any hospital admissions.
We can help you stay out of hospitalOur Hospital covers give you free access to health management programs, designed to help you manage your health and give you more options when it comes to choosing the best type of care. We offer hospital substitution programs that deliver care and services in the home that would otherwise be provided only in hospital.
We help you save money by avoiding the gapsYou can call on Access Gap cover with all of our Hospital covers.Access Gap helps to reduce or eliminate your out-of-pocket costs for doctors’ fees when you are treated in hospital.
We give back to people in the community We’re a health fund with a big heart. Families foundation is an independent charity run on a volunteer basis by health fund staff, which assists with medical expenses which can’t be covered by Medicare or health insurance.
How can we help you?There are many health funds to choose from, so why join rt? We reckon these are 9 pretty good reasons.
Health cover for transport and energy industry people 43 1300 56 46 46 | [email protected] | rthealthfund.com.au
curtain giving you any privacy. Being in hospital can be a stressful enough experience without the added pressure of having to share a room with people you don’t know – and all their visitors – while you’re recuperating.
5. TaxIf you earn over a certainamount, you’re going tohave to either pay more tax,or take out private hospitalcover. Wouldn’t you ratherget something back for thatextra expense?People who earn over a set threshold each year, and who don’t have private hospital
cover, get charged an extra tax. It’s called the Medicare Levy Surcharge and it increases as your income does. To avoid paying more tax, take out Hospital cover. Read more about it on page 12.
6. Lifetime Health Cover Do you want to lock in the lowest possible price for your Hospital cover?A lot of young people say they plan to take out Hospital cover when they’re older, and more likely to need it. The trouble with this is, 1) it’s not only older people who get unexpectedly sick, or have an injury that requires hospital treatment, and 2) if you
don’t have private hospital cover by the 30th of June following your 31st birthday, you’ll get stuck with a government loading that you’ll have to pay for the next ten years. If you want to lock in the best price for your hospital cover, join when you’re younger and you’ll be paying less for it when you’re older. Read more about it on page 12.
Is health insurance new to you?This is a great spot to start if you’re not exactly sure about what it is, how it works, or whether it’s worth having.
Why have private health cover?People fall into one of four categories when it comes to health insurance:
1. They won’t risk being caughtwithout it.
2. They can’t see the point ofhealth insurance.
3. They think it’s a good thingto have but aren’t 100%convinced.
4. They assume that they justcan’t afford it.
In Australia, we have a very good public healthcare system. As Australian residents, we all get to use as much of it as we need. We pay for access to the public system through our income taxes, which can make it seem like we’re getting our healthcare for ‘free’, because we often don’t have to pay anything on the spot when we use it.
It’s a very, very good system, but it does have its limitations. For example, as a public patient, you may be limited in your choice of when you can be treated, where and by whom. There are also a range of
healthcare services that aren’t provided by the public system but are covered by private cover.
These are the top ten reasons why people who have private health insurance wouldn’t be caught without it. If any of these resonate with you, it might be time you joined us.
1. SecurityDo you sleep better at nightknowing you’ve taken careof ‘just in case’?Like other types of insurance, health insurance gives you the peace of mind that comes with knowing that if the unexpected happens, you’re covered. You have choices and options and are in control.
2. AccessWould you prefer to bein control of when you gointo hospital for treatment,rather than having to sit ona waiting list?While we may be entitled to go to a public hospital under Medicare, what we often can’t control is the timing. As a privately insured patient, you get into hospital faster. Industry
research shows that non-emergency public patients wait an average of more than 100 days for admission to hospital; privately insured people, on average, are admitted within a month.
3. ChoiceDo you want the ability tochoose who treats you oryour loved ones if you needto go to hospital?Most people wouldn’t dream of taking their car to any old mechanic, or even going to a hairdresser they don’t know – and yet they’d accept anydoctor that’s appointed to themas a public patient. If you’re abit fussy about who you’d wantoperating on you, private healthinsurance gives you the abilityto make that choice.
4. FacilitiesWould you be comfortablein a shared hospital ward orwould you prefer the privacyof your own room?Have you ever visited anyone in a public hospital? Imagine sitting in a room full of strangers, all with their own serious health issues, and only a thin blue
We’re here
to make things
easier for you.
5 1300 56 46 46 | [email protected] | rthealthfund.com.au Health cover for transport and energy industry people 6
7. RealityCan you really afford to self-insure?Some people say they prefer to self-insure by putting money aside for health-related expenses. The problem with this is that people generally have no idea what the costs of hospital procedures are. For example, did you know having a baby in a private hospital will set you back around $8,700; or that a knee replacement averages around $18,900? When you get to procedures like a heart bypass, you’re getting close to the $24,500 mark. That’s a lot of money to have to put aside for a rainy day.
8. ExtrasWho’s going to help you pay for those other very important healthcare costs?Apart from a very small number of services, there is no Medicare or other coverage for things like dental, optical, physio, chiro, podiatry, pharmaceuticals and the dozens of other things you’re covered for with Extras. If you’d like some assistance with those types of healthcare costs, private health insurance is the only way to go.
9. LifestyleWould you like a bit of support to help you live a healthy lifestyle?With Extras cover, you’re supported with great rebates on a wide range of treatments to help you take good care of your health. If you’d like a bit of help paying for things like Acupuncture, Swedish massage, Remedial massage, Exercise physiology, Chinese medicine, quitting smoking, travel vaccines and other treatments designed to keep you in good health, Extras cover is for you.
10. ControlBe the one in charge of making important decisions about your healthcare. Private health insurance gives you control over what happens to you. Even if you think the public health system is great and will suit you perfectly, with private health cover, you hold all the cards. If you choose to go public but you aren’t happy with the hospital – with the doctor or with the length of time you’ll have to wait – you’ve always got your health cover to call on. If you like the idea of being in control when it comes to your health, private health insurance is for you.
Why you don’t need to take a medical exam to join usIn Australia, everyone pays the same base price for health insurance. Unlike countries like the United States (where health insurers base premiums on risk factors such as age and health), we use community rating.
No health fund can charge one person more – or refuse to cover them – based on their health. It’s why we don’t ask you to take a medical exam when you sign up.
7 1300 56 46 46 | [email protected] | rthealthfund.com.au
This is summary information only. If you have specific questions about any of these programs, please give us a call.
You can also read much more on the Department of Health website, www.privatehealth.gov.au or the Australian Taxation Office website, www.ato.gov.au.
Private health insurance takes some of the burden off of Medicare. This is why the government actively encourages Australians to take out some form of Hospital cover. There are three key programs that they use to do this – one of them saves you money but two of them can cost you money, so it’s important to understand how they work.
1. The Australian Government Rebate on Private Health Insurance – the government pays part of the cost of your health cover for youDepending on your age, income and the number of dependent children you have, the government will chip in a portion of the cost of your health cover.
Anyone who earns under a set income threshold is entitled to receive the base rebate. As your income increases above the threshold, the amount of rebate you’re entitled to decreases. In other words, the more you earn, the lower the level of rebate you are eligible to receive. Most people receive the rebate up-front as a reduction in the cost of their health cover.
Visit the Department of Health website for more information and to find out which level of rebate applies to you. www.privatehealth.gov.au
2. The Medicare Levy Surcharge – an extra tax that higher income earners are charged if they don’t have private hospital cover Most of us pay a Medicare
Levy through our income tax. It helps to fund the public health system. People who earn over a certain amount, and don’t have private hospital cover, also pay an additional tax called the Medicare Levy Surcharge. The amount of the surcharge increases as your income increases: the higher your income, the higher the amount of surcharge you will pay if you don’t have private hospital cover.
Visit the Australian Taxation Office website for more information and, if you’re a higher income earner, to find out how much your Medicare Levy Surcharge will be if you choose not to have private hospital cover. www.ato.gov.au
3. Lifetime Health Cover – a government loading that is applied if you don’t have private hospital cover before the cut-off date Lifetime Health Cover is designed to encourage people to take out private hospital cover early in life and to keep it. If you join private hospital cover by the 30th of June following your 31st birthday, you pay the ‘base rate’ that the health fund offers. However, for every year you are over 31 and are not covered by
private hospital insurance, a 2% loading is added to your base rate. The loading only applies to Hospital cover, not Extras or Ambulance-only cover.
If you do get stuck with a loading, it’ll be yours for the next ten years. The loading will only be removed once you have held Hospital cover for ten continuous years.
Three government programs that can either cost or save you money.
Health cover for transport and energy industry people 109 1300 56 46 46 | [email protected] | rthealthfund.com.au
When you go to hospital, there are four different types of fees you can be charged and each of them is covered differently.
1. Hospital feesYou’ll be charged by the hospital for the use of its facilities. This includes the ward, the bed, your meals, the theatre or other treatment rooms, any equipment used in your treatment, the hospital’s nursing and other staff who care for you, and so on. In most cases, private hospital cover pays for up to 100% of the hospital’s costs.
2. Doctors’ feesThe doctors who treat you in hospital will each bill you for their services, and here’s where it can get complicated. Every type of medical procedure has what’s called an ‘item number’ associated with it. The government has specified what it thinks is an appropriate fee for each item in a list called the Medicare Benefits Schedule (MBS) of fees. When you are treated in hospital, Medicare will pay 75% of the MBS fee for each ‘item’ and private hospital cover pays the remaining 25%. You are 100% covered between
Medicare and private hospital cover for the MBS fee.
The problem is that doctors are not limited to only charging the MBS fee. They can charge any amount they want – and that’s where people can end up with out-of-pocket costs, even with Gold Premium Hospital cover.
We offer a program as part of all our Hospital covers that can help to reduce the likelihood of out-of-pocket costs: Access Gap cover. With Access Gap cover, you can ask your doctors to charge a set fee based on a different fee schedule, which is higher than the MBS fee but probably not as much as they might otherwise charge.
If they agree to use Access Gap cover, you will either have no out-of-pocket costs or you will know in advance what the costs will be. We can give you more information and assistance with this if you ever need to use your Hospital cover.
3. Prostheses and pharmaceutical feesThese include any medical devices that you might have implanted in hospital, such as cardiac devices, artificial hips, knees and the like, plus the medication you’re given in relation to your treatment in hospital. In most ordinary cases, these things are all 100% covered.
4. Ambulance feesYou’re also covered for emergency ambulance attendance and transportation. This includes when you call an ambulance and they take care of you on the spot, as well as when you are taken to hospital in an emergency situation. If you don’t plan on having Hospital cover, you can get a separate Ambulance-only cover.
The level of ambulance cover you have with rt is based on the state the policy is held in. If you live in a different state to the residential address of the policy please contact our team.
This is summary information only, so please speak with our team if you would like more details.
Hospital coverIt’s so much more than just Hospital cover. It should really be called ‘Hospital-Medical-Prostheses-Pharmaceutical-Ambulance’ cover.
What does private health cover pay for?When you join rt health, you can choose from three types of cover: Hospital, Extras or Ambulance-only cover. Most of our members choose a combination of Hospital and Extras cover.
Here’s what each type of health cover provides.
Health cover for transport and energy industry people 1211 1300 56 46 46 | [email protected] | rthealthfund.com.au
Extras helps to pay for things like dental, optical, physio, chiro, podiatry, speech therapy, audiology, natural therapies, artificial aids, vaccines, pharmaceuticals and so on.
It is not intended to give you a 100% rebate, but to help you with these costs by paying a benefit back each time you have a consultation or purchase certain items – it’s that little bit extra. The amount you’ll get back depends on the level of cover you choose.
It is specified in advance, so it’s easy to know how much you can expect each time you make a claim.
Extras coverExtras is intended to assist with the costs of healthcare services that aren’t provided by a doctor in hospital.
We are here to help pay for
those important extras.
13 1300 56 46 46 | [email protected] | rthealthfund.com.au Health cover for transport and energy industry people 14
1. If they are studying full time at an approved college or university, they can remain on your membership at no additional cost as a ‘student dependant’.
2. If they are working and you have Gold Premium Hospital cover, they can remain covered for an additional contribution
that’s only a fraction of what they’d pay for their own individual cover (this option is not available with any of our other covers).
Once they’re 25, it’s time for the kids to get their own cover. Thanks to your rt membership, they will be eligible to join. If they transfer to their own membership
with an equivalent level of cover – within two months of leaving yours – they can join with no waiting periods to serve.
A note about cover for your kidsIf your children are named on your cover, they can remain on your family or sole-parent family membership until their 21st birthday. After that, there are a couple of options for you to keep them covered up to their 25th birthday, provided they are not married or living in a de facto relationship.
1. Who do you want to cover?
FAMILIESCOUPLESSINGLES
or or
or
or
or
Making your health cover choice. There are a number of things to bear in mind when it comes to choosing the right health cover for you and your family.
1. Who do you want to cover?
2. What type of things might you need or want to be able to claim?
3. What level of cover do you want?
Health cover for transport and energy industry people 1615 1300 56 46 46 | [email protected] | rthealthfund.com.au
You can mix and match any level of Hospital cover with any level of Extras cover, depending on your needs.
The true value of health cover is not what you pay but what you get back. The cheapest level of cover isn’t always the right level of cover for your needs.
2. What type of things might you need or want to be able to claim?Our cover options are easy to understand, comprehensive and flexible. Our main range includes five levels of Hospital cover and three levels of Extras.
EXTRAS COVER RANGE
Premium Extras
Premium Extras is our top-level Extras cover, which gives you excellent benefits on a huge range of services for your health and wellbeing. It is a great cover for people who are high users of particular healthcare treatments or services and those who want the level of benefits that come with having top cover.
As our only Extras cover with benefits for orthodontic treatment, it’s the ideal choice for families with growing smiles.
Smart Extras
Smart Extras is our mid-level Extras cover, which gives you benefits on a huge range of services for your health and wellbeing. Smart Extras saves you dollars by excluding cover for orthodontic treatment.
Its benefits for different services are slightly lower than our Premium Extras cover, and most annual benefit limits are available ‘per membership’ rather than ‘per person’, so it’s well suited to singles, couples or families who are moderate users of healthcare services.
Value Extras
Value Extras is our lowest-level Extras cover, which gives you benefits on a range of services for your health and wellbeing.
This one leaves out orthodontics and major dental, but includes great general dental and a range of the most commonly used specialist and alternative therapies.
HOSPITAL COVER RANGE
Gold Premium Hospital (“Premium Hospital”)
Premium Hospital is our top-level Hospital cover. It gives you access to the doctor of your choice in the private or public hospital of your choice, including private room accommodation where it is available.
It comes with no exclusions and no restrictions. If Medicare pays a benefit on the procedure you’re having in hospital, then so does Premium Hospital.
Silver Plus Smart Hospital No Pregnancy(“Smart Hospital No Pregnancy”)
Smart Hospital No Pregnancy cover is a high level of Hospital cover, which gives you access to treatment by the doctor of your choice in the private or public hospital of your choice, including private room accommodation where it is available.
Smart Hospital No Pregnancy does not cover you for pregnancy and birth, assisted reproductive services or weight loss surgery. It only fully covers you for Hospital psychiatric services in a public hospital. If you elect to be treated in a private hospital, we will only pay minimum benefits and you will incur significant out-of-pocket expenses.
Bronze Plus Step Up Hospital(“Step Up Hospital”)
Step Up Hospital may suit you if you don’t have any specific health issues or concerns, but want a moderate level of cover. Step Up Hospital does not cover you for: Joint replacements, Dialysis for chronic kidney failure, Heart and vascular system, Cataracts, Pregnancy and birth, Assisted reproductive services and Weight loss surgery.
It only fully covers you for the following services when you are treated by the doctor of your choice in a public hospital: Hospital psychiatric services and Rehabilitation. If you elect to be treated in a private hospital, we will only pay minimum benefits and you will incur significant out-of-pocket expenses.
Bronze Plus First Start Hospital(“First Start Hospital”)
First Start Hospital is our entry-level Hospital cover. It is well suited to young people taking Hospital cover for the first time, who don’t have any specific health issues or concerns related to things that are excluded or restricted.
It does not cover you for: Joint replacements, Dialysis for chronic kidney failure, Heart and vascular system, Cataracts, Pregnancy and birth, Assisted reproductive services, Weight loss surgery, Insulin Pumps, Back, neck and spine, Plastic and reconstructive surgery (medically necessary).
It only fully covers you for the following services when you are treated by the doctor of your choice in a public hospital: Hospital psychiatric services and Rehabilitation. If you elect to be treated in a private hospital, we will only pay minimum benefits and you will incur significant out-of-pocket expenses.
Basic Plus Public Hospital(“Public Hospital”)
Public Hospital cover enables you to be treated by the doctor of your choice; however, you are only covered for treatment in a public hospital, not a private hospital. It is a very comprehensive cover, which does not have any treatment exclusions.
This is only a summary overview. For comprehensive cover information, please read our cover guides which are available on our website. You can also give our team a call.
Health cover for transport and energy industry people 1817 1300 56 46 46 | [email protected] | rthealthfund.com.au
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LDst
ate
gove
rnm
enta
mbu
lanc
esc
hem
e.C
over
appl
ies
anyw
here
inA
ustra
lia.
Hos
pita
l at H
ome
Offe
rs a
n al
tern
ativ
e to
a h
ospi
tal a
dmis
sion
or e
nabl
es y
ou to
leav
e ho
spita
l ear
ly a
nd re
ceiv
e tre
atm
ent i
n yo
ur o
wn
hom
e.Tr
avel
and
Acc
omm
odat
ion
Acc
ess
Gap
cov
erH
elps
you
redu
ce o
r elim
inat
e yo
ur o
ut-o
f-po
cket
cos
ts fo
r doc
tors
’ fee
s w
hen
you
are
treat
ed in
hos
pita
l.
Acc
iden
ts1
day
Gen
eral
ser
vice
s2
mon
ths
Ho
spit
al p
sych
iatr
ic s
ervi
ces,
re
hab
ilita
tio
n an
d p
allia
tive
car
e
2 m
onth
sP
rivat
e H
ealth
Insu
ranc
e Le
gisl
atio
n al
low
s a
one
off w
aive
r for
psy
chia
tric
ser
vice
s in
som
e ci
rcum
stan
ces
plea
se c
onta
ct o
ur te
am fo
r det
ails
.
Pre
-exi
stin
g c
ond
itio
nsA
pre
-exi
stin
g co
nditi
on is
‘an
ailm
ent
or il
lnes
s, t
he s
igns
or
sym
pto
ms
of
whi
ch w
ere
in e
xist
ence
at
any
time
dur
ing
the
six
mon
ths
pre
ced
ing
the
day
on
whi
ch t
he m
emb
er jo
ined
the
fu
nd o
r up
grad
ed t
o a
high
er le
vel
of c
over
’. If
you
have
a m
edic
al
cond
ition
at
the
time
you
join
rt,
or u
pgr
ade
your
exi
stin
g rt
Hos
pita
l co
ver,
you
may
hav
e to
ser
ve t
he
wai
ting
per
iod
for
pre
-exi
stin
g
cond
ition
s. If
a c
laim
look
s lik
e it
may
rel
ate
to a
pre
-exi
stin
g
cond
ition
, a m
edic
al a
dvi
sor
or
pra
ctiti
oner
ap
poi
nted
by
us w
ill
exam
ine
info
rmat
ion
pro
vid
ed b
y yo
ur d
octo
r/s
and
any
oth
er m
ater
ial
rele
vant
to
the
clai
m, a
nd w
ill m
ake
a d
eter
min
atio
n as
to
whe
ther
the
co
nditi
on is
pre
-exi
stin
g or
not
.
12 m
onth
s
Pre
gna
ncy
and
bir
th a
nd A
ssis
ted
re
pro
duc
tive
serv
ices
12 m
onth
s
This
is o
nly
a su
mm
ary
over
view
. For
com
preh
ensi
ve c
over
info
rmat
ion,
ple
ase
read
our
cov
er g
uide
s w
hich
are
ava
ilabl
e on
our
web
site
. Yo
u ca
n al
so g
ive
our
team
a c
all o
n 13
00 8
86 1
23.
Wha
t lev
elof
cove
rdo
you
wan
t?
1300
5646
46
|joi
n@rt
heal
thfu
nd.c
om.a
u|r
thea
lthfu
nd.c
om.a
u
*The
info
rmat
ion
cont
aine
d in
this
fact
she
et is
gen
eral
info
rmat
ion
abou
t rt’s
insu
ranc
e se
rvic
es a
nd p
rodu
cts,
and
pro
vide
s a
sum
mar
y of
our
cov
ers.
rt t
akes
car
e to
ens
ure
the
info
rmat
ion
foun
d in
it is
com
plet
e an
d ac
cura
te. T
he in
form
atio
n do
es n
ot, h
owev
er, r
epre
sent
the
com
plet
e lis
t of c
over
, wai
ting
perio
ds
te a
s of
01.
05.2
021,
ple
ase
chec
k w
ith u
s be
fore
you
join
to
ensu
re it
is s
till v
alid
.
*You
r lev
elof
ambu
lanc
e co
ver i
sba
sed
on th
e st
ate
the
polic
yis
hel
d in
. If y
ou liv
e in
adi
ffere
nt s
tate
to th
e re
side
ntia
l add
ress
of t
he p
olic
ypl
ease
con
tact
our
team
.
WA
ITIN
G P
ER
IOD
S
CH
OO
SE
YO
UR
HO
SP
ITA
L C
OV
ER
Go
ldP
rem
ium
H
osp
ital
Silv
erP
lus
Ho
spit
al N
o
Pre
gna
ncy
Bro
nze
Plu
s S
tep
Up
Ho
spita
lB
ronz
eP
lus
Firs
tSta
rtH
ospi
tal
Bas
icP
lus
Pub
licH
osp
ital
Exc
ess
op
tio
nsA
nex
cess
isan
amou
ntof
mon
ey
that
you
agre
eto
pay
toa
hosp
ital
bef
ore
your
heal
thin
sura
nce
kick
s in
.You
choo
seto
pay
anex
cess
in
retu
rnfo
ra
low
erp
rem
ium
.Ify
ou
do
not
goto
hosp
ital,
you
will
not
have
to p
ayth
eex
cess
.Ify
oud
o
goto
hosp
ital,
your
chos
enex
cess
is
pay
able
onc
ein
any
cale
ndar
ye
arw
hen
anad
ult
cove
red
by
your
m
emb
ers h
ipgo
esin
toho
spita
l. D
epen
den
tch
ildre
nun
der
the
age
of
21d
ono
tp
ayan
yex
cess
.
$250
exce
ss$5
00ex
cess
$750
exce
ss
No
exce
ssap
plie
s fo
rday
surg
ery
proc
edur
es.
$500
exce
ss$7
50ex
cess
$350
exce
ss$7
00ex
cess
$350
exce
ss$7
00ex
cess
No
exce
ssop
tions
ava
ilabl
e
$100
exce
ssap
plie
sfo
rday
surg
ery
proc
edur
es.
Exc
lusi
ons
Thes
ear
eth
ings
that
you
will
not
be
cove
red
for.
No
excl
usio
ns
If M
edic
are
pays
proc
edur
e yo
u’re
havi
ng in
hos
pita
l,th
en s
o do
esG
old
Pre
miu
m
Hos
pita
l.
You
will
not b
e co
vere
d fo
r:
•P
regn
ancy
and
birt
h evitcudorperdetsiss
A•
surg
ery
yregrusssolthgie
W•
You
will
not b
e co
vere
d fo
r:
stnemecalpertnioJ
•
cinorhcrof
sisylaiD
•ki
dney
failu
re
htribdna
ycnangerP
•
detsissA
•re
prod
uctiv
ese
rvic
es yregrusssolthgie
W•
ralucsavdnatrae
H•
syst
em
stcarataC
•
You
will
not b
e co
vere
d fo
r:
•Jo
int
•In
sulin
pum
ps
repl
acem
ents cinorhc
rofsisylai
D•
eruliafyendik
•P
regn
ancy
and
birt
h
detsissA
•re
prod
uctiv
ese
rvic
es
•W
eigh
t los
s su
rger
y ralucsavdnatrae
H•
syst
em
•C
atar
acts
Bac
k, n
eck
and
spin
e•
dnacitsal
P•
reco
nstr
uctiv
esu
rger
y (m
edic
ally
nece
ssar
y)
No
excl
usio
ns
If M
edic
are
pays
proc
edur
e yo
u’re
ha
ving
in h
ospi
tal,
then
so
does
Bas
ic
Plu
s P
ublic
Hos
pita
l.
All
trea
tmen
ts a
re
cove
red
in a
sha
red
war
d of
a p
ublic
ho
spita
l.
Res
tric
tio
nsTh
ese
are
thin
gsyo
uar
eco
vere
d
for
asa
priv
ate
pat
ient
ina
pub
lic
hosp
ital.
Ina
priv
ate
hosp
ital,
you
poc
ket
exp
ense
s.
No
rest
rictio
nscirtaihcysplatipso
H•
serv
ices
cirtaihcysplatipsoH
•se
rvic
es
noitatilibaheR
•
cirtaihcysplatipsoH
•se
rvic
es
noitatilibaheR
•
No
rest
rictio
ns
Am
bul
ance
att
end
ance
an
d t
rans
po
rtat
ion
Res
iden
tsof
VIC
,SA
,WA
,TA
S,N
T–
upto
$5,0
00pe
r per
son
pery
earf
orem
erge
ncy
ambu
lanc
e at
tend
ance
or
trans
porta
tion
inth
eca
seof
acc
iden
tor i
llnes
s.C
over
appl
ies
anyw
here
inA
ustra
lia.R
esid
ents
ofTa
sman
iaar
e co
vere
dby
a re
cipr
ocal
sta
tego
vern
men
tam
bula
nce
sche
me
inal
l sta
tes
exce
ptQ
LDan
dS
A,s
oou
ram
bula
nce
cove
r onl
yap
plie
sw
here
th
est
ate
gove
rnm
ents
chem
edo
esno
t.Yo
uca
nal
sopu
rcha
sead
ditio
nal a
mbu
lanc
eco
ver t
hrou
gh a
stat
ego
vern
men
t am
bula
nce
serv
ice.
Res
iden
tsof
NS
Wor
the
AC
T–
unlim
ited
cove
rfor
emer
genc
y am
bula
nce
atte
ndan
cean
d tra
nspo
rtatio
n,an
dm
edic
ally
ne
cess
ary,
non
-em
erge
ncy
ambu
lanc
etra
nspo
rtatio
n.Th
ese
rvic
em
ustb
epr
ovid
edby
a st
ate
gove
rnm
ento
pera
ted,
au
thor
ised
, ora
ppro
ved
ambu
lanc
esc
hem
e.C
over
appl
ies
anyw
here
in A
ustra
lia.
Res
iden
tsof
QLD
–un
limite
dco
ver u
nder
aQ
LDst
ate
gove
rnm
enta
mbu
lanc
esc
hem
e.C
over
appl
ies
anyw
here
inA
ustra
lia.
Hos
pita
lat H
ome
Offe
rsan
alte
rnat
ive
toa
hosp
ital a
dmis
sion
oren
able
s yo
uto
leav
eho
spita
lear
lyan
dre
ceiv
etre
atm
enti
n yo
urow
nho
me.
Trav
elan
dA
ccom
mod
atio
n
Acc
ess
Gap
cove
rH
elps
you
redu
ceor
elim
inat
eyo
urou
t-of
-poc
ketc
osts
ford
octo
rs’f
ees
whe
n yo
uar
etre
ated
in h
ospi
tal.
Acc
iden
ts1
day
Gen
eral
ser
vice
s2
mon
ths
Ho
spit
al p
sych
iatr
ic s
ervi
ces,
re
hab
ilita
tio
n an
d p
allia
tive
car
e
2m
onth
sP
rivat
eH
ealth
Insu
ranc
eLe
gisl
atio
n al
low
sa
one
offw
aive
r for
psy
chia
tric
serv
ices
inso
me
circ
umst
ance
s pl
ease
cont
acto
urte
amfo
rdet
ails
.
Pre
-exi
stin
g c
ond
itio
nsA
pre
-exi
stin
gco
nditi
onis
‘an
ailm
ent
or il
lnes
s,th
esi
gns
orsy
mp
tom
sof
w
hich
wer
ein
exis
tenc
eat
any
time
dur
ing
the
six
mon
ths
pre
ced
ing
the
day
onw
hich
the
mem
ber
join
edth
e fu
nd o
rup
grad
edto
ahi
gher
leve
l of
cove
r’.I
fyou
have
am
edic
al
cond
ition
atth
etim
eyo
ujo
inrt
,or
upgr
ade
your
exis
ting
rtH
osp
ital
cove
r, yo
um
ayha
veto
serv
eth
e w
aitin
gp
erio
d fo
rp
re-e
xist
ing
co
nditi
ons.
Ifa
clai
mlo
oks
like
itm
ayre
late
toa
pre
-exi
stin
g
cond
ition
,am
edic
alad
viso
ror
p
ract
ition
erap
poi
nted
by
usw
ill
exam
ine
info
rmat
ion
pro
vid
edb
y yo
urd
octo
r/s
and
any
othe
rm
ater
ial
rele
vant
toth
ecl
aim
,and
will
mak
e a
det
erm
inat
ion
asto
whe
ther
the
cond
ition
isp
re-e
xist
ing
orno
t.
12m
onth
s
Pre
gna
ncy
and
bir
th a
ndA
ssis
ted
re
pro
duc
tive
serv
ices
12m
onth
s
This
is o
nly
a su
mm
ary
over
view
. For
com
preh
ensi
ve c
over
info
rmat
ion,
ple
ase
read
our
cov
er g
uide
s w
hich
are
ava
ilabl
e on
our
web
site
. Yo
u ca
n al
so g
ive
our
team
a c
all o
n 13
00 8
86 1
23.
Wha
t lev
elof
cove
rdo
you
wan
t?
130
0 56
46
46 |
join
@rt
heal
thfu
nd.c
om.a
u | r
thea
lthfu
nd.c
om.a
u
*The
info
rmat
ion
cont
aine
d in
this
fact
she
et is
gen
eral
info
rmat
ion
abou
t rt’s
insu
ranc
e se
rvic
es a
nd p
rodu
cts,
and
pro
vide
s a
sum
mar
y of
our
cov
ers.
rt t
akes
car
e to
ens
ure
the
info
rmat
ion
foun
d in
it is
com
plet
e an
d ac
cura
te. T
he in
form
atio
n do
es n
ot, h
owev
er, r
epre
sent
the
com
plet
e lis
t of c
over
, wai
ting
perio
ds
te a
s of
01.
05.2
021,
ple
ase
chec
k w
ith u
s be
fore
you
join
to
ensu
re it
is s
till v
alid
.
*You
r lev
elof
ambu
lanc
e co
ver i
sba
sed
on th
e st
ate
the
polic
yis
hel
d in
. If y
ou liv
e in
adi
ffere
nt s
tate
to th
e re
side
ntia
l add
ress
of t
he p
olic
ypl
ease
con
tact
our
team
.
WA
ITIN
G P
ER
IOD
S
CH
OO
SE
YO
UR
HO
SP
ITA
L C
OV
ER
Go
ld P
rem
ium
H
osp
ital
Silv
er P
lus
Ho
spit
al N
o
Pre
gna
ncy
Bro
nze
Plu
s S
tep
Up
Ho
spita
lB
ronz
e P
lus
Firs
t Sta
rt H
ospi
tal
Bas
ic P
lus
Pub
lic H
osp
ital
Exc
ess
op
tio
nsA
n ex
cess
is a
n am
ount
of m
oney
th
at y
ou a
gree
to
pay
to
a ho
spita
l b
efor
e yo
ur h
ealth
insu
ranc
e ki
cks
in. Y
ou c
hoos
e to
pay
an
exce
ss in
re
turn
for
a lo
wer
pre
miu
m. I
f you
d
o no
t go
to
hosp
ital,
you
will
not
ha
ve t
o p
ay t
he e
xces
s. If
you
do
go
to
hosp
ital,
your
cho
sen
exce
ss
is p
ayab
le o
nce
in a
ny c
alen
dar
ye
ar w
hen
an a
dul
t co
vere
d b
y yo
ur
mem
ber
ship
goe
s in
to h
osp
ital.
Dep
end
ent
child
ren
und
er t
he a
ge o
f 21
do
not
pay
any
exc
ess.
$250
exc
ess
$500
exc
ess
$7
50 e
xces
s
No
exce
ss a
pplie
s fo
r day
sur
gery
pr
oced
ures
.
$500
exc
ess
$750
exc
ess
$350
exc
ess
$700
exc
ess
$350
exc
ess
$700
exc
ess
No
exce
ssop
tions
ava
ilabl
e
$100
exc
ess
appl
ies
for d
ay s
urge
ry p
roce
dure
s.
Exc
lusi
ons
Thes
e ar
e th
ings
tha
t yo
u w
illno
t b
e co
vere
d fo
r.
No
excl
usio
ns
If M
edic
are
pays
proc
edur
e yo
u’re
havi
ng in
hos
pita
l,th
en s
o do
esG
old
Pre
miu
m
Hos
pita
l.
You
will
not b
e co
vere
d fo
r:
• P
regn
ancy
and
birt
h
evitcudorper detsissA •su
rger
y
yregrus ssol thgieW •
You
will
not b
e co
vere
d fo
r:
stnemecalper tnioJ
•
cinorhc rof sisylaiD
•ki
dney
failu
re
htrib dna ycnangerP
•
detsissA •re
prod
uctiv
e se
rvic
es yregrus ssol thgieW
•
ralucsav dna traeH
•sy
stem
stcarataC
•
You
will
not b
e co
vere
d fo
r:
•Jo
int
•In
sulin
pum
ps
repl
acem
ents cinorhc rof sisylai
D •
eruliaf yend ik
•P
regn
ancy
and
birt
h
detsissA •re
prod
uctiv
e se
rvic
es
•W
eigh
t los
s su
rger
y ralucsav dna traeH
•sy
stem
•C
atar
acts
Bac
k, n
eck
and
spin
e
•
dna citsalP
•re
cons
truc
tive
surg
ery
(med
ical
lyne
cess
ary)
No
excl
usio
ns
If M
edic
are
pays
proc
edur
e yo
u’re
ha
ving
in h
ospi
tal,
then
so
does
Bas
ic
Plu
s P
ublic
Hos
pita
l.
All
trea
tmen
ts a
re
cove
red
in a
sha
red
war
d of
a p
ublic
ho
spita
l.
Res
tric
tio
nsTh
ese
are
thin
gs y
ou a
re c
over
ed
for
as a
priv
ate
pat
ient
in a
pub
lic
hosp
ital.
In a
priv
ate
hosp
ital,
you
poc
ket
exp
ense
s.
No
rest
rictio
nscirtaihcysp latipso
H •se
rvic
escirtaihcysp latipso
H •
serv
ices
noitatilibaheR
•
cirtaihcysp latipsoH
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rvic
es
noitatilibaheR •
No
rest
rictio
ns
Am
bul
ance
att
end
ance
an
d t
rans
po
rtat
ion
Res
iden
ts o
f VIC
, SA
, WA
, TA
S, N
T –
up to
$5,
000
per p
erso
n pe
r yea
r for
em
erge
ncy
ambu
lanc
e at
tend
ance
or
trans
porta
tion
inth
eca
seof
acc
iden
tor i
llnes
s.C
over
appl
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anyw
here
inA
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lia.R
esid
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ofTa
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a re
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sta
tego
vern
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tam
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me
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l sta
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exce
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bula
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r onl
yap
plie
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here
th
est
ate
gove
rnm
ents
chem
edo
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t.Yo
uca
nal
sopu
rcha
sead
ditio
nal a
mbu
lanc
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ver t
hrou
gh a
stat
ego
vern
men
t am
bula
nce
serv
ice.
Res
iden
tsof
NS
Wor
the
AC
T–
unlim
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cove
rfor
emer
genc
y am
bula
nce
atte
ndan
cean
d tra
nspo
rtatio
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ally
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cess
ary,
non
-em
erge
ncy
ambu
lanc
etra
nspo
rtatio
n.Th
ese
rvic
em
ustb
epr
ovid
edby
a st
ate
gove
rnm
ento
pera
ted,
au
thor
ised
, ora
ppro
ved
ambu
lanc
esc
hem
e.C
over
appl
ies
anyw
here
in A
ustra
lia.
Res
iden
tsof
QLD
–un
limite
dco
ver u
nder
aQ
LDst
ate
gove
rnm
enta
mbu
lanc
esc
hem
e.C
over
appl
ies
anyw
here
inA
ustra
lia.
Hos
pita
lat H
ome
Offe
rsan
alte
rnat
ive
toa
hosp
ital a
dmis
sion
oren
able
s yo
uto
leav
eho
spita
lear
lyan
dre
ceiv
etre
atm
enti
n yo
urow
nho
me.
Trav
elan
dA
ccom
mod
atio
n
Acc
ess
Gap
cove
rH
elps
you
redu
ceor
elim
inat
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urou
t-of
-poc
ketc
osts
ford
octo
rs’f
ees
whe
n yo
uar
etre
ated
in h
ospi
tal.
Acc
iden
ts1
day
Gen
eral
ser
vice
s2
mon
ths
Ho
spit
al p
sych
iatr
ic s
ervi
ces,
re
hab
ilita
tio
n an
d p
allia
tive
car
e
2m
onth
sP
rivat
eH
ealth
Insu
ranc
eLe
gisl
atio
n al
low
sa
one
offw
aive
r for
psy
chia
tric
serv
ices
inso
me
circ
umst
ance
s pl
ease
cont
acto
urte
amfo
rdet
ails
.
Pre
-exi
stin
g c
ond
itio
nsA
pre
-exi
stin
gco
nditi
onis
‘an
ailm
ent
or il
lnes
s,th
esi
gns
orsy
mp
tom
sof
w
hich
wer
ein
exis
tenc
eat
any
time
dur
ing
the
six
mon
ths
pre
ced
ing
the
day
onw
hich
the
mem
ber
join
edth
e fu
nd o
rup
grad
edto
ahi
gher
leve
l of
cove
r’.I
fyou
have
am
edic
al
cond
ition
atth
etim
eyo
ujo
inrt
,or
upgr
ade
your
exis
ting
rtH
osp
ital
cove
r, yo
um
ayha
veto
serv
eth
e w
aitin
gp
erio
d fo
rp
re-e
xist
ing
co
nditi
ons.
Ifa
clai
mlo
oks
like
itm
ayre
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pre
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stin
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ition
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edic
alad
viso
ror
p
ract
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nted
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ill
exam
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info
rmat
ion
pro
vid
edb
y yo
urd
octo
r/s
and
any
othe
rm
ater
ial
rele
vant
toth
ecl
aim
,and
will
mak
e a
det
erm
inat
ion
asto
whe
ther
the
cond
ition
isp
re-e
xist
ing
orno
t.
12m
onth
s
Pre
gna
ncy
and
bir
th a
ndA
ssis
ted
re
pro
duc
tive
serv
ices
12m
onth
s
This
is o
nly
a su
mm
ary
over
view
. For
com
preh
ensi
ve c
over
info
rmat
ion,
ple
ase
read
our
cov
er g
uide
s w
hich
are
ava
ilabl
e on
our
web
site
. Yo
u ca
n al
so g
ive
our
team
a c
all o
n 13
00 8
86 1
23.
3. W
hat l
evel
of c
ove
r do
you
wan
t?
1300
5646
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thea
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info
rmat
ion
cont
aine
d in
this
fact
she
et is
gen
eral
info
rmat
ion
abou
t rt’s
insu
ranc
e se
rvic
es a
nd p
rodu
cts,
and
pro
vide
s a
sum
mar
y of
our
cov
ers.
rt t
akes
car
e to
ens
ure
the
info
rmat
ion
foun
d in
it is
com
plet
e an
d ac
cura
te. T
he in
form
atio
n do
es n
ot, h
owev
er, r
epre
sent
the
com
plet
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t of c
over
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ting
perio
ds
te a
s of
01.
05.2
021,
ple
ase
chec
k w
ith u
s be
fore
you
join
to
ensu
re it
is s
till v
alid
.
*You
r lev
elof
ambu
lanc
e co
ver i
sba
sed
on th
e st
ate
the
polic
yis
hel
d in
. If y
ou liv
e in
adi
ffere
nt s
tate
to th
e re
side
ntia
l add
ress
of t
he p
olic
ypl
ease
con
tact
our
team
.
WA
ITIN
G P
ER
IOD
S
Am
bul
ance
att
end
ance
an
d t
rans
po
rtat
ion
Ben
efits
for a
mbu
lanc
e ar
e pa
id w
hen
the
serv
ice
is p
rovi
ded
by a
sta
te g
over
nmen
t ope
rate
d, a
utho
rised
or a
ppro
ved
am
bula
nce
sche
me.
Res
iden
ts o
f VIC
, SA
, WA
, TA
S, N
T– u
nlim
ited
cove
r for
em
erge
ncy
ambu
lanc
e tra
nspo
rtatio
n in
the
case
of a
ccid
ent o
r illn
ess.
C
over
app
lies
anyw
here
in A
ustra
lia. R
esid
ents
of T
asm
ania
are
cov
ered
by
a re
cipr
ocal
sta
te g
over
nmen
t am
bula
nce
sche
me
in a
ll sta
tes
exce
pt Q
LD a
nd S
A, s
o ou
r Am
bula
nce
cove
r onl
y ap
plie
s w
here
the
stat
e go
vern
men
t sch
eme
does
not
. You
can
al
so p
urch
ase
addi
tiona
l Am
bula
nce
cove
r thr
ough
a s
tate
gov
ernm
ent a
mbu
lanc
e se
rvic
e.
Res
iden
ts o
f NS
W o
r the
AC
T –
unlim
ited
cove
r for
em
erge
ncy
trans
porta
tion,
and
med
ical
ly n
eces
sary
non
-em
erge
ncy
trans
porta
tion.
Cov
er a
pplie
s an
ywhe
re in
Aus
tralia
. Ple
ase
cont
act t
he fu
nd p
rior t
o us
ing
any
non-
emer
genc
y pa
tient
tra
nspo
rtatio
n su
pplie
d by
a h
ospi
tal f
or in
ter-h
ospi
tal t
rans
fers
.
Res
iden
ts o
f QLD
– u
nlim
ited
cove
r und
er a
QLD
sta
te g
over
nmen
t am
bula
nce
sche
me
for e
mer
genc
y tra
nspo
rtatio
n, a
nd
med
ical
ly n
eces
sary
non
-em
erge
ncy
trans
porta
tion.
Cov
er a
pplie
s an
ywhe
re in
Aus
tralia
. Con
tact
the
QLD
sta
te g
over
nmen
t am
bula
nce
prov
ider
for m
ore
info
rmat
ion.
*You
r lev
el o
f am
bula
nce
cove
r is
base
d on
the
stat
e th
e po
licy
is h
eld
in. I
f you
live
in a
diffe
rent
sta
te to
the
resi
dent
ial a
ddre
ss o
f the
pol
icy
plea
se c
onta
ct o
ur te
am.
Silv
er P
lus
Sm
art
Ho
spit
alN
o P
reg
nanc
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CH
OO
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YO
UR
EX
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bene
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low
are
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ann
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cal
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ther
for e
ach
pers
on c
over
ed
(per
son)
or s
hare
d by
eve
ryon
e on
the
mem
bers
hip
(mem
bers
hip)
.
Pre
miu
m E
xtra
sS
mar
t E
xtra
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lue
Ext
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Wai
ting
p
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d
Gen
eral
den
tal
U
nlim
ited
$1,0
00 p
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n$2
,000
mem
bers
hip
$500
per
son
$1,0
00 m
embe
rshi
p2
mon
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Maj
or d
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Per
iodo
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dont
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and
occl
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(den
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ly c
laim
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ev
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two
year
s)
$1,5
00 p
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per
son
$2,4
00 m
embe
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pN
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over
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mon
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hodo
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thod
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son
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itN
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over
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Opt
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Pre
scrip
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fram
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in
clud
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Sp
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list
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2 m
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earin
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mon
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Phy
siot
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itial
con
sulta
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Sub
sequ
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onsu
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nG
roup
con
sulta
tion
Ann
ual l
imit
$50
$45
$35
$550
per
son
$42
$37
$30
$450
per
son
$900
mem
bers
hip
$35
$30
$25
$350
per
son
$700
mem
bers
hip
Chi
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| O
steo
path
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itial
con
sulta
tion
Sub
sequ
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onsu
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nA
nnua
l lim
it
$40
$35
$500
per
son
$40
$28
$400
per
son
$800
mem
bers
hip
$35
$25
$300
per
son
$600
mem
bers
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Occ
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iona
l the
rapy
Initi
al c
onsu
ltatio
nS
ubse
quen
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sulta
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Ann
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imit
$40
$35
$500
per
son
$35
$30
$400
per
son
$800
mem
bers
hip
$30
$25
$300
per
son
$600
mem
bers
hip
Die
tetic
sA
ll co
nsul
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nnua
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it$5
0$5
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00 m
embe
rshi
p
$30
$300
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son
$600
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Aud
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earin
g te
sts
Ann
ual l
imit
Hea
ring
aid
purc
hase
Ann
ual l
imit
Hea
ring
aid
repa
ir
$80
$160
per
son
$600
$1
,200
per
son
ever
y th
ree
calen
dar y
ears
$100
per
son
$60
$120
per
son
$240
mem
bers
hip
$450
$900
per
son
ever
y th
ree
calen
dar y
ears
$75
pers
on
Not
cov
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Pod
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yIn
itial
con
sulta
tion
Sub
sequ
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onsu
ltatio
nG
ait a
sses
smen
tsA
nnua
l lim
it
$40
$35
$35
$500
per
son
$35
$30
$30
$400
per
son
$800
mem
bers
hip
Not
cov
ered
Spe
ech
ther
apy
Initi
al c
onsu
ltatio
nS
ubse
quen
t con
sulta
tion
Gro
up c
onsu
ltatio
nA
nnua
l lim
it
$40
$35
$35
$500
per
son
$35
$30
$30
$400
per
son
$800
mem
bers
hip
Not
cov
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Psy
chol
ogy
Initi
al c
onsu
ltatio
nS
ubse
quen
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sulta
tion
Gro
up c
onsu
ltatio
n
$60
$35
$35
$60
$35
$35
Not
cov
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Hyp
noth
erap
yIn
itial
con
sulta
tion
Sub
sequ
ent c
onsu
ltatio
n$5
0$3
5$5
0$3
5co
mbi
ned
annu
al lim
it fo
r all p
sych
olog
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d hy
pnot
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pyA
nnua
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it$5
00$4
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rshi
p
Pha
rmac
eutic
als
Pha
rmac
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al it
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SC
Ann
ual l
imit
$70
$70
$600
per
son
$60
$60
$500
per
son
$1,0
00 m
embe
rshi
p
$35
$35
$300
per
son
$600
mem
bers
hip
Vacc
ines
All
vacc
ines
Ann
ual l
imit
up to
$50
per
scr
ipt
$150
per
son
up to
$50
per
scr
ipt
$150
per
son
up to
$50
per
scr
ipt
$150
per
son
Alte
rnat
ive
ther
apie
s (c
onsu
ltatio
ns o
nly)
Acu
punc
ture
Initi
al c
onsu
ltatio
nS
ubse
quen
t con
sulta
tion
$40
$35
$30
$25
$30
$25
Rem
edia
l mas
sage
All
cons
ulta
tions
$30
$25
$20
Exe
rcis
e ph
ysio
logy
, Sw
edis
h m
assa
geA
ll co
nsul
tatio
ns$2
5$1
5N
ot c
over
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Chi
nese
med
icin
e, m
yoth
erap
yIn
itial
con
sulta
tion
Sub
sequ
ent c
onsu
ltatio
n$3
5$3
0$2
5$2
0N
ot c
over
ed
com
bine
d an
nual
limit
for a
ll alte
rnat
ive th
erap
ies
Ann
ual l
imit
$750
per
son
$500
per
son
$1,0
00 m
embe
rshi
p$3
00 p
erso
n$6
00 m
embe
rshi
p ac
upun
ctur
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it$2
00 p
erso
n$4
00 m
embe
rshi
pre
med
ial m
assa
ge lim
it
Gym
mem
bers
hip
Annu
al L
imit
$100
per
son
$200
mem
bers
hip
$100
per
son
$200
mem
bers
hip
Not
cov
ered
2 m
onth
s
Hea
lth s
ervi
ces
Not
cov
ered
2 m
onth
s
Hom
e nu
rsin
g an
d m
idw
ifery
Del
iver
y by
mid
wife
$330
$220
Sub
-lim
its a
pply,
ple
ase
ask
us fo
r det
ails
Ann
ual l
imit
com
bine
d an
nual
limit
for a
ll hom
e nu
rsin
g an
d m
idw
ifery
$1,4
00 p
erso
n$9
00 p
erso
n$1
,800
mem
bers
hip
Sch
ool a
ccid
ents
$750
mem
bers
hip
$500
mem
bers
hip
Not
cov
ered
Hea
lth a
ids
(pur
chas
e on
ly)
Ort
hotic
s (c
usto
m m
ade)
$175
per
son
$140
per
son
$280
mem
bers
hip
Not
cov
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12 m
onth
s
Ort
hopa
edic
sho
es (c
usto
m m
ade)
$350
per
son
$300
per
son
$600
mem
bers
hip
Not
cov
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Art
i� ci
al e
ye/li
mb,
blo
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luco
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mon
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bloo
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paya
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thre
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mpr
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tche
s (h
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rcha
se),
exte
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bre
ast p
rost
hesi
s,
nebu
liser
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lianc
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nd
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A few last bits of housekeeping ...Let’s check that you are eligible to joinThere are two different types of health funds in Australia – unrestricted funds that anyone can join, and restricted membership funds that require special eligibility to join. rt is a restricted membership health fund. We exist specifically to care for the health cover needs of transport and energy industry employees and their families.
To join, you need to be one of the following:1. An employee of a
government or privately operated land, sea or air transport company
2. An employee of a government entity charged with administering the land, sea or air transport industries
3. An employee of a government or privately operated energy generation and delivery entity including supply of electricity, gas, oil, petrol, coal, nuclear or renewable energy
4. An employee of a contract company where you are, or were, employed to provide services to an organisation described in 1, 2 or 3 above
5. A current or former member of MOVE Bank.
6. Related to someone who is eligible to join, or who is already a member. This includes a parent, brother or sister, brother or sister-in-law, partner/former partner (spouse or de facto), child (natural, adopted, step child or foster child), son or daughter-in-law or grandchild.
If you’re not sure whether you’re eligible, please give our team a call.
You’ve got nothing to lose with portability of coverWhen you transfer from another health fund, we recognise all waiting periods you’ve already served on equivalent or higher levels of cover, provided you join rt within two months of leaving your previous fund. Waiting periods will only apply if your rt cover is a higher level than the one you had with your previous fund. In this case, you’ll be able to claim benefits to the same level as your previous cover until you’ve served the waiting period for higher benefits. Moving from a cover with a higher excess to
a lower excess (for example, a $700 excess to a $350 excess) counts as an upgrade in your cover. In this case, you may also have to pay your previous higher level of excess while serving waiting periods for the higher level of cover.
Want more detailed information on our products?This brochure contains summary information only. Our detailed cover guides list everything you’re covered for and how much you can expect to get back. Visit our website or give our team a call and we’ll email or post one to you.
Ready to join, risk-free?We understand that deciding to join a health fund for the first time, or switching from your current fund, is a big step. We want to make it easy for you, so once you join we’ll give you 30 days to try us risk-free. If you change your mind within the first 30 days, and you haven’t yet made a claim,we’ll refund your money.
19 1300 56 46 46 | [email protected] | rthealthfund.com.au Health cover for transport and energy industry people 20
While you are making your decision about whether to join rt health, and which cover is best for you, it is important that you read (and retain for future reference) this brochure and any other materials that we might send to you or refer you to.
The information contained in this brochure is general information about rt’s insurance services and products, and provides a summary of our current covers as at the date of publication. rt takes care to ensure the information provided is complete and accurate and takes steps to update information where changes are made, including notification to members at least 30 days before changes take effect. The information does not however represent the complete list of cover, waiting periods and benefits in relation to rt’s insurance services. You can check the current terms of our policies on our website at rthealthfund.com.au or by calling us.
rt accepts no responsibility for loss or expense arising from reliance on the information found solely in this document.
You should confirm any benefit, waiting period or statement within any of rt’s policies and obtain advice specific to your individual circumstances by contacting rt health on 1300 56 46 46.
Please remember
Contact us on
1300 56 46 46
Please note that the information provided is correct as at 1 APRIL 2020 and may be subject to change. Please contact us by phone or check our website to confirm current terms.
Health cover for transport and energy industry people 2221 1300 56 46 46 | [email protected] | rthealthfund.com.au
Privacy policyWe are committed to handling all personal information we collect in accordance with the Privacy Act 1988 (Cth), and to making sure that the information we hold for members is handled in a responsible manner and that privacy is protected. A full copy of our privacy policy is available on our website, and we will update it as required so you are always aware of the type of information we collect, how it may be used, and under what circumstances it may be disclosed by us.
If you are interested in reading our privacy policy, ask us for a printed copy or read it online at rthealthfund.com.au.
Our industry code of conductThe Private Health Insurance Code of Conduct is a voluntary industry code aimed at delivering better service to health fund members through clear and complete communication, whether in writing or in person. As a signatory to the code, we are committed to ensuring that our members receive accurate information from properly trained staff, including clear and complete policy documentation, and information on internal and external dispute resolution processes. You can read more about the code at www.privatehealthcareaustralia.org.au.
Resolving issuesIf you have cause to make a complaint, please be assured that we will take it very seriously and will do everything we can to come to a solution that works for everyone.
Please call 1300 886 123 or email [email protected] if there’s an issue you’d like to raise with us.
If, after we’ve done everything we can to rectify the situation and if you’re not satisfied with the outcome, you have the right to contact the Commonwealth Ombudsman. The Ombudsman is an independent body that helps resolve complaints and provides advice and information to members of private health funds. Here’s how you can contact them:
P 1300 362 072 E [email protected] W www.ombudsman.gov.au P GPO BOX 442 Canberra ACT 2601
When you join rt, we’ll give you 30 days to try us out risk free!
Copyright © 2021 RT Health Limited ABN 93 087 648 744. 0319/335423 1300 56 46 46 | [email protected] | rthealthfund.com.au
• Join online at rthealthfund.com.au
• Call us on 1300 56 46 46
• Download an application form from our website and then email or post it to us.
We’ll handle all the paperwork and even arrange the transfer from your old fund for you. Choose one of the following three options:
Would you like to join us?
1300 56 46 46 | [email protected] | rthealthfund.com.au 23
1300 56 46 46 [email protected] I rthealthfund.com.au