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RT Health health insurance

27 policies. A year for a single in New South Wales, after the full rebate · hospital cover ranked among policies at the same level with a $750 excess.

Hospital cover · 5

  • Gold Optimal HospitalOnly with extras

    Gold · 38 of 38 categories · $750 a year

    $4,991a year after the rebate
    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    $750 a year
    Before the rebate
    $6,578 a year ($548.15 a month)
    After the rebate
    $4,991 a year ($415.95 a month)

    Sold only beside the insurer’s own extras.

    Go to site
  • Silver Plus Standard Hospital

    Silver Plus · 30 of 38 categories plus accidents · $750 a stay

    $1,53510th of 75

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $2,023 a year ($168.56 a month)
    After the rebate
    $1,535 a year ($127.91 a month)
    Go to site
  • Silver Plus Assure Hospital

    Silver Plus · 34 of 38 categories plus accidents · $750 a stay

    $2,18141st of 75

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    34 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $2,874 a year ($239.47 a month)
    After the rebate
    $2,181 a year ($181.71 a month)
    Go to site
  • Bronze Plus Essential Hospital

    Bronze Plus · 27 of 38 categories plus accidents · $700 a stay

    $1,328a year after the rebate
    Hospital tier
    Bronze Plus
    Covers
    27 of 38 categories plus accidents
    Excess
    $700 a stay
    Before the rebate
    $1,751 a year ($145.88 a month)
    After the rebate
    $1,328 a year ($110.70 a month)
    Go to site
  • Basic Plus Starter Hospital

    Basic Plus · 9 of 38 categories plus accidents · No excess

    $1,031a year after the rebate
    Hospital tier
    Basic Plus
    Covers
    9 of 38 categories plus accidents
    Excess
    No excess
    Before the rebate
    $1,359 a year ($113.23 a month)
    After the rebate
    $1,031 a year ($85.92 a month)
    Go to site

Extras cover · 7

  • Ambulance Cover
    $50a year after the rebate
    Before the rebate
    $65 a year ($5.45 a month)
    After the rebate
    $50 a year ($4.14 a month)
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  • Value Extras

    Pays back $593 on a typical year · 13 services

    $357a year after the rebate
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $470 a year ($39.18 a month)
    After the rebate
    $357 a year ($29.73 a month)
    Go to site
  • Ambulance and Value Extras

    Pays back $593 on a typical year · 13 services

    $406a year after the rebate
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $536 a year ($44.63 a month)
    After the rebate
    $406 a year ($33.87 a month)
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  • Smart Extras

    Pays back $721 on a typical year · 26 services

    $757a year after the rebate
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $997 a year ($83.10 a month)
    After the rebate
    $757 a year ($63.06 a month)
    Go to site
  • Ambulance and Smart Extras

    Pays back $721 on a typical year · 26 services

    $806a year after the rebate
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $1,063 a year ($88.55 a month)
    After the rebate
    $806 a year ($67.19 a month)
    Go to site
  • Top Extras

    Pays back $824 on a typical year · 27 services

    $1,051a year after the rebate
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $1,385 a year ($115.42 a month)
    After the rebate
    $1,051 a year ($87.58 a month)
    Go to site
  • Ambulance and Top Extras

    Pays back $824 on a typical year · 27 services

    $1,101a year after the rebate
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $1,450 a year ($120.87 a month)
    After the rebate
    $1,101 a year ($91.72 a month)
    Go to site

Hospital and extras together · 15

  • Gold Optimal Hospital and Value Extras

    Gold · 38 of 38 categories · No excess

    $5,348a year after the rebate
    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    No excess
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $7,048 a year ($587.33 a month)
    After the rebate
    $5,348 a year ($445.68 a month)
    Go to site
  • Gold Optimal Hospital and Smart Extras

    Gold · 38 of 38 categories · No excess

    $5,748a year after the rebate
    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    No excess
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $7,575 a year ($631.25 a month)
    After the rebate
    $5,748 a year ($479.01 a month)
    Go to site
  • Gold Optimal Hospital and Top Extras

    Gold · 38 of 38 categories · No excess

    $6,042a year after the rebate
    Hospital tier
    Gold
    Covers
    38 of 38 categories
    Excess
    No excess
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $7,963 a year ($663.57 a month)
    After the rebate
    $6,042 a year ($503.53 a month)
    Go to site
  • Silver Plus Standard Hospital and Value Extras

    Silver Plus · 30 of 38 categories plus accidents · No excess

    $1,892a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $2,493 a year ($207.74 a month)
    After the rebate
    $1,892 a year ($157.64 a month)
    Go to site
  • Silver Plus Standard Hospital and Smart Extras

    Silver Plus · 30 of 38 categories plus accidents · No excess

    $2,292a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $3,020 a year ($251.66 a month)
    After the rebate
    $2,292 a year ($190.96 a month)
    Go to site
  • Silver Plus Assure Hospital and Value Extras

    Silver Plus · 34 of 38 categories plus accidents · $750 a stay

    $2,537a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    34 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $3,344 a year ($278.65 a month)
    After the rebate
    $2,537 a year ($211.45 a month)
    Go to site
  • Silver Plus Standard Hospital and Top Extras

    Silver Plus · 30 of 38 categories plus accidents · No excess

    $2,586a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $3,408 a year ($283.98 a month)
    After the rebate
    $2,586 a year ($215.49 a month)
    Go to site
  • Silver Plus Assure Hospital and Smart Extras

    Silver Plus · 34 of 38 categories plus accidents · $750 a stay

    $2,937a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    34 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $3,871 a year ($322.57 a month)
    After the rebate
    $2,937 a year ($244.77 a month)
    Go to site
  • Silver Plus Assure Hospital and Top Extras

    Silver Plus · 34 of 38 categories plus accidents · $750 a stay

    $3,232a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    34 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $4,259 a year ($354.89 a month)
    After the rebate
    $3,232 a year ($269.30 a month)
    Go to site
  • Bronze Plus Essential Hospital and Value Extras

    Bronze Plus · 27 of 38 categories plus accidents · $700 a stay

    $1,685a year after the rebate
    Hospital tier
    Bronze Plus
    Covers
    27 of 38 categories plus accidents
    Excess
    $700 a stay
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $2,221 a year ($185.06 a month)
    After the rebate
    $1,685 a year ($140.43 a month)
    Go to site
  • Bronze Plus Essential Hospital and Smart Extras

    Bronze Plus · 27 of 38 categories plus accidents · $700 a stay

    $2,085a year after the rebate
    Hospital tier
    Bronze Plus
    Covers
    27 of 38 categories plus accidents
    Excess
    $700 a stay
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $2,748 a year ($228.98 a month)
    After the rebate
    $2,085 a year ($173.75 a month)
    Go to site
  • Bronze Plus Essential Hospital and Top Extras

    Bronze Plus · 27 of 38 categories plus accidents · $700 a stay

    $2,379a year after the rebate
    Hospital tier
    Bronze Plus
    Covers
    27 of 38 categories plus accidents
    Excess
    $700 a stay
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $3,136 a year ($261.30 a month)
    After the rebate
    $2,379 a year ($198.28 a month)
    Go to site
  • Basic Plus Starter Hospital and Value Extras

    Basic Plus · 9 of 38 categories plus accidents · No excess

    $1,388a year after the rebate
    Hospital tier
    Basic Plus
    Covers
    9 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $593 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $1,829 a year ($152.41 a month)
    After the rebate
    $1,388 a year ($115.65 a month)
    Go to site
  • Basic Plus Starter Hospital and Smart Extras

    Basic Plus · 9 of 38 categories plus accidents · No excess

    $1,788a year after the rebate
    Hospital tier
    Basic Plus
    Covers
    9 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $721 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    26 covered
    Before the rebate
    $2,356 a year ($196.33 a month)
    After the rebate
    $1,788 a year ($148.98 a month)
    Go to site
  • Basic Plus Starter Hospital and Top Extras

    Basic Plus · 9 of 38 categories plus accidents · No excess

    $2,082a year after the rebate
    Hospital tier
    Basic Plus
    Covers
    9 of 38 categories plus accidents
    Excess
    No excess
    Pays back
    $824 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    27 covered
    Before the rebate
    $2,744 a year ($228.65 a month)
    After the rebate
    $2,082 a year ($173.50 a month)
    Go to site
Compare all 31 insurers

April 20268 changes

  1. 5Sun
    • Silver Plus Assure Hospital and Smart Extras$312.95 → $322.57 a month before the rebate
      +3.1%
    • Gold Optimal Hospital and Value Extras$476.37 → $587.33 a month before the rebate
      +23.3%
    • Ambulance and Value Extras$43.12 → $44.63 a month before the rebate
      +3.5%
    • Ambulance and Top Extras$118.44 → $120.87 a month before the rebate
      +2.1%
    • Value Extras$37.85 → $39.18 a month before the rebate
      +3.5%
    • Silver Plus Standard Hospital and Value Extras$199.96 → $207.74 a month before the rebate
      +3.9%
    • Bronze Plus Essential Hospital and Value Extras$177.45 → $185.06 a month before the rebate
      +4.3%
    • Ambulance and Smart Extras$86.79 → $88.55 a month before the rebate
      +2.0%

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Notes on RT Health policies

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As of 23 October 2026, RT Health sells 27 health insurance policies tracked by BankMate, priced here for a single in New South Wales after the full government rebate. Its cheapest Silver hospital cover with a $750 excess is Silver Plus Standard Hospital at $1,535 a year, 10th of 75 Silver policies. Prices are from the statements every insurer files with the government, and change each 1 April. From the Private Health Information Statements every insurer files with the government, published monthly by PrivateHealth.gov.au.