OpenNot available through Comparify

RT Health logo

2026 average premium increase

Data not available

Individual policy increases vary.

Industry average: +4.41%

Effective 1 April 2026.

RT Health policies are not available through Comparify. This page is general information about RT Health only.

See the funds we can arrange →

Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.

About RT Health

Health insurance for hardworking Aussies. RT Health is here for hard workers and everyday Aussies who want more from their health cover. We've got your back with award-winning service and more than 135 years’ experience.

Rate rise history

Premium increases — last 5 years

How RT Health's gazetted average increase has tracked against the industry each April.

Average premium increase: Data not available for RT Health.

Policies listed with the Government (PHIO)

Policies RT Health has listed with the Government's PHIO dataset, as at August 2026.

Hospital
9listed policies
  • Basic1
  • Bronze2
  • Silver5
  • Gold1

11

Extras-only policies

From $5/mo

25

Combined policies

Full hospital and extras coverage bundled together

Lowest listed price

Cheapest hospital premium

$51/mo

Per month, before rebate

PHIO data, August 2026Sold in NSW, NT, QLD, SA, TAS, VIC, WA
Counts are distinct product families, not per-state variants

None of these policies are available through Comparify.

Hospital pricing

How RT Health's hospital cover prices compare

Each row shows the whole market's monthly premiums for that tier, with RT Health's own open policies marked in purple.

Basic1 RT Health policy
Median$12071 open policies · 26 funds
Basic Plus Starter Hospital $750 Excess — $113 per month
$102$233
Bronze2 RT Health policies
Median$15198 open policies · 29 funds
Bronze Plus Essential Hospital $700 Excess — $151 per month
Bronze Plus Essential Hospital $350 Excess — $166 per month
$128$208
Silver5 RT Health policies
Median$227201 open policies · 28 funds
Silver Plus Standard Hospital $750 Excess — $189 per month
Silver Plus Standard Hospital $500 Excess — $204 per month
Silver Plus Standard Hospital $250 Excess — $228 per month
Silver Plus Assure Hospital $750 Excess — $254 per month
Silver Plus Assure Hospital $500 Excess — $262 per month
$141$473
Gold1 RT Health policy
Median$308105 open policies · 24 funds
Gold Optimal Hospital $750 Excess — $600 per month
$192$600
RT Health policyMiddle 50% of the marketMarket medianFull market range

VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.

Extras pricing

How RT Health's extras cover prices compare

Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.

Everyday extras3 RT Health policies
Median$3381 open policies · 26 funds
Ambulance Victoria Retail — $9 per month
Value Extras — $39 per month
Ambulance Victoria Retail and Value Extras — $49 per month
$4$129
Mid extras2 RT Health policies
Median$7086 open policies · 22 funds
Smart Extras — $83 per month
Ambulance Victoria Retail and Smart Extras — $93 per month
$18$262
Top extras2 RT Health policies
Median$115219 open policies · 27 funds
Top Extras — $118 per month
Ambulance Victoria Retail and Top Extras — $127 per month
$16$295
RT Health policyMiddle 50% of the marketMarket medianFull market range
Everyday extras
General dental and everyday services — no major dental
Mid extras
Major dental covered, orthodontics not covered
Top extras
Major dental and orthodontics both covered
RT Health FAQ

RT Health questions, answered honestly

Can't find what you're looking for? Our Aussie-based advisors are a phone call away — 7 days a week.

See all explainers

Funds we can arrange

  • Bupa logo
  • HCF logo
  • nib logo
  • ahm logo
  • HBF logo
  • HIF logo
Browse the fund directory

Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026).

Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.