health cover for the whole of your life

health cover for the whole of your life1 May 2021

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.


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.


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.


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?


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.


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rmat

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ple

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cov

er g

uide

s w

hich

are

ava

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e on

our

web

site

. Yo

u ca

n al

so g

ive

our

team

a c

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u

*The

info

rmat

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cont

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fact

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et is

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allia

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ranc

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gisl

atio

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one

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me

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s

This

is o

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mm

ary

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view

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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

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t?

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46 |

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@rt

heal

thfu

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u | r

thea

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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

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WA

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G P

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Res

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up to

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per p

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12m

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This

is o

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mm

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over

view

. For

com

preh

ensi

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over

info

rmat

ion,

ple

ase

read

our

cov

er g

uide

s w

hich

are

ava

ilabl

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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

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you

wan

t?

1300

5646

46

|joi

n@rt

heal

thfu

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rmat

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abou

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insu

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sum

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our

cov

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rt t

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car

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form

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WA

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att

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sta

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over

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utho

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ppro

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am

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iden

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S, N

T– u

nlim

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cove

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ambu

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C

over

app

lies

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esid

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of T

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are

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sta

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me

in a

ll sta

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exce

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LD a

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here

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stat

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vern

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does

not

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can

al

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ase

addi

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gov

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iden

ts o

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unlim

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non

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Cov

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s an

ywhe

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Aus

tralia

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cont

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o us

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any

non-

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genc

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nspo

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or in

ter-h

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iden

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nlim

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me

for e

mer

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nspo

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nd

med

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ly n

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non

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porta

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Aus

tralia

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tact

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sta

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prov

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for m

ore

info

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*You

r lev

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bula

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cove

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base

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stat

e th

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live

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diffe

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sta

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resi

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ddre

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pol

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Initi

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$40

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Die

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Spe

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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.


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.


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

health cover for the whole of your life

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