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Ambulance Victoria Retail and Top Extras

A Extras-only product from RT Health. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (27)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): $35
  • Scale and clean (114): $72
  • Fluoride (121): $44
  • Extraction (322): $190
No annual limit
Major dental12 months
  • Full crown, veneered (615): $782
$1,500 a yearShared with Root canal (endodontics)
Root canal (endodontics)12 months
  • Root canal obturation (417): $192
$1,500 a yearShared with Major dental
Orthodontics (braces)12 months
  • Upper and lower braces plus retainer (881): 100% of the fee
$1,000 a year
Glasses and contact lenses2 months
  • Single vision lenses and frames: 100% of the fee
  • Multifocal lenses and frames: 100% of the fee
$300 a year
Non-PBS prescription medicines2 months
  • Per prescription: $70
$600 a year
Physiotherapy2 months
  • Initial visit: $60
  • Subsequent visit: $54
$550 a year
Chiropractic2 months
  • Initial visit: $49
  • Subsequent visit: $39
$500 a yearShared with Osteopathy
Podiatry2 months
  • Initial visit: $45
  • Subsequent visit: $40
$500 a year
Psychology2 months
  • Initial visit: $80
  • Subsequent visit: $60
$500 a year
Acupuncture2 months
  • Initial visit: $40
  • Subsequent visit: $35
$750 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage2 months
  • Initial visit: $40
  • Subsequent visit: $40
$750 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids24 months
  • Per hearing aid: $600
$1,200 a year
Blood glucose monitors12 months
  • Blood glucose monitor: 80% of the fee
$600 a year
Audiology (hearing tests)2 months
  • Initial visit: $80
  • Subsequent visit: $80
$160 a year
Antenatal and postnatal care2 months
  • Initial visit: $30
  • Subsequent visit: $30
$300 a year
Chinese herbal medicine2 months
  • Initial visit: $35
  • Subsequent visit: $30
$750 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics2 months
  • Initial visit: $55
  • Subsequent visit: $55
$500 a year
Exercise physiology2 months
  • Initial visit: $40
  • Subsequent visit: $35
$750 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics2 months
  • Initial visit: $40
  • Subsequent visit: $35
$500 a year
Health management programs2 months
  • Health management program: 100% of the fee
$150 a year
Home nursing2 months
  • Initial visit: $30
  • Subsequent visit: $30
$700 a year
Occupational therapy2 months
  • Initial visit: $60
  • Subsequent visit: $53
$500 a year
Orthotics12 months
  • Per pair of orthotics: 100% of the fee
$250 a year
Osteopathy2 months
  • Initial visit: $53
  • Subsequent visit: $40
$500 a yearShared with Chiropractic
Speech therapy2 months
  • Initial visit: $70
  • Subsequent visit: $60
$500 a year
Vaccinations2 months
  • Per vaccination: $50
$150 a year

Annual limits

Services in the same group share one limit.

  • General dental

    No annual limit

  • Major dental, Root canal (endodontics)

    $1,500 a year

  • Orthodontics (braces)

    $1,000 a year, $3,000 lifetime

  • Glasses and contact lenses

    $300 a year

  • Non-PBS prescription medicines

    $600 a year

  • Physiotherapy

    $550 a year

  • Chiropractic, Osteopathy

    $500 a year

    Also includes other services not listed

  • Podiatry

    $500 a year

  • Psychology

    $500 a year

    Also includes other services not listed

  • Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology

    $750 a year

    Also includes other services not listed

  • Hearing aids

    $1,200 a year, 2 per 3 years

  • Blood glucose monitors

    $600 a year

    Also includes other services not listed

  • Audiology (hearing tests)

    $160 a year

  • Antenatal and postnatal care

    $300 a year

  • Dietetics

    $500 a year

  • Orthoptics

    $500 a year

  • Home nursing

    $700 a year

  • Occupational therapy

    $500 a year

  • Orthotics

    $250 a year

  • Speech therapy

    $500 a year

  • Vaccinations

    $150 a year

  • Health management programs

    $150 a year

Insurer's notes (original English)

Product features

Health management / Healthy lifestyle includes benefits towards gym membership and Tai Chi, Yoga & Pilates. Combined limit is $150 per person, $300 per membership per calendar year. For more details contact our member care team on 1300 886 123 or visit rthealthfund.com.au.

Other services

RT Health members pay no gap on a range of popular dental and optical services through HCF Dental or Optical Centres and the More for provider network. Includes mental health services (psychology, approved counselling, mental health social worker and OCBT courses). Health aids include blood pressure monitors, CPAP machines & masks, tens machines, wheelchairs, wigs (conditions apply). Annual, membership, service and sub limits apply.

Special features

100% back on a range of no-gap services through our More for program, and no-gap network providers, subject to your cover, waiting periods and annual limits. Find out more: https://www.rthealth.com.au/health-services/find-a-dental-clinic and https://www.rthealth.com.au/health-services/find-an-optical-provider.

Frequently asked questions

How much does Ambulance Victoria Retail and Top Extras pay for a scale and clean?
According to government data, Ambulance Victoria Retail and Top Extras pays up to $72 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.
What are the waiting periods for Ambulance Victoria Retail and Top Extras?
General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 24 months, Blood glucose monitors 12 months, Audiology (hearing tests) 2 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.
Can Ambulance Victoria Retail and Top Extras be bought on its own?
Yes. This product doesn't need to be held with hospital cover.

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