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私保通 Private Care+
Hospital + ExtrasClosed

Basic Plus Public Hospital and Deluxe Extras

A Hospital + Extras 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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (25)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): 60% of the fee
  • Scale and clean (114): 60% of the fee
  • Fluoride (121): 60% of the fee
$800 a year
Major dental12 months
  • Extraction (322): 60% of the fee
  • Full crown, veneered (615): 60% of the fee
$1,200 a yearShared with Root canal (endodontics)
Root canal (endodontics)12 months
  • Root canal obturation (417): 60% of the fee
$1,200 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: $50
$400 a year
Physiotherapy2 months
  • Initial visit: $58
  • Subsequent visit: $48
$850 a yearShared with Chiropractic, Podiatry, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Chiropractic2 months
  • Initial visit: $47
  • Subsequent visit: $37
$850 a yearShared with Physiotherapy, Podiatry, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Podiatry2 months
  • Initial visit: $42
  • Subsequent visit: $32
$850 a yearShared with Physiotherapy, Chiropractic, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Psychology2 months
  • Initial visit: $75
  • Subsequent visit: $60
$550 a year
Acupuncture2 months
  • Initial visit: $38
  • Subsequent visit: $31
$600 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage2 months
  • Initial visit: $40
  • Subsequent visit: $37
$600 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids24 months
  • Per hearing aid: $1,000
$1,000 a yearShared with Audiology (hearing tests)
Blood glucose monitors12 months
  • Blood glucose monitor: $200
$400 a year
Audiology (hearing tests)2 months
  • Initial visit: $70
  • Subsequent visit: $70
$1,000 a yearShared with Hearing aids
Chinese herbal medicine2 months
  • Initial visit: $37
  • Subsequent visit: $27
$600 a yearShared with Acupuncture, Remedial massage
Dietetics2 months
  • Initial visit: $50
  • Subsequent visit: $50
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Exercise physiology2 months
  • Initial visit: $40
  • Subsequent visit: $40
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Orthoptics2 months
  • Initial visit: $42
  • Subsequent visit: $32
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Occupational therapy, Osteopathy, Speech therapy
Health management programs2 months
  • Health management program: 70% of the fee
$300 a year
Home nursing2 months
  • Initial visit: $22
  • Subsequent visit: $22
$400 a year
Occupational therapy2 months
  • Initial visit: $52
  • Subsequent visit: $45
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Orthoptics, Osteopathy, Speech therapy
Orthotics12 months
  • Per pair of orthotics: 80% of the fee
$200 a year
Osteopathy2 months
  • Initial visit: $51
  • Subsequent visit: $39
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
Speech therapy2 months
  • Initial visit: $65
  • Subsequent visit: $55
$850 a yearShared with Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy

Not covered: Vaccinations, Antenatal and postnatal care

Annual limits

Services in the same group share one limit.

  • General dental

    $800 a year

  • Major dental, Root canal (endodontics)

    $1,200 a year

    Also includes other services not listed

  • Orthodontics (braces)

    $1,000 a year, $2,500 lifetime

  • Glasses and contact lenses

    $300 a year

  • Non-PBS prescription medicines

    $400 a year

  • Physiotherapy, Chiropractic, Podiatry, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy

    $850 a year

    Also includes other services not listed

  • Psychology

    $550 a year

  • Acupuncture, Remedial massage, Chinese herbal medicine

    $600 a year

  • Hearing aids, Audiology (hearing tests)

    $1,000 a year, 1 per 3 years

  • Blood glucose monitors

    $400 a year, $200 per service

    Also includes other services not listed

  • Health management programs

    $300 a year, $200 per service

  • Home nursing

    $400 a year

  • Orthotics

    $200 a year

Insurer's notes (original English)

Product features

Benefits available for Myotherapy. Health management / Healthy lifestyle includes approved weight loss, stress management and quit smoking programs, MRI Scans not claimable through Medicare & skin tests. Benefits for Tai Chi, Yoga and Pilates are payable at 100% of the cost, subject to applicable sub‑limits and conditions. Annual limits, sub‑limits and membership limits apply. Contact the fund for further details.

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 Basic Plus Public Hospital and Deluxe Extras pay for a scale and clean?
According to government data, Basic Plus Public Hospital and Deluxe Extras pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.
What are the waiting periods for Basic Plus Public Hospital and Deluxe 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, 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.
Can Basic Plus Public Hospital and Deluxe Extras be bought on its own?
This product combines hospital and Extras in one policy, with Basic Plus hospital cover.

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