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Silver Plus Standard Hospital $500 Excess and Value 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

Services covered (13)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $30 Scale and clean (114): $57 Fluoride (121): $37 Extraction (322): $152	$500 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: $35	$300 a year
Physiotherapy	2 months	Initial visit: $40 Subsequent visit: $35	$350 a year
Chiropractic	2 months	Initial visit: $37 Subsequent visit: $30	$300 a yearShared with Osteopathy
Acupuncture	2 months	Initial visit: $31 Subsequent visit: $26	$300 a year
Remedial massage	2 months	Initial visit: $30 Subsequent visit: $30	$200 a year
Blood glucose monitors	12 months	Blood glucose monitor: 80% of the fee	$300 a year
Dietetics	2 months	Initial visit: $35 Subsequent visit: $35	$300 a year
Orthoptics	2 months	Initial visit: $30 Subsequent visit: $25	$300 a year
Occupational therapy	2 months	Initial visit: $38 Subsequent visit: $36	$300 a year
Osteopathy	2 months	Initial visit: $39 Subsequent visit: $31	$300 a yearShared with Chiropractic
Vaccinations	No waiting period	Per vaccination: $50	$150 a year

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Chinese herbal medicine, Psychology, Speech therapy, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$500 a year
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$300 a year
Physiotherapy
$350 a year
Chiropractic, Osteopathy
$300 a year
Acupuncture
$300 a year
Remedial massage
$200 a year
Blood glucose monitors
$300 a year
Also includes other services not listed
Dietetics
$300 a year
Orthoptics
$300 a year
Occupational therapy
$300 a year
Vaccinations
$150 a year

Insurer's notes (original English)

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. Health aids include blood pressure monitors, CPAP machines, 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 & membership 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 Silver Plus Standard Hospital $500 Excess and Value Extras pay for a scale and clean?

According to government data, Silver Plus Standard Hospital $500 Excess and Value Extras pays up to $57 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Silver Plus Standard Hospital $500 Excess and Value Extras?

General dental 2 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Acupuncture 2 months, Remedial massage 2 months, Blood glucose monitors 12 months, Dietetics 2 months, Orthoptics 2 months, Occupational therapy 2 months, Osteopathy 2 months, Vaccinations No waiting period.

Can Silver Plus Standard Hospital $500 Excess and Value Extras be bought on its own?

This product combines hospital and Extras in one policy, with Silver Plus hospital cover.

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