RT Health 私保 Extras 产品
RT Health - a division of The Hospitals Contribution Fund 在政府数据里登记的 39 款在售产品（9 款单独 Extras、30 款住院 + Extras），以及 68 款已停售的老产品。
政府数据日期：2026年10月1日
RT Health 在售产品的常见等待期
- 一般牙科
- 2 个月
- 大型牙科
- 12 个月
- 眼镜和隐形眼镜
- 2 个月
- 物理治疗
- 2 个月
- 心理咨询
- 2 个月
- 针灸
- 2 个月
单独 Extras（9 款）
只保 Extras（一般治疗）的产品。
| 产品 | 包含服务 | 购买 |
|---|---|---|
| Ambulance and Smart Extras | 26 项 | 可以单独买 |
| Ambulance and Top Extras | 27 项 | 可以单独买 |
| Ambulance and Value Extras | 13 项 | 可以单独买 |
| Ambulance Victoria Retail and Smart Extras | 26 项 | 可以单独买 |
| Ambulance Victoria Retail and Top Extras | 27 项 | 可以单独买 |
| Ambulance Victoria Retail and Value Extras | 13 项 | 可以单独买 |
| Smart Extras | 26 项 | 可以单独买 |
| Top Extras | 27 项 | 可以单独买 |
| Value Extras | 13 项 | 可以单独买 |
住院 + Extras（30 款）
住院险和 Extras 合在一个产品里，按住院等级分组。
Gold 住院
Silver Plus 住院
Bronze Plus 住院
Basic Plus 住院
已停售的产品（68 款）
不再接受新会员，已购买的会员可以继续使用。点产品名称查看保障内容。
- Ambulance and Deluxe Extras
- Basic Plus Public Hospital and Deluxe Extras
- Basic Plus Public Hospital and Healthy Choice Extras
- Basic Plus Public Hospital and Smart Extras
- Basic Plus Public Hospital and Top Extras
- Basic Plus Public Hospital and Value Extras
- Basic Plus Starter Hospital $500 Excess and Deluxe Extras
- Basic Plus Starter Hospital $500 Excess and Healthy Choice Extras
- Basic Plus Starter Hospital $750 Excess and Deluxe Extras
- Basic Plus Starter Hospital $750 Excess and Healthy Choice Extras
- Bronze Plus Classic Hospital $350 Excess and Deluxe Extras
- Bronze Plus Classic Hospital $350 Excess and Healthy Choice Extras
- Bronze Plus Classic Hospital $350 Excess and Smart Extras
- Bronze Plus Classic Hospital $350 Excess and Top Extras
- Bronze Plus Classic Hospital $350 Excess and Value Extras
- Bronze Plus Classic Hospital $700 Excess and Smart Extras
- Bronze Plus Classic Hospital $700 Excess and Top Extras
- Bronze Plus Classic Hospital $700 Excess and Value Extras
- Bronze Plus Core Hospital and Fit & Healthy Extras
- Bronze Plus Essential Hospital $350 Excess Combined Cover
- Bronze Plus Essential Hospital $700 Excess and Deluxe Extras
- Bronze Plus Essential Hospital $700 Excess and Healthy Choice Extras
- Bronze Plus Everyday Hospital $350 Excess and Smart Extras
- Bronze Plus Everyday Hospital $350 Excess and Top Extras
- Bronze Plus Everyday Hospital $350 Excess and Value Extras
- Bronze Plus Everyday Hospital $700 Excess and Smart Extras
- Bronze Plus Everyday Hospital $700 Excess and Top Extras
- Bronze Plus Everyday Hospital $700 Excess and Value Extras
- Deluxe Extras
- Gold Optimal Hospital $750 Excess and Deluxe Extras
- Gold Optimal Hospital $750 Excess and Healthy Choice Extras
- Gold Optimum Hospital $500 Excess and Smart Extras
- Gold Optimum Hospital $500 Excess and Top Extras
- Gold Optimum Hospital $500 Excess and Value Extras
- Gold Optimum Hospital $750 Excess and Smart Extras
- Gold Optimum Hospital $750 Excess and Top Extras
- Gold Optimum Hospital $750 Excess and Value Extras
- Gold Ultimate Hospital $250 Excess and Deluxe Extras
- Gold Ultimate Hospital $250 Excess and Healthy Choice Extras
- Gold Ultimate Hospital $250 Excess and Smart Extras
- Gold Ultimate Hospital $250 Excess and Top Extras
- Gold Ultimate Hospital $250 Excess and Value Extras
- Gold Ultimate Hospital $500 Excess and Deluxe Extras
- Gold Ultimate Hospital $500 Excess and Healthy Choice Extras
- Gold Ultimate Hospital $500 Excess and Smart Extras
- Gold Ultimate Hospital $500 Excess and Top Extras
- Gold Ultimate Hospital $500 Excess and Value Extras
- Gold Ultimate Hospital $750 Excess and Smart Extras
- Gold Ultimate Hospital $750 Excess and Top Extras
- Gold Ultimate Hospital $750 Excess and Value Extras
- Gold Ultimate Hospital and Deluxe Extras
- Gold Ultimate Hospital and Healthy Choice Extras
- Gold Ultimate Hospital and Smart Extras
- Gold Ultimate Hospital and Top Extras
- Gold Ultimate Hospital and Value Extras
- Healthy Choice Extras
- Silver Plus Advantage Hospital $350 Excess and Smart Extras
- Silver Plus Advantage Hospital $350 Excess and Top Extras
- Silver Plus Advantage Hospital $350 Excess and Value Extras
- Silver Plus Advantage Hospital $700 Excess and Deluxe Extras
- Silver Plus Advantage Hospital $700 Excess and Healthy Choice Extras
- Silver Plus Advantage Hospital $700 Excess and Smart Extras
- Silver Plus Advantage Hospital $700 Excess and Top Extras
- Silver Plus Advantage Hospital $700 Excess and Value Extras
- Silver Plus Assure Hospital $500 Excess and Deluxe Extras
- Silver Plus Assure Hospital $500 Excess and Healthy Choice Extras
- Silver Plus Assure Hospital $750 Excess and Deluxe Extras
- Silver Plus Assure Hospital $750 Excess and Healthy Choice Extras
已经有 Extras？先把额度用好
告诉我们你的保险公司和产品名称，我们帮你看清能报哪些项目，并找能直接 HICAPS 刷卡、说中文的服务商。
常见问题
RT Health 有多少款 Extras 产品？
按 2026年10月1日 的政府数据，RT Health 有 39 款在售产品包含 Extras（9 款单独 Extras、30 款住院 + Extras），另有 68 款已停售。
RT Health 的牙科等待期多久？
RT Health 在售产品里，一般牙科最常见的等待期是 2 个月，大型牙科是 12 个月。具体以每个产品为准。
RT Health 的 Extras 可以单独买吗？
RT Health 在售的 9 款单独 Extras 里，有 9 款可以单独买，其余需要搭配住院险。