Extras cover
RT Health extras cover: which policies are worth it?
RT Health sells 9 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, none pay back more than they cost.
Every RT Health extras policy
Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Value Extras$327 behind$97 behind+$113 ahead$39.18 a month before the rebateA check-up$327 behindTeeth and glasses$97 behindTeeth, glasses, physio+$113 ahead
- Ambulance and Value Extras$376 behind$146 behind+$64 ahead$44.63 a month before the rebateA check-up$376 behindTeeth and glasses$146 behindTeeth, glasses, physio+$64 ahead
- Ambulance Victoria Retail and Value Extrasworked for one adult in VIC$414 behind$184 behind+$26 ahead$48.73 a month before the rebateA check-up$414 behindTeeth and glasses$184 behindTeeth, glasses, physio+$26 ahead
- Smart Extras$722 behind$437 behind$167 behind$83.10 a month before the rebateA check-up$722 behindTeeth and glasses$437 behindTeeth, glasses, physio$167 behind
- Ambulance and Smart Extras$771 behind$486 behind$216 behind$88.55 a month before the rebateA check-up$771 behindTeeth and glasses$486 behindTeeth, glasses, physio$216 behind
- Ambulance Victoria Retail and Smart Extrasworked for one adult in VIC$810 behind$525 behind$255 behind$92.76 a month before the rebateA check-up$810 behindTeeth and glasses$525 behindTeeth, glasses, physio$255 behind
- Top Extras$1,016 behind$681 behind$357 behind$115.42 a month before the rebateA check-up$1,016 behindTeeth and glasses$681 behindTeeth, glasses, physio$357 behind
- Ambulance and Top Extras$1,066 behind$731 behind$407 behind$120.87 a month before the rebateA check-up$1,066 behindTeeth and glasses$731 behindTeeth, glasses, physio$407 behind
- Ambulance Victoria Retail and Top Extrasworked for one adult in VIC$1,122 behind$787 behind$463 behind$127.01 a month before the rebateA check-up$1,122 behindTeeth and glasses$787 behindTeeth, glasses, physio$463 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, RT Health included.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.