RT Health extras cover
Is RT Health Ambulance and Smart Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $88.55 a month before the rebate, $67.19 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$771 behind
That costs $200 with no cover. On this policy you’d pay $806 in premiums and get $35 back.
150th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $761 better off over the year.
Two dental visits and new glasses
$486 behind
That costs $700 with no cover. On this policy you’d pay $806 in premiums and get $320 back.
105th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $536 better off over the year.
Two dental visits, new glasses and six physio sessions
$216 behind
That costs $1,240 with no cover. On this policy you’d pay $806 in premiums and get $590 back.
96th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $586 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | $35 a visit | $1,000 | 2 months |
| Major Dental | $660 a visit | $1,200shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $174 a visit | $1,200shared with major dental | 12 months |
| Optical | 100% of the fee | $250 | 2 months |
| Non-PBS Medications | $60 a visit | $500 | 2 months |
| Physiotherapy | $50 a visit first, then $45 a visit | $450 | 2 months |
| Chiropractic | $43 a visit first, then $33 a visit | $400shared with osteopathy | 2 months |
| Podiatry | $40 a visit first, then $35 a visit | $400 | 2 months |
| Psychology | $70 a visit first, then $55 a visit | $400 | 2 months |
| Acupuncture | $33 a visit first, then $28 a visit | $500shared with remedial massage, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $35 a visit | $500shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $900 | 24 months |
| Glucose Monitor | Covered, amount not published as a set figure | $480 | 12 months |
| Audiology | $60 a visit | $120 | 2 months |
| Antenatal/Postnatal | $20 a visit | $200 | 2 months |
| Chinese Herbal Medicine | $25 a visit first, then $20 a visit | $500shared with acupuncture, remedial massage and exercise physiology | 2 months |
| Dietetics | $45 a visit | $400 | 2 months |
| Exercise Physiology | $30 a visit | $500shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Orthoptics | $35 a visit first, then $30 a visit | $500 | 2 months |
| Health Management | 100% of the fee | $150 | 2 months |
| Home Nursing | $20 a visit | $450 | 2 months |
| Occupational Therapy | $50 a visit first, then $43 a visit | $400 | 2 months |
| Orthotics | 100% of the fee | $200 | 12 months |
| Osteopathy | $47 a visit first, then $35 a visit | $400shared with chiropractic | 2 months |
| Speech Therapy | $55 a visit first, then $45 a visit | $400 | 2 months |
| Vaccinations | $50 a visit | $150 | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
This policy has special conditions that may affect your benefits. Review the details below.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $88.55 | $177.10 | $177.10 | $177.10 |
| WA | $83.37 | $166.74 | $166.74 | $166.74 |
| SA | $87.99 | $175.98 | $175.98 | $175.98 |
| NT | $83.37 | $166.74 | $166.74 | $166.74 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
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. Product code I11/NAXF10 on privatehealth.gov.au. 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.