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RT Health

RT Health

2.2 from 27 reviews

Health Insurance Guide for 2020

The decision to take up private health insurance can be a very involved process, and the factors that go into your decision will be unique to you. Your first dip into the policy selection process can be pretty overwhelming, so this guide will help lay everything out for you as plainly as possible to get you on your way.

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Reviews

2.2

27 reviews
5
(6)
4
(1)
3
(1)
2
(4)
1
(15)
  • Value for Money
    1.8 (6)
  • Transparency
    2.2 (5)
  • Customer Service
    1.0 (6)
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  • Verified customer

AVOID!! Two experiences - two bad outcomes.

published

AVOID!! Two experiences - two bad outcomes. First Bad experience - admitted to hospital and hospital was told the incorrect information about my cover. Had to claim the money back after three months of chasing. Second and worst - overcharged for a full year premium plus another month - took a complaint to them four times, the ombudsman intervening and another multiple lot of emails. Customer service manager [name removed] simply ignores the core issue with lots of ‘copy and paste’ apologies. Could have been resolved with a simple phone call with an genuine apology.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time3+ months
Claim DateFebruary 2020
Claim ApprovedYes
See all answers
OZFeedbackGuru

OZFeedbackGuruSydney

  • 11 reviews
  • 10 likes

Only join if you don't value your money

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
See all answers
Libby F.

Libby F.South East Queensland, QLD

  • 3 reviews

Poor customer service

published

goes up every year more than other funds. Hard to get through to anyone over the phone. Hardly respond to emails. Customer service is appalling. Terrible service. Not worth it.

Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateFebruary 2020
See all answers
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John1063

John1063adelaide

  • 2 reviews

Worst customer care

published

I was with Transport health for 1 year. Never managed to speak to anyone as phone lines always busy and they never call back. The price of cover was good, so I decided to renew my membership and left 3 x e mails and 4 c phone msgs asking someone to call me so i could renew and despite e mails promising they would, no one ever did.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateSeptember 2019
Claim ApprovedYes
See all answers
SydneyMember

SydneyMemberSydney Surrounds, NSW

Administrative nightmare

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time3+ months
See all answers
shelly

shelly

  • 4 reviews
  • 2 likes

Don't use RT health..

published

After 10yrs of being with Rt health..and paying thousands of dollars..I went down from top tear to one level down..they couldnt even pay for the wire on my denture to be fixed??
I should have changed company 3 years ago when i broke my leg and..i was in top cover and they didn't even cover my moon boot ...they say they are not for profit..but they have sure made a profit off me.. I don't recommend rthealth at all.. why cant health insurance just be like car insurance..you pay ..your covered.. why is it all so complicated

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeNo
See all answers
On my way

On my waySydney

Customer service has gone down hill

published

What has happened to RT Health? Their service used to be fantastic. Now they are so hard to get in contact with and they have cancelled my families appointments so many times. I have been trying to get in to collect my new contacts for months and they keep changing the date. They seem to be constantly confused about procedures, claims and bookings at the front counter and I am seriously considering moving on to another health fund after being with them for more than 30 years. Shaking my head in disbelief.

Insurance claim madeNo
australia

australiaaustralia nsw

  • 19 reviews
  • 9 likes

Appalling Gobsmacking Service

published

We contacted RT Health for information on top hospital & extras. After a lengthy wait & 2 disconnections, I was astonished with the abrupt & downright rude attitude displayed by customer service.
She refused to supply any information requested, as I would not disclose our phone number, I was informed this was std. procedure. What relevance is that to obtaining simple information, I was flabbergasted by her reaction. With this attitude, it is a wonder they have any clientele. An unpleasant experience.
Our potential business lost.

Insurance claim madeNo
Corinne

CorinneRedland Bay

Card doesn't work and on hold for 40 minutes

published
Insurance claim madeNo
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SukMaan Kong

SukMaan KongHobart, TAS

  • 19 reviews
  • 11 likes

Still on hold on the phone

published

I am a new customer. Recently I needed to contact RT Health. Called 3 times at different times, could never get through. Left a call back message but no one called me back. I am now concerned that I made a mistake in joining them.

Insurance claim madeNo

Not happy

published

We've been in rt health for 23 years & was happy, but recently they have changed, no customer service, you have to ring the main line & are left hanging on the phone forever, no one to talk to not happy.

Insurance claim madeNo
Chris

ChrisCentral Queensland, QLD

  • 4 reviews
  • 10 likes
  • Verified customer

Shocking customer service

published
Insurance claim madeYes
Mark B

Mark BSydney, NSW

  • 3 reviews
  • 2 likes

Easy to deal with and great rebates

published

I've been with rt now for about 8 years and have rarely had any issues with them. I've always found them to give the biggest rebates on services and process claims quickly. Reading some of the comments on this site, I think that if I were to have elective surgery, I'd get them to confirm I am covered in writing beforehand along with a list of the procedural item numbers I am covered for, so I have a record.

Insurance claim madeNo

Good Communication Health Fund

published

I have been with rt Health for many years and have found the claim process (mail) very good and the benefits given are higher than others. The people you deal are great and actually speak English and queries are always handled very well. My daughter who also with RT was given extra time to pay when she ran into financial difficulties, unlike other funds who would not have covered her. I have just paid 12 months ahead and intend to stay with this fund in the future. I would not hesitate and have recommended this fund to others.

Insurance claim madeYes
Megan

MeganEast Geelong

Time delay for refunds

published

Having had 2 physio appointments over the last month hicaps wouldn't read my RT card. I paid both accounts in full and lodged claims online. Nearly a month later and I haven't been reimbursed for either (the auto generated email says it'll be paid in 5 to 7 days). 3 emails and 2 requests for call backs and I've heard nothing. After being on hold for 35 minutes I finally managed to speak to a manager who said they'll be paid that day. 3 days later and I still haven't got my money. They're happy to take my premiums but refuse to pay what's owed to clients. Disgusting!

Insurance claim madeYes
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Jocko

JockoSouth East Queensland, QLD

  • 2 reviews
  • 1 like

Great fund - highly recommended

published

Have been with a few different funds over the past decade but RT is easily the best. Higher rebates than most, prompt processing and hassle free claims. I will be sticking with them. Highly recommended.

Insurance claim madeYes
David L

David LRockhampton

Been with them for years, never had a problem.

published

My family has been with RT Health for years, including my parents and siblings. We've all been to a private hospital at some stage and RT Health covered the lot, except one procedure had a doctors gap which he wouldn't budge on. Wer're from Queensland, and we had QML pathology charge our daughter in law huge fees to have pathology done while she was in hospital because she wasnt with a QML No Gap health fund. We called RT and they are one of the funds that are a no-gap QML fund, so we remain happy ongoing with a fund that always looks after us.

Insurance claim madeYes
  • Verified customer

Rt travel insurance Hopeless

published
Insurance claim madeNo
Daddy

Daddy

  • 7 reviews

Great Health Fund

published

RT is the very best when it comes to Health Funds by far offering the best value for money there is, their Hospital and extras, covers everything you will need, their benefits are excellent and the yearly limit among the very best, the customer service is excellent always friendly and helpful. I have been with RT Health Fund for 14 years and can’t speak highly enough of them, I highly recommend RT, for me it’s definitely 5 Stars.

Insurance claim madeYes
jenny m

jenny mbrisbane

  • 2 reviews
  • 4 likes

Beware RT shortsighted on robotic surgery

published

We have been top cover members of RT health for many years only to find that when my husband has to make a claim for robotic surgery within premium hospital cover, RT health has refused to cover him. Ironically one of the benefits of robotic surgery is that hospital stay is reduced to one night whereas with traditional surgery, he would have to stay 3 nights in hospital.
The hospital informed us that many funds do now cover robotic surgery it is becoming the preferred method of surgery for many operations.
Perhaps time to change funds or go public.

Insurance claim madeNo
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Questions & Answers

janette.hunt

janette.huntasked

need feedback on RT Health

2 answers
Marg
Marg

We were with RT Health for 23 years and were happy with them, but recently they have changed, I used to be
able to phone and talk to someone in Brisbane or Sydney, now there is only one phone number for people all
over Australia and you are hanging on the phone for one to two hours, you also get passed on to someone in
India or the Philippines, I sent them an email and didn't receive a reply for 3 days, so not happy with them, we
have changed to West Fund who are much better and have good reviews.

janette.hunt
janette.hunt

Thank you much appreciated

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