1,714 reviews
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- 1-2 weeks
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AI reviews summary
RT Health receives high praise for its personalised customer service and competitive pricing, particularly during the onboarding phase. The majority of feedback highlights the helpfulness of specific staff members who conduct proactive "welcome calls" to explain policy details and benefits. While the initial sales and transition experience is overwhelmingly positive, a segment of users reports significant friction regarding claim processing times and digital infrastructure.
Pros
- Personalised Onboarding: New members frequently highlight the "welcome calls" from staff (notably Clare, Kat, and Ricky) as being thorough, reassuring, and helpful for understanding complex policy details.
- Competitive Value: Multiple reports indicate significant cost savings compared to major insurers, with users often citing better benefit limits and lower premiums for similar levels of cover.
- Knowledgeable Staff: Consultants are consistently described as professional, patient, and able to explain policy nuances without relying on scripts or high-pressure sales tactics.
- Seamless Switching: The transition process from other health funds is generally described as easy and well-managed by the RT Health team.
Cons
- Digital Limitations: The mobile app and online portal are frequently described as "outdated," with specific complaints regarding the inability to track remaining extras limits or upload PDF documents.
- Slow Claims Processing: Several users reported delays in receiving reimbursements, with some claims taking over a week to process, which is noted as slower than industry competitors.
- Administrative Delays: Recurring issues were flagged regarding the slow delivery of clearance certificates when leaving the fund and delays in processing refunds during cooling-off periods.
- Communication Gaps: While phone support is praised, some users experienced long wait times or a lack of response to emails and escalated complaints.
Verdict
RT Health is an excellent choice for consumers who value high-quality, human-led customer service and competitive premiums. However, prospective members should be prepared for a less sophisticated digital experience and potential delays in manual claim processing compared to larger funds.
Kat was really helpful in setting up health insurance for my family. She explained all the inclusions and extras, and answered all my questions regarding coverage. Would recommend Show details · 1
Had an amazing call with Katalina. It’s my first time signing up to a health fund. She explained all the policies clearly and helped me understand all the different options, which made me a lot more confident in my choice. Super polite, helpful, and kind. RT Health has great value too. Thanks for helping me Kat! :) Show details · 1
We discussed the change in level of cover I was after. The differences were clearly explained by Ricky, it was greatly appreciated. The change in policy suits our needs and is comparable to others. We have been with this company for over 40 years Show details · 1
Reviews with attachments
Dealt with Kat who was professional and able to provide a quick and painless service reinstating my health fund with minimal fuss. Would recommend her service to anyone. This survey is not user friendly however!! Show details
Clare Robinson Called and welcomed me in to RT Health, explained all the details re my cover, Clare was concise, and eager to answer any questions I had. It was a welcome that made me reassured to be part of such an organisation. I will encourage friends and family to look into RT Health for their needs. Again May thanks to Clare and the rest of the team that made this transition so easy. Kind Regards Peter Mantini Show details · 1
Best products and service in any Australian company #1 RT HEALTH and RICKY Show details · 1
Kat is a lovely young lady. She was very helpful and explained everything to me. Show details · 1
The process of changing from another health fund to RT over the phone was made very simple and quick. Rita who organised it all for us was very efficient and very polite and explained everything very well. Her customer service skills are fabulous and made us feel very welcomed. We are very happy with the policy and price. Show details · 1
Latest follow-ups
Bad service – I refuse to give you my bank details so you advise me that you cannot refund me money. Show details
Follow-up · This organization is no longer for the members. It has gone down the same greedy path as so many other companies who say "the merger is an advantage for the members". Bull!
Kat signed us up and was very helpful and clear as she ran us through the options, conditions and costs. Hopefully it will prove to be a good service! Show details
Follow-up · A few months in, claiming has been very easy. Had a little hiccup with the rewards part, but it was part of their security protocols and understandable.
Incompetent system – My card was rejected when claiming for treatment at allied health clinic. When I called RT Health I was told the waiting period had not been removed fro my policy in the amalgamation of Transport Health with RT Health - surely the most basic task in a health fund takeover! Show details
Follow-up · The initial communication was poor but the service is now fine.
Thanks Dianne. So sorry about this experience you've… Read more
In-depth reviews
Joined throught a compare your health fund group. Was told all would be taken care of. Never received welcome call to check policy. Not wait time as this was a like for like policy. Then tried to claim for my CPAP machine and sleep study.The then argued that they would not accept my claim as I needed to have a letter from my GP even thought I… Read more
provided a full sleep study report from a Respiratory consultant suggesting that I try a CPAP machine, who would just spend $2,000 on a machine and not require it. this was esculated and they still would not accept it. I explained that regional people can not alway make an appointment with their GP that easy and we do not get bullk billed so it would cost me $110 to see my GP so extra cost. the earliest appointment I could get was in 8 weeks. they still would not respond to my queries after that. And to this day still have not heard from them. Would like to know what clinical qualifications the claims assessors and more so the team leaders that my query was esculated to an 8 page report from the a medical practitioner is not good enough. shame on you as a insurance provider so we have left RT Health and returned to the health fund we was with as they never treated us like this. will NOT be recommending RT health to anyone in Regional Australia as you get treated poorly and unfairly. I am now still waiting on my cancellation /transfer document from then to my current health fund and it is a month since we left. very quick to take your money but that all.
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I have always received wonderful customer service from R&T. Today, in particular, I want to compliment Rose. Rose was not only so very courteous, polite and patient, but she also responded to my queries aptly, informatively, and articulately. Her responses demonstrated her wealth of knowledge on each of the 'covers'. Her examples highlighted and… Read more · 1
put in perspective each of my concerns. Because of her lucid and patient responses, I can now make an informed decision on the cover that is suitable for me. Please do convey my sincere thanks to Rose. I wish her all the best in her career, and I do hope management will give the recognition she deserves.
Another person that has been very responsive and tried to ensure that I get perfect customer service, is Ricky. Ricky has been attending to my questions over the past few occasions and has been 'on the ball' with his responses. Thank you Ricky. Do convey my thanks to him.
The only unfortunate aspect with R&T phone calls, is the wait time. Maybe management needs to review its staff count, so that staff are available to answer the phones..rather than have them call back.
I needed to contact RT Health for aassistance with their website and had a very promptly reply to my email. I missed a call, thinking it was spam, but received an immediate follow-up message to organise a convenient time to call. Contact was made by Mireille, one of the Member Care Consultants. Mireille was very polite, knowledgeable and most… Read more · 1
of all patient. She worked through all the possible scenarios to my logging in issues and provided details on how to fix the problem.
She requested a progress update from me and made sure that I was able to communicate with her again, instead of a different consultant. This was very helpful indeed.
After more back and forth, I was able to access the website. Mireille was a great help and offered her assistance again if I encounter other issues or even if I have any questions.
I was very pleased to have been able to communicate with such a genuinely caring person, who was very easy to understand.
Nowadays, contacting companies can be hit or miss. Having Mireille answer my query was a huge hit.
Positive reviews
Easy to understand ( language) Very informative, helpful, did not rush the conversation, made sure I understood, polite & well mannered , the gentleman needs to be cloned Thank you Pamela johnson Show details · 1
Had a great call with Katalina who was really patient and kind with me when I didn't understand a lot of the terminology and lingo. One of the best calls I've had with a customer services / sales person! Thanks Kat - you're the best :-) Show details · 1
Firstly, the call was answered immediately (I was expecting the usual wait, with music and lies about how important my call was) Anna, who answered, was really helpful with my questions and that convinced me to change to RT Health. She was very patient and friendly when joining me up and overall it was quick and easy process. Compared to some… Read more · 1
of the other health funds, RT Health's website allowed you to find the detailed information about their products easily. I feel very confident I have made the right choice in switching to this health fund.
Negative reviews
I believe if you look further into the reviews left by a lot of the members, the follow up comments, when you are required to deal with them and claiming, are very different from the process of signing you up. The amount of time I had to spend calling and emailing regarding the one and only claim I made before going over to another provider was… Read more
ridiculous. Additionally, their app and website is frustrating, it continually locks you out, meaning you have to call and wait online for a very long time or email and wait until they end up responding. I would avoid joining with this insurance provider.
Hi Tracy, thank you for taking the time to share this… Read more
was referred to RT by a broker 14.04.26 joined up and paid yearly premium. contacted RT several times about differences to what the broker said. Spoke to RT on 21.04 and cancelled policy which is within the cooling off period. also sent email canceling and requesting refund. innumerable phone calls and brush offs with no one calling back. … Read more
today is 27.05.06 and still no refund. told was transferred to my bank. requested proof of transfer from NAB not just a letter saying it's done. Today 29.05 still no refund. Wish I had never dealt with them. I have now raised an official complaint with the Commonwealth Ombudsman
We changed to RT from another fund only to find this is worse. 8 weeks later and they still have not paid my claim. 2 emails and 3 phone calls, they blamed medicare being slow but medicare paid 7 weeks ago. They told me if I use the app and submit surgeons invoice and documents to show medicare paid, they wont have to wait for medicare and will… Read more
process it instantly, that was 2 weeks ago. Absolutely terrible. The reply to my last email didn't even acknowledge this issue, instead they referred to a compleletly different claim saying it's paid, not the one I was asking about. Woeful first experience
Hi Lucinda, we are truly sorry to read this, eight… Read more
Recent reviews
We had a few outstanding issues with the membership not being completed properly. Called up and speaking with Josie was very helpful with updating my wife's DOB and also with a status of a claim. Show details · 1
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Portia was genuinely amazing to speak to. What an amazing first impression of RT health. We have only just set up but everything was quick and easy. The policy was a great price. Show details · 1
Reinstated my private health cover with RT Health today and had Kat help me and she was fantastic, very professional, well spoken and offered great explanations of product. Highly recommend Kat. Show details · 1
Peter at RT health today was exceptionally clear in explaining the system governing funds coverage of surgeons doing hip replacements (the federally set scheduled fee!!!). Whilst I was shocked at how little coverage I have for the surgical component of the cost, I really must thank Peter for the clarity with which he explained the system and… Read more · 1
reasoning to me. I have been with RT Health since ‘21 and find them very helpful. I left the conversation with Peter astonished at how little the federal government values the work of accomplished and skillful orthopaedic surgeons and understanding the coverage allows me to access a private hospital, plus the constructed hip is covered. So it is the federal government that dictates the gap, by setting the scheduled fee at $1,537 (ish), covered by Medicare and the fund, the ammount to be paid isn’t set by the fund. Who knew? Thanks Peter, you deserve a pay rise for mollifying me and explaining the system so comprehensively and patiently.
Was good to hear about the different products available and the difference between them..Kat put on a knowledgeable performance and kept everything simple for me…never got flustered when I kept asking for more information on the same items…. Show details · 1
I was wanting to change health insurance companies after researching reviews for several options. I ended up speaking with Katalina Eid at RT health. Kat helped me with all the information I needed including the best price and coverage options. Kat was genuine and honest with in answering my questions and promptly proved me with three quotes. Kat… Read more · 1
did mention that she was new but I was quite comfortable in speaking with her. She phoned me back as promised and we proceeded with one of the quotes. Thanks Kat.
Best Healthfund we have been in. Before Westfund we were with Medibank and before them with Bupa or MBF. Can’t fault Westfund in any way. Very happy with customer service and level of cover. We have been with Westfund for about 2 years and I couldn’t be happier. Show details
Kat was very polite and very helpful, she had all the right information on hand and was patient when my reception kept dropping out. She listened really well when I was asking or explaining things and it made this an all round great experience. She spoke very clearly and I didn’t mind being read the Ts and Cs because it wasn’t jumbled but it also wasn’t dragging. 10/10 would recommend again. Thankyou Kat From Zac Show details · 1
Clare was absolutely wonderful. She had all the time to explain everything to me and wasn't rushed and answered all my questions and I can't thank her enough. Thankyou Clare have a wonderful day Godbless and stay safe. John Howard. Show details · 1
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Hi Neil Thanks for your review and for your patience as… Read more (+1 reply)