Family health cover. Keeping your kids protected
Getting the best value family health insurance for your needs and lifestyle is important.
Here are some of the main things to consider when it comes to your family health insurance, the support we offer and how you can make the most of your cover.
What is family health insurance?
Family health insurance provides cover for you and your partner (if you have one) and your kids. It can be for hospital, extras – or combined cover (that means both).
Your lifestyle, needs and budget will impact your choice when it comes to covering your family. You may want the peace of mind that comes with hospital cover, the health and wellbeing advantages of extras cover – or both.
No matter what you choose, it’s important to know you’re investing in your family’s health.
Here we’ve outlined a few of the benefits of family health cover, the ways we're looking out for your family and some of the advantages of family health insurance – for you and for your kids.
Kids are free - we’ve got your family covered.
Families come in all shapes and sizes. When you’re with RT Health, no matter how big your family grows, they’ll always be covered.
Thinking of a having big family? We’ve got your back. You don’t pay more, no matter how many kids you add to your family cover. That means you’ll pay the same premium for one child as you will if you’ve got eight.
And there’s more great news. You won’t pay any excess for kids aged under 22 on your family cover, no matter how many times they go to hospital.
Keeping big kids covered for longer
Kids stay at home longer these days. Many study, many get their first jobs – but for the most part they'll live in the family home for longer.
It’s always good to know you can keep your kids on your cover for longer.
We were one of the first private health insurers to offer cover to adult dependants – whether they’re students or working – right up until they turn 31.
Full-time students can stay covered for free and working kids can be covered on your policy for an additional premium (less than the amount they’d pay for an equivalent single person cover). You’ll need a Family Extension policy to keep adult dependants on your cover.
Getting family value
Here are a few ways we show up for our members to provide great value family health cover.
100% back on dental check-ups
When you’ve got a family, dental care becomes a focus. You’ll want the kids to get into healthy routines, right from the start.
We’ve got you covered with our More for Teeth program.
Because you’re with RT Health, you can get 100% back* on a range of no-gap services through our More for Teeth dental network. That means every member, every year can get the following preventative services, all with $0 to pay* when visiting an HCF Dental Centre or More for Teeth provider:
- Two no-gap check-ups
- Two scale and cleans
- One fluoride treatment
- One mouthguard
Use our handy Find a Dental Clinic link to find a More for Teeth provider near you.
Everyday savings with RT Thank You
With the cost of living on the rise, there’s never been a better time to save money – especially when you’ve got a family. Our RT Thank You loyalty program^ helps you get savings on everyday essentials like groceries and fuel, as well as travel and entertainment.
Improving your health and wellbeing
Aside from great health cover, RT Health members also get some great perks. From access to the CSIRO Total Wellbeing Diet, lifestyle health checks provided by the Victor Chang Cardiac Research Institute and member-exclusive webinars, there’s a lot of value (and family savings and support) you can get from our member benefits.
You can check them out here.
We're here to help
We get it. Private health insurance can be complicated, but we’re here with you every step of the way to help you get more value from your cover.
If you have any questions about your cover, our Member Care team can answer any questions you have. Give us a call on 1300 886 123 or get in touch via email to help@rthealth.com.au
Important information
*100% back at More for Teeth providers is available to members with RT Health extras cover. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm your chosen provider is part of More for Teeth prior to your appointment.
^Excludes Ambulance Only members.
This wellbeing message is brought to you by the team at RT Health, a division of HCF, The Hospitals Contribution Fund of Australia Limited (ACN 000 026 746). This communication contains information which is copyright to HCF. It should not be copied, disclosed or distributed without the authority of HCF. Except as required by law, we do not represent, warrant and/or guarantee that this communication is free from errors, virus, interception or interference. All reasonable efforts have been taken to ensure the accuracy of material contained on our website. It’s not intended that this website be comprehensive or render advice. The information provided on this website is general information only and may not be suitable to your individual circumstances or health needs. Please check with your health professional before making any dietary, medical or other health decisions as a result of reading this website.