rt health - a division of The Hospitals Contribution Fund (RTE)
rt health is the oldest registered health fund in Australia, established in 1889. We look after the Australians who keep Australia moving, specialising in the rail, transport and energy industries.
rt health - a division of The Hospitals Contribution Fund provide further information regarding:
Agreement Hospitals
This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.
Business Structure
This insurer is a mutual organisation that operates on a not-for-profit basis.
rt health - a division of The Hospitals Contribution Fund operates in all states and territories.
Performance
The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 0.3% | 12.4% market share |
| Investigated complaints | 0% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 0% | 88.6% |
| Benefits as % of contributions | 82.8% | 83.1% |
| Management expenses % of contribution income | 17% | 9.9% |
| Management expenses per average policy | $744 | $375 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 78.1% | 94.3% | 92.3% | 92.4% | 94.7% | 93.1% | 90.1% | 59.9% | 93.2% |
| Industry Result | 82.9% | 89.4% | 91.5% | 89.7% | 93.4% | 92.7% | 92.9% | 89.3% | 90.6% |
| Medical Services with No Gaps | 79.5% | 93.9% | 90.6% | 93.7% | 93.7% | 93.0% | 95.8% | 75% | 93.5% |
| Industry Result | 76.9% | 89.7% | 88.0% | 88.8% | 89.7% | 88.5% | 91.4% | 87.5% | 88.8% |
| Medical Services with No or Known Gaps | 90.7% | 98.4% | 99.3% | 98.6% | 100% | 97.6% | 100% | 95% | 98.5% |
| Industry Result | 92.3% | 96.7% | 97.9% | 97.2% | 99.3% | 97.5% | 98.8% | 96.5% | 97.4% |
| General Treatment (extras) Covered | 34.9% | 42.2% | 39.9% | 43.7% | 47.3% | 41.1% | 34.2% | 38.0% | 42.6% |
| Industry Result | 47.0% | 49.1% | 50.8% | 52.5% | 56.4% | 56.6% | 52.6% | 58.4% | 52.0% |
| Private Hospital Agreements | 4 | 94 | 73 | 49 | 21 | 21 | 9 | 2 | - |
| Industry Maximum | 6 | 98 | 76 | 60 | 23 | 24 | 9 | 2 | - |
| Day Hospital Agreements | 8 | 86 | 69 | 48 | 24 | 20 | 5 | 1 | - |
| Industry Maximum | 9 | 103 | 79 | 57 | 30 | 24 | 8 | 2 | - |
Sydney
NSW 2010