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RT Health

RT Health

 Verified🏆 2026www.rthealth.com.au
RT Health
4.9

1,772 reviews

Positive vs Negative
98%2%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
  •  · 
  • Never
Claim ApprovedYes · No
Transparency ?
4.7
Customer Service
4.9
Value for Money
4.5

 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  • Digital Limitations: The mobile app and online portal are frequently described as "outdated," with specific complaints regarding the inability to track remaining extras limits or upload PDF documents.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.

1,772 reviews
5 Petra Swift  · Thankyou Kat you were very helpful and patient while my husband and myself discussed and decided what to setup for our medical cover
5 Maree Munrowd  · James Poulete was very helpful, explained what I would be entitled and I would remain under the same policy if I stayed with RTHealth.
5 Michelle w  · James Polutele was very helpful in discussing what option I had to choose from. He was clear and well spoken. Very easy person to speak to
5 stacey Swetnam  · Friendly and efficient at setting everything up for my cover.
5 Jade  · Danny was clear and kind and very supportive and helpful
5 IM D.  · I moved Health funds to Rthealth after 20 years with the same fund. Katalina was so helpful and knowledgeable and took her time to explain EVERYTHING!! thx Kat
Tony M
Tony M
 

Dushyant Chopra was extermely knowledgeable and professional in providing me options to amend my cover. He discussed the options in great detail answering my quiries on some complex topics with various permutations Please compliment him on his excellent customer service Show details

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Tony W.
Tony W.WA2 posts
  Verified

I came across RT Health insurance during a review of my family’s health cover and was really impressed with their pricing and services that they offered, also pleased to note that apart from their own network of service providers they are also part of the HCF group which expands their network of service providers. The RT Health consultant that I… Read more

was dealing with was Anna Maireriki who I found to be truly knowledgeable about RT Health products and services. I decided to upgrade both my hospital cover and extras cover to Silver Plus Assure Hospital and Top extras as this increased my cover level for a pretty insignificant increase in premium. Anna was able to submit my application over the phone and also process my exit from my existing fund on my behalf. Cant thank Anna enough for her assistance

Maurice F.
Maurice F.QLD
 

Working with Katalina Eid made navigating private health insurance so much easier. She was incredibly professional, knowledgeable, and genuinely helpful from start to finish. I really appreciate her clear guidance and fantastic service Show details

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Reviews with attachments

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Dennis
Dennis
 

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 ·  1

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Peter Mantini
Peter Mantini4 posts
 

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

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Tony Hoare
Tony HoareNSW3 posts
  Verified

Best products and service in any Australian company #1 RT HEALTH and RICKY Show details ·  1

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Elaine C.
Elaine C.Victoria
  Fair Incentive Verified

Kat is a lovely young lady. She was very helpful and explained everything to me. Show details ·  1

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Deb and Jim C
Deb and Jim C
  Verified

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

Joey
Joey4 posts
 

Professional and patient! – My new cover is giving me better value - especially for my hospital cover as I like the day surgery cover that doesn’t take the total excess. My extras were already with RT Health and after much discussion, I’ve stayed with the same Deluxe plan. … Read more ·  1

Kiara was very thorough, knowledgeable and patient, as we waded through the various possibilities for me. As I’d committed to NiB a couple weeks’ ago, we had some backtracking to do to ensure the former health insurer for the hospital cover had been notified. I’m very pleased with my decision to combine my cover with RT Health. Thanks.

 Follow-up  · Now a couple years later, I’m still impressed and happy with the RT Health service. All good!

Hardyplank
HardyplankNSW2 posts
 

I was on the lookout for a new health insurance provider and after a lengthy search decided RT Health was the closest that meet my need. A quick phone call and the first surprise was that I didn't have to navigate through endless menus and before I… Read more ·  1

new it I was talking to Torie. After a brief conversation on what policies that meet my needs I never felt pressure from Torie only gentle guidance on cover and policy.

 Follow-up  · Well it’s been 12 months with RT health and I must say the stand out is how easy it is to process a manual. Just snap a picture of the receipt and you’re done!

Neil Rao
Neil RaoNSW4 posts
 

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!

RT Health
RT Health    

Hi Neil Thanks for your review and for your patience as… Read more (+2 replies)

In-depth reviews

Peter
PeterQLD
 

Been with RT Health for 6 years and my parents for 50 + years with no complaints on service & coverage as a non profit. With cost of living so high and not eligible for a pension ??? (worked & paid taxes for 52 years - how's that fair!!) I decided to review my hospital & extras cover to see if I could save a few $$$. Rang several other companies… Read more

...big mistake as they won't stop ringing and using high pressure to sign with them ugh. With RT Health I dealt with Danny C.. he spent 20 minutes on phone with me with NO pressure only assurances and highlighted some issues RT Health vs other companies with fine print exclusions and trickery. Danny was great in explaining advantages of RT Health was able to assist & assure me RT was the fairest & for the cover had the best policies. Danny gave me some fair options that did not effect my particular circumstances and gave me some choices to lower costs and still achieve my health cover objectives. I'm certainly staying with RT because of Danny assistance and understanding that I did not receive from several other companies that contacted me. Thanks Danny for your support. Peter & Dee

Find out how RT Health compares to other Health Insurance

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Glenda
GlendaSA4 posts
 

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.

RT Health
RT Health    

Thank you for taking the time to share your experience… Read more

Ayesha
Ayesha4 posts
 

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.

Positive reviews

Renee
ReneeVIC
 

James provided genuinely excellent support during my interaction with RT Health. He wasn’t robotic or scripted in his responses; instead, he took the time to consider my situation before answering, which made the conversation feel personal and thoughtful. He was easy to understand, personable, and communicated in a way that felt human and… Read more

reassuring. It was clear he had a strong knowledge base, and he used it effectively to help me navigate the information I needed without any confusion or pressure.

Overall, James delivered a standout customer service experience, supportive, informed, and genuinely helpful.

Deon d
Deon dQLD
 

Katalina was extremely helpful, patient and understanding even though I got frustrated, impatient and was not my best person, she remained calm, help me understand and get through the process Show details

Naveen Yeshudas V.
Naveen Yeshudas V.
 

Katalina was great, funny, easy to work with and superhelpful, God Bless her, I pray that she contunies to be blessing to everyone she speaks, In Jesus's name, Amen. Show details

Negative reviews

Tracy M.
Tracy M.WA2 posts
 

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.

RT Health
RT Health    

Hi Tracy, thank you for taking the time to share this… Read more (+2 replies)

Elizabeth
Elizabeth2 posts
 

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

RT Health
RT Health    

Thank you for sharing your experience we’re really… Read more

Lucinda44
Lucinda44NSW4 posts
 

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

RT Health
RT Health    

Hi Lucinda, we are truly sorry to read this, eight… Read more

Recent reviews

Mick
Mick5 posts
 

Just want to thank Kat from RT Health who went above and beyond to assist with my recent enquiries about switching funds. Kat was knowledgeable, helpful and professional and dealt with my enquiries without any dramas whatsoever. She explained everything with ease and was extremely honest and helpful and I felt very comfortable with her assistance… Read more

in switching from my previous health fund provider. The end result was she arranged a better product with a saving and I would recommend anyone looking for any advise on health insurance to give her a call. Thank you!

Find out how RT Health compares to other Health Insurance

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Mandy Kinder
Mandy KinderVIC4 posts
 

My experience on the phone previous to my hospital stay was exemplary. She was polite, accurate and very kind and caring. She alsoshe explained very clearly The answers to my questions. Show details

Anita
AnitaNSW
 

I spoke with Kat and she was very friendly, patient, diligent and had a sense of humour. She made the process easy and was patient when I asked a lot of questions Show details

joanna.payne
joanna.payne
 

My initially inquiry was handled expertly by Katalina, who organised the quotes for a number of different health insurance packages. She provided the clear and balanced facts and didn’t just try to upsell me on cover I didn’t need - my key priorities were to reduce our current premiums whilst maintaining basic hospital and extras cover. Kat called… Read more

back later that day at a scheduled time and then handled the transfer and consolation of two separate policies from other providers. Very happy, thanks Kat!

James
JamesQLD
 

I rang RT Health to change my cover. I spoke with James Polutele who was very helpful and ensured I knew what my options were and the costs involved. In the end James was able to offer me great coverage at a great price. Very happy dealing with James and RT Health Show details

Rose
RoseQLD3 posts
 

Just moved over to RT Health from another fund and Kat made the whole experience smooth and easy. She was a delight to speak with and very knowledgeable.hoping our experiences in the future will be the same. Show details

giuliana
giuliana
 

Hi, I really dislike Admin tasks but when I needed to discuss changing my cover, I found James Polutele from RT Health to be super easy to deal with, friendly, helpful & knowledgable. Show details

Wendy O
Wendy O
 

I am a new member of RT Health and had a few questions on my cover. I spoke to a lovely person called Clare who was very helpful and informative. I was very pleased with the service I received. Show details

Meena
MeenaNSW2 posts
 

I had an excellent experience transferring my health insurance from Nib to RT health Katalina Eid was absolutely wonderful throughout the whole process. She was friendly, patient, knowledgeable, and explained everything clearly. She made the transfer easy and stress-free, and I really appreciated her professionalism and kindness. Thank you,… Read more

Katalina, for your outstanding customer service. I highly recommend her to anyone looking for help with their health insurance.

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