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health cover for + transporty electricit industry people

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ailable ded extras av on the great ad ETU health plan. as part of your ntact us at r details or co See inside fo etu.html u/ .a fund.com www.r thealth 00 767 388. or on 13


A few things you might like to know

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er b em m e d vi ro p to n a th er ng oth ti is ex r fo n so a re o n ve a h e “W r...” ve co h lt ea h le b si os p t es b e with th You’ve made the right choice to protect yourself and your family with private health cover. Before you get started we wanted to take a quick moment to point out a few things about rt that you might find interesting.

3. We’ve been looking after Australian workers since 1889. We’ve been providing health cover to people in the transport and electricity industries for more than 120 years, so we’ve had a long time to get it right.

1. We’re the health fund for transport and electricity industry people. If you or a member of your family currently work in the transport or electricity industries, or ever have, or if you work for a company that provides services to the transport or electricity industries, then you’re eligible to join.

4. We have a simple range of great value health covers. In fact, Australian Financial Review’s Smart Investor magazine has named us one of Australia’s ‘best-value health funds’ for three years running (June 2008 + 2009 + 2010). We keep it simple too – no tricky fine print, no fancy footwork to trip you up. And you’ll be pleasantly surprised to see how our prices compare. More often than not we find we can save people hundreds on their health cover; it’s the type of deal you’d expect from your industry health fund.

2. We’re a mutual not-for-profit fund. That means we’re owned by our members. We have no reason for existing other than to provide our members with the best possible health cover at the best possible price. We return more than 90% of contributions to members through claims payments; with us, it’s all about a better deal for members, not shareholders.

We don’t waste money on a lot of branches for our members to line up in.

Have you noticed how so many companies today treat their customers like a real inconvenience?

head office 46 burwood road burwood nsw 2134

Some make you pay to come in and talk to a staff member, others charge you extra if you choose to pay the way you want rather than the way that suits them, and others even make you do the work yourself! What’s happened to the idea of service? Why is it that customers are treated like the ones who are lucky to be receiving an organisation’s service rather than the organisation behaving like it’s grateful to have you as a customer?

wollongong 139 keira street wollongong nsw 2500

We exist to serve our members – this focus makes it possible for us to deliver member value above everything else.

newcastle 2/28 donald street hamilton nsw 2303 brisbane 1/59a melbourne street south brisbane qld 4101


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Contents

apshot – 04 1. product sn ur family? – 06 2. who’s in yo r – 10 hospital cove 3. choosing a cover – 13 ral treatment ne ge a ng si 4. choo rams – 16 agement prog 17 5. health man nce cover? – have ambula 6. should you 20 – cost? is it going to 7. how much w? – 21 8. so, what no ? – 22 in jo 9. ready to

5. We’re here to help. You’ve probably heard a lot of health funds trying to tell you how simple it all is – ‘Easy as 1, 2, 3’, they say. Well, guess what? It isn’t. Health insurance is complicated and confusing, but it is important. And never more so than the day you need to use it. We want to help you make sure that you’ve made the right decisions for yourself and your family when that day comes. Our team are experts in our health covers and in how the healthcare system works. Everything we do is designed to make it easier for you to understand, easier to make the right choices, and easier to get the most from your health cover. This brochure is designed to help you choose the right rt health cover for you. So let us guide you step-by-step through the key decisions you need to make, and help you to bear in mind some important considerations along the way. If you don’t want to do this by yourself, you don’t have to. Call our member care team and we’ll talk you through the options, help you to compare your current health cover with what rt can offer, and even give you a hand finding your way through the application form.

We would love to welcome you and your family on board as new rt health fund members, so whatever you need, we’re here to help.

am ember care te Call your rt m ail us at em 3, 12 6 88 on 1300 fund.com.au help@rthealth e at lin on or visit us fund.com.au th al he .rt w w w


We don’t confuse people with complicated products. 02


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Research shows that people find health insurance really confusing. No kidding. It’s confusing enough with all the rules, regulations, government programs, incentives and penalties. Then most health funds like to roll out dozens of different health covers – each one making it sound like you have the top level of cover available – wrapped in a mountain of fine print. We prefer to keep it simple with a small range of easy-to-understand covers, and no itty-bitty fine print to confuse you. It seems to be an approach that works, too. The Australian Financial Review’s Smart Investor magazine has named our covers among the best value in the country for three years running (2008 + 2009 + 2010).


hospital cover

1. product snapshot

extras cover

The more circles filled in, the higher the level of cover.

An easy guide toer. your level of cov Our top level of cover 04

Before we start talking about the ins and outs of our different cover choices, here’s a quick overview to help you understand what ‘level’ of cover they each offer. Most people like to take a combination of hospital and extras – it gives you peace of mind, knowing that you have options available if you have a hospital stay, as well as the added benefit of rebates on a range of day-today and preventative health things like dental, optical, massage, natural therapies and so on. With the exception of our Fit + Healthy Cover, which only comes as a package, you can choose to take hospital and extras together, or just one or the other – whatever suits you. We’ve shown the different combinations of hospital and extras packages here.

Private Hospital + Extras This is a great hospital and extras package. • There are no exclusions with our Private Hospital Cover; you’re covered for treatment in the hospital of your choice, by the doctor of your choice. And our Extras Cover gives you generous rebates on a huge range of health and wellbeing products, services and treatments that aren’t covered by Medicare. • You can choose to take your Private Hospital Cover with an optional $250 excess, which will reduce the cost. • You get a discount when you take Private Hospital + Extras together, although you can take just one or the other if you prefer. • Some benefit limitations apply if you take Extras Cover by itself, make sure you’re happy with these before you make your choice.

For details on each of our covers, check out pages 10 -15.


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Our intermediate cover

Our lowest level of cover

Fit + Healthy Hospital & Extras

Basic Hospital + Extras

This is like ‘health cover lite’. • You’re covered for some treatments in a private hospital and some in a public hospital, always with the doctor of your choice, as well as a simple selection of extras. • Fit + Healthy Hospital comes with an automatic $250 excess, which helps to keep the cost down. • This is a combined hospital and extras cover; you can’t take one without the other.

This is a good hospital cover if you don’t need or want access to a private hospital. • You’re covered for treatment in the public hospital of your choice, by the doctor of your choice. Add in our Extras Cover, and you also get generous rebates on a huge range of health and wellbeing products, services and treatments that aren’t covered by Medicare. • You get a discount when you take Basic Hospital + Extras together, although you can take just one or the other if you prefer. • Some benefit limitations apply if you take Extras Cover by itself, make sure you’re happy with these before you make your choice. am ember care te Call your rt m ail us at em 3, 12 6 88 on 1300 fund.com.au help@rthealth e at lin on or visit us fund.com.au th al he .rt w w w


2. who’s in your family? There are a number of things to bear in mind when choosing your health cover. Think of these as ‘conversation starters’ to help you make the right choice, or to help our team help you.

Which cover suits you best?

Who do you want to cover?

Things to consider

Just you (girls)

One of the main differences between health cover choices for men and women is the question of whether you want to be covered for pregnancy. While it might not be a top priority right now, it’s never a bad idea to think about whether you might want to be covered sometime in the future.

Singles

Our Private Hospital Cover is the only one that gives you full coverage for pregnancy in the hospital of your choice with the doctor of your choice. If you start with a lower level of hospital cover you can always upgrade, but remember, a 12-month waiting period will apply from the time you upgrade, so you won’t be covered for pregnancy immediately. Just you (guys)

Key things for you to think about include your age, how healthy you are, whether you have any specific health concerns and if you want cover for things like physio, optical, dental, massage, natural therapies, vaccines and so on. If you’re a younger guy, or someone who’s a bit older but still ten-foot tall and bulletproof, you might be interested in our Fit + Healthy Cover. This is a great ‘entry level’ cover and we keep the price down for you by excluding some things you might not need.

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For details on each of our covers, check out pages 10 -15.


Both of you (opposite sex or same sex)

If you’re planning a family, choosing a cover that includes pregnancy means you can easily transfer to a family membership that will cover any new arrivals at no extra cost ... no matter how many you add to your brood!

Couples Families

Take a look at all of the considerations for singles on the previous page, because they’re probably relevant for you, too.

All of you (two adults and any number of kids)

Most families know all too well about the costs associated with dentist appointments, braces, glasses, prescriptions, a trip to the hospital every now and then – and the occasional remedial massage to iron out all the kinks. If you’re considering anything less than our Private Hospital + Extras, be careful to note the exclusions and the lower benefits that apply to other covers before making your final choice.

You and the kids (one adult and any number of kids)

All of the above applies to you, too. The difference is that our Private and Basic Hospital Covers offer a price break to single parent families. Since there’s only one adult, it is a little less expensive than a family cover with two adults. Not many health funds offer a special category of cover for single parent families, but we’re all about real-life health cover to suit real-life families.

Health cover for your kids Your children are covered by your family or single parent family membership until their 21st birthday. After that, there are a couple of options for you to keep them covered up to their 25th birthday, provided they are not married or living in a de facto relationship: 1. If they are studying full-time they can remain on your membership at no additional cost. 2. If they are working, they can remain covered if you have our Private Hospital Cover (with or without Extras, does not apply to Basic or Fit + Healthy Hospital Covers) for an additional contribution that’s only a fraction of what they’d pay for their own individual health cover. Call our member care team for details, 1300 886 123.

Once they’re 25, it’s time for the kids to get their own cover. Thanks to your rt membership, they’ll not only be automatically eligible to join, but if they transfer to their own membership within two months of leaving yours they can join with no waiting periods to serve.

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am ember care te Call your rt m ail us at em 3, 12 6 88 on 1300 fund.com.au help@rthealth e at lin on or visit us fund.com.au th al he .rt w w w


We don’t force people to talk to machines. 08


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A lot of people get a real shock when they call us. We’ve all become so used to having our calls answered by machines, and having to jump through hoops pressing ‘1’ for this, ‘3’ for that, and ‘9’ to hear the options all over again. Is it any wonder that we’re frustrated before we even get to talk to a human being? When you call us, we’ll answer the phone. And the same person who answers the phone is the person who can help you with your call. Real people delivering real service – do you think it’ll ever catch on?


3. choosing a hospital cover How does hospital cover work? When you go into hospital there are three different types of costs: 1. The hospital’s costs. These are the costs associated with your accommodation and treatment: your bed, the ward, your food, the nursing staff, all the equipment they use, all the bits of machinery they connect you up to and so on. You can be covered for 100% of these costs if you go to a hospital that has a contract with rt (after you pay your excess, if you have one). Since we have contracts with most private hospitals and day facilities in the country, chances are you’ll be okay, but we do recommend that our members check with us before booking their hospital stay. 2. The doctors’ costs. Every doctor and health professional who sees you will charge his or her own fees. This includes your surgeon, anaesthetist, other specialists, pathologist, radiologist, physiotherapist and plenty of behind-thescenes people you may never even lay eyes on during your hospital stay. Medicare and your health cover might not pay 100% of their costs and this is where most outof-pocket costs come from. Here’s why: every procedure or treatment you have in a hospital has a fee associated with it that has been set by the government as the amount that can be covered between Medicare and your health fund. It’s called the Medicare Benefits Schedule (MBS) fee. Medicare pays 75% of the MBS fee and,

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Which hospital cover suits you best? by law, health funds can pay the remaining 25%, but no more than that. Doctors can charge any amount above the MBS fee, and that amount ends up being an out-ofpocket cost for you. There are some things you can do to be aware of, reduce, or even avoid out-of-pocket costs. We always recommend our members contact us before going to hospital so we can help them work through what’s going to happen and how to best manage the costs. 3. Prostheses, drugs and other costs. Most of these will be covered, but there are a couple of restrictions on the types of prostheses and pharmaceuticals that we can pay for. These mostly apply to items that are not covered by the Pharmaceutical Benefits Scheme (PBS) or the federal government-approved Prostheses List. Again, we recommend our members check with us before going into hospital so there are no surprises.

rt has contracts wpitithals in mos t private hos ve got you Australia, so we’ you are. covered wherever


Type of cover

Private Hospital Cover

Fit + Healthy Hospital Cover

Basic Hospital Cover

Excess

Optional excess keeps the price down. Excess is not payable on day surgery or for children under the age of 16.

Automatic excess keeps the price down. Excess is not payable for children under the age of 16.

No excess available.

$250 for single membership – payable once in any 12-month period.

$250 for single membership – payable twice in any 12-month period.

$250 for couple, family or single parent family membership – payable twice in any 12-month period.

$250 for couple, family or single parent family membership – payable four times in any 12-month period (maximum of twice if it is for the same person).

No exclusions or restrictions. If Medicare pays a benefit on the treatment, service or procedure you’re having, then it’s covered by your Private Hospital Cover.

Obstetric procedures; IVF, GIFT and other artificial fertilisation / insemination procedures; sterilisation and reversal of sterilisation procedures; joint replacement procedures and their revisions; major eye surgery (glaucoma, cataracts, cornea and sclera transplants); any elective cosmetic surgery.

Exclusions

Restrictions

No exclusions or restrictions, but you are only fully covered for treatment in a public hospital. Admission to a private hospital will leave you with substantial out-of-pocket costs.

Psychiatric treatment, cardiothoracic procedures and rehabilitation are only covered in a public hospital.

Please note, this cover does not enable you to bypass public hospital waiting lists for accommodation. Your treatment will be subject to the individual hospital’s bed availability.

Waiting periods – accidents

1 day

1 day

1 day

– general services

2 months

2 months

2 months

– pre-existing conditions

12 months

12 months

12 months

– obstetrics / pregnancy-related services

12 months

Not covered

12 months

Benefit limitation period

Default benefits apply during the benefit limitation period. This is not applicable if you’re transferring to rt from an equivalent or higher level of cover with another health fund, and have already served waiting periods.

– elective surgery

12 months

12 months

12 months

– wisdom tooth extraction

12 months

12 months

12 months

Additional benefits available at no extra cost

Emergency ambulance transportation (see page 17 for more information). Access Gap Cover – helps reduce out-of-pocket costs. Hospital at home – offers an alternative to a hospital admission or enables you to leave hospital early and receive treatment in your own home. Health4life – helps people self-manage existing or potential chronic diseases (including asthma, diabetes, arthritis, heart disease and others). Pregnancy, birth + beyond – provides support from the time of conception until baby’s first birthday, includes unlimited telephone and email access to midwives, pregnancy website and a gift on the birth of your baby (only available with Private Hospital Cover).

Things you mighbtout ... be wonder ing a

How do I know what I’m covered for? It’s easier than it seems. First, you must be admitted to a hospital or day surgery as an inpatient. And second, if Medicare pays a benefit for the treatment, service or procedure, then you’re covered (unless the cover you choose specifically excludes it).

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If I switch to rt will I lose the time I’ve built up with my current health fund? You won’t have to serve waiting periods again if you’re transferring to rt from an equivalent or higher level of cover with another health fund, or if you’ve been covered by your parents’ membership and you’re just starting out with your own, as long as it’s not more than two months since you left your last health fund.

Read more on page 16.

Is more information available? Our detailed cover guides list everything you’re covered for and how much you can expect to get back. Take a look at the ‘rt members’ area of our website and click on the page ‘how do you know what you’re covered for’ to download a table for the product you’re interested in. Visit www.rthealthfund.com.au.

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4. choosing a general treatment cover You probably know this as ‘extras’ or ‘ancillary’ cover, these days the health insurance industry calls it general treatment cover. It’s cover for the types of healthcare services that you might want to have outside of hospital. It includes things like dental, optical, physio, prescriptions, vaccines, massage and a huge range of other things that aren’t covered by Medicare. We have three options when it comes to choosing a general treatment cover: 1. Extras Cover together with an rt hospital cover – gives you our top level of extras cover. 2. Extras Cover without an rt hospital cover – almost identical to extras with an rt hospital cover, but it bundles the dental and specialist therapy benefits into combined limits. This is a lower level of cover than you get if you take hospital and extras together. 3. Fit + Healthy Extras Cover – comes with Fit + Healthy Hospital, and provides good cover for the fit and healthy, but keeps the cost down by leaving out some things.

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Please note, this is only summary information, showing the annual limits that can be claimed per person or per family. Limits for individual consultations or services apply. If you’re interested in knowing more, our detailed cover guides list everything you’re covered for and how much you can expect to get back. Take a look at the ‘rt members’ area of our website and click on the page ‘how do you know what you’re covered for’ to download a table for the product you’re interested in. Visit www.rthealthfund.com.au.

Which general treseat?tment cover suits you b

Type of cover

Extras (when taken together with Private or Basic Hospital Cover)

General dental

$2,000 max 6 extractions and 8 fillings

Major dental – endodontics

$600

– crowns and bridges

$1,200

– dentures

$800 every 3 years

– periodontics

$500

– occlusal therapy

$300

Orthodontics

$1,000 ($3,000 lifetime limit)

Optical – frames, lenses and contact lenses

$300

Specialist therapies – physiotherapy, occupational therapy, speech therapy, orthoptics, chiropractic / osteopathic

$500 per therapy

– podiatry

$500

– audiology

$160

– dietetics

$500

– psychology, hypnotherapy

$500

Alternative therapies – acupuncture, aromatherapy, bowen therapy, chinese medicine, herbal medicine, homeopathy, iridology, myotherapy, naturopathy, reflexology, remedial massage, shiatsu, swedish massage

$750 combined limit

Health services – home nursing (visits)

$700

– home nursing (day care)

$700

– midwife (visits)

$300

– midwife (delivery of baby)

$330

– hearing aid repairs

$100

– school accidents

$750

– accommodation expenses

$300 ($600 family limit)

– travel expenses

$250 ($500 family limit)

– pharmaceuticals

$600

– vaccines

$150

Health aids – orthotics (custom made), orthopaedic shoes, artificial eyes, artificial limbs, crutches (hire or purchase), wheelchairs, wigs, blood glucose monitors, nebulisers, braces and splints, blood pressure monitors, external breast prostheses, CPAP and BPAP machines (excluding masks and tubing), compression garments, oral appliance (dental item numbers 983 and 984), TENS machines, oxygen cylinders

$1,600 sub-limits apply

– hearing aids

$600 ($1,200 every 3 years)

$1,400 combined limit

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Extras Only (when not taken with either Private or Basic Hospital Cover)

Fit + Healthy Extras

Waiting period

$500 ($1,000 family limit)

2 months

Not covered

12 months

$1,000 ($3,000 lifetime limit)

Not covered

12 months

$300

$300 (6-month waiting period applies)

3 months

$500 combined limit ($1,000 combined family limit), sub-limits apply

$300 per therapy ($600 per therapy family limit) excludes speech therapy

$625 combined limit ($1,250 combined family limit) max 6 extractions and 8 fillings sub-limits apply for major dental

$500

Not covered

$160 $500

$300 ($600 family limit)

$500

Not covered

2 months

Acupuncture only $300 ($600 family limit) $750 combined limit

Remedial massage only $200 ($400 family limit)

2 months

$700 $700 $300

$1,400 combined limit

$330

Not covered

$100

2 months

$750 $300 ($600 family limit) $250 ($500 family limit)

$200 ($400 family limit)

$600

$300 ($600 family limit)

$150

$75 ($150 family limit)

$1,600 sub-limits apply

$300 ($600 family limit) excludes orthotics and orthopaedic shoes

12 months

$600 ($1,200 every 3 years)

Not covered

24 months

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5. health t managemen programs When it comes to helping you ‘be well, can often have profound effects on a person’s physical, emotional and mental wellbeing, get well and stay well’, we’re putting making it difficult to carry on with daily routines our money where our mouth is. As a health fund, we’re in the business of helping people take care of their health. And for us, that means doing more than just paying claims and helping cover the costs when you’re unwell or injured. We like to do as much as we can to make sure you don’t find yourself in that boat in the first place. Our health management programs are designed to help you do just that – and they’re available as part of your rt hospital cover at absolutely no extra cost. Hospital at home Our hospital at home program can help you get home from hospital sooner, or even avoid a hospitalisation altogether, by providing you with ‘hospital equivalent’ treatment and follow-up care in your own home. The program is available for all kinds of treatments and post-procedure support. If it is possible to provide the treatments you need in your own home, and if you, your doctor and the hospital agree that it is appropriate for you, then we can help. Our objective is to bring the hospital to you, so you can concentrate on your recovery in the comfort and privacy of your home. Hospital at home is available to eligible members with any rt hospital cover, at absolutely no cost. Health4life Chronic diseases include (but are not limited to) conditions such as asthma, diabetes, arthritis, depression, cancer and heart disease. And they

and relationships. The positive news is that in many cases, chronic diseases can be ‘managed’, and sometimes even prevented, by adopting specific behaviours and making lifestyle changes. But we know this can be difficult to do alone. Our health4life program is designed to support you in improving your health so you can enjoy a better quality of life. Participants are assigned a professional case manager who provides them with tailored information and support through a series of telephone appointments over either a six or 12-month period, depending on their needs.

Health4life is available to eligible members with any rt hospital cover, at absolutely no cost. Pregnancy, birth + beyond Having a baby is exciting but it can also be a little overwhelming, especially for first-time parents. Being armed with practical and relevant information, and having access to expert midwives whenever you need them will give you the peace of mind of knowing that there’s help at hand with any questions or issues that arise during your pregnancy. Our pregnancy, birth + beyond program is designed to give you a guiding hand from conception right through to baby’s first birthday, helping you to enjoy a stress-free pregnancy as well as adjust to the changes and challenges that come with having a baby. Pregnancy, birth + beyond is available to eligible members with our Private Hospital Cover, at absolutely no cost.


6. should you have e Ambulanc Cover?

You’re covered after 1 day of membership.

Emergency ambulance transportation is included in each of our hospital covers. If you live in:

Then you’re covered for:

NSW or ACT

• Unlimited cover • Emergency and non-emergency ambulance attendance and transportation • Cover applies no matter where you are in Australia

QLD

If you’re a Queensland resident, you pay a Community Ambulance Levy through your electricity bill. Your rt hospital cover therefore does NOT include cover for ambulance. For more information visit www.ambulance.qld.gov.au.

VIC, SA, WA and NT

• $5,000 per person, per year • Emergency ambulance transportation (no cover for non-emergency transportation or ambulance attendance only) • Cover applies no matter where you are in Australia You can take out a higher level of ambulance cover, which includes non-emergency and ambulance attendance, with these state-based organisations: Victorian Ambulance Service, www.ambulance.vic.gov.au South Australian Ambulance Service, www.saambulance.com.au St John Ambulance Western Australia, www.stjohnambulance.com.au St John Ambulance Northern Territory, www.stjohnnt.org.au

TAS

• $5,000 per person, per year • Emergency ambulance transportation (no cover for non-emergency transportation or ambulance attendance only) • Cover only applies when Tasmanian residents use the ambulance service while in Queensland or South Australia (there is no cover for Tasmanian residents while in Tasmania, Victoria, WA, NT, NSW or ACT) The Tasmanian Ambulance Service provides a free service to all Tasmanian residents, www.dhhs.tas.gov.au

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am ember care te Call your rt m ail us at em 3, 12 6 88 on 1300 fund.com.au help@rthealth e at lin on or visit us fund.com.au th al he .rt w w w


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We don’t profit from our members.


Today, almost three-quarters of all Australians with private health insurance are covered by ‘for profit’ funds. This is a significant change in the health insurance industry, which up until the last couple of years was almost entirely not-forprofit. For profit funds face increased pressure to deliver profits and dividends, together with the constantly escalating costs of healthcare. There is little doubt that it will be their members who will foot the bill. We exist to serve our members, not to profit from them.

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7. How much is it going to cost? You’ll find a comprehensive price list tucked into the pocket at the back of this brochure (if someone has beaten you to it, give our member care team a call for a quote on 1300 886 123, or use our online quote calculator at www.rthealthfund.com.au). There are a few things that affect the price of your health cover: • Do you have a lifetime health cover loading? A government loading applies to anyone who hasn’t taken out hospital cover before 1 July following their 31st birthday. For every year you are over 31 when you first take out hospital cover (or start up again if you haven’t had cover for a while) you will incur a 2% loading. When you’ve held your cover continuously for ten years the loading will be removed. • What rebate are you entitled to? Depending on your age you will be entitled to a 30% (up to age 64), 35% (age 65 to 69) or 40% (70 and over) government rebate on the cost of your health cover. If you need more information on these or other government programs relating to private health insurance, let us know or visit the Commonwealth Department of Health and Ageing website at www.health.gov.au. • Are you a single parent family? Our Private and Basic Hospital Covers are less expensive for single parent family memberships than for family memberships that cover two adults.

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And remember

, taking hospital and extras cover together is better value, because you get a special combined rate.

How does rt compare? We think you’ll find we compare very well. More often than not we find we can offer people a better price on the same or even a higher level of cover than they currently have. Our team can help you work through the process of comparing your current cover with what rt has to offer. If you prefer, you can do some simple comparisons yourself using the government website, www.privatehealth.gov.au. All health funds submit their Standard Information Statements (SISs) to this website. SISs are designed to set out the details of all health fund products in a similar way, making it easier for people to compare.


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8. so, what now? Ready to join, risk free? We understand that deciding to join a health fund for the first time, or switching over from your current fund, is a big step. We want to make it easy for you, so once you join we’ll give you 30 days to try us risk free. If you change your mind within the first 30 days, we’ll refund your money.

You’ve got nothing to lose with portability of cover You won’t have to serve waiting periods again if you’re transferring to rt from an equivalent or higher level of cover with another health fund, or if you’ve been covered by your parents’ membership and you’re just starting out with your own, as long as it’s not more than two months since you left your last health fund. In some circumstances, during your first year of membership, you may have to pay the excess applicable to your previous health cover if you need to go to hospital, and benefits you’ve already used up with your previous fund may be taken into consideration.

Let’s check that you’re eligible to join There are two different types of health funds in Australia – unrestricted funds that anyone can join, and exclusive membership funds that require special eligibility to join. rt is an exclusive membership health fund. We exist specifically to care for the health cover needs of transport and electricity industry employees and their families.

Try our 30-day risk‑free trial. Any current or former employees of a railway, transport or electricity industry organisation and their family – including partner, kids and extended family – are eligible to join. So you are able to join if you or any member of your extended family has ever worked for a: • government or privately owned land, sea or air transport company • government or privately owned electricity company • government body responsible for administering the transport or electricity industries • company that provides contract services to any of the above organisations.

Want more detailed information on our products? More information is available on each of our covers. Our detailed cover guides list everything you’re covered for and how much you can expect to get back. Take a look at the ‘rt members’ area of our website and click on the page ‘how do you know what you’re covered for’ to download a table for the product you’re interested in. Visit www.rthealthfund.com.au.

am ember care te Call your rt m ail us at em 3, 12 6 88 on 1300 fund.com.au help@rthealth e at lin on or visit us fund.com.au th al he .rt w w w


9. Ready to join?

1300 886 123 help@rthealthfund.com.au www.rthealthfund.com.au

.

m a te re ca er b em m r ou ct ta Con So what do you think, would you like to join us? We’ll handle all the paperwork, and even arrange the transfer from your old fund for you. All you need to do is: • visit our website to join online, www.rthealthfund.com.au, or • complete the application form in the back of this brochure. If it’s missing you can visit our website and join online or download another application form.

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Meet Josie from oumr. member care tea


A few things you might like to know

s

er b em m e d vi ro p to n a th er ng oth ti is ex r fo n so a re o n ve a h e “W r...” ve co h lt ea h le b si os p t es b e with th You’ve made the right choice to protect yourself and your family with private health cover. Before you get started we wanted to take a quick moment to point out a few things about rt that you might find interesting.

3. We’ve been looking after Australian workers since 1889. We’ve been providing health cover to people in the transport and electricity industries for more than 120 years, so we’ve had a long time to get it right.

1. We’re the health fund for transport and electricity industry people. If you or a member of your family currently work in the transport or electricity industries, or ever have, or if you work for a company that provides services to the transport or electricity industries, then you’re eligible to join.

4. We have a simple range of great value health covers. In fact, Australian Financial Review’s Smart Investor magazine has named us one of Australia’s ‘best-value health funds’ for three years running (June 2008 + 2009 + 2010). We keep it simple too – no tricky fine print, no fancy footwork to trip you up. And you’ll be pleasantly surprised to see how our prices compare. More often than not we find we can save people hundreds on their health cover; it’s the type of deal you’d expect from your industry health fund.

2. We’re a mutual not-for-profit fund. That means we’re owned by our members. We have no reason for existing other than to provide our members with the best possible health cover at the best possible price. We return more than 90% of contributions to members through claims payments; with us, it’s all about a better deal for members, not shareholders.

We don’t waste money on a lot of branches for our members to line up in.

Have you noticed how so many companies today treat their customers like a real inconvenience?

head office 46 burwood road burwood nsw 2134

Some make you pay to come in and talk to a staff member, others charge you extra if you choose to pay the way you want rather than the way that suits them, and others even make you do the work yourself! What’s happened to the idea of service? Why is it that customers are treated like the ones who are lucky to be receiving an organisation’s service rather than the organisation behaving like it’s grateful to have you as a customer?

wollongong 139 keira street wollongong nsw 2500

We exist to serve our members – this focus makes it possible for us to deliver member value above everything else.

newcastle 2/28 donald street hamilton nsw 2303 brisbane 1/59a melbourne street south brisbane qld 4101


A few things you might like to know

s

er b em m e d vi ro p to n a th er ng oth ti is ex r fo n so a re o n ve a h e “W r...” ve co h lt ea h le b si os p t es b e with th You’ve made the right choice to protect yourself and your family with private health cover. Before you get started we wanted to take a quick moment to point out a few things about rt that you might find interesting.

3. We’ve been looking after Australian workers since 1889. We’ve been providing health cover to people in the transport and electricity industries for more than 120 years, so we’ve had a long time to get it right.

1. We’re the health fund for transport and electricity industry people. If you or a member of your family currently work in the transport or electricity industries, or ever have, or if you work for a company that provides services to the transport or electricity industries, then you’re eligible to join.

4. We have a simple range of great value health covers. In fact, Australian Financial Review’s Smart Investor magazine has named us one of Australia’s ‘best-value health funds’ for three years running (June 2008 + 2009 + 2010). We keep it simple too – no tricky fine print, no fancy footwork to trip you up. And you’ll be pleasantly surprised to see how our prices compare. More often than not we find we can save people hundreds on their health cover; it’s the type of deal you’d expect from your industry health fund.

2. We’re a mutual not-for-profit fund. That means we’re owned by our members. We have no reason for existing other than to provide our members with the best possible health cover at the best possible price. We return more than 90% of contributions to members through claims payments; with us, it’s all about a better deal for members, not shareholders.

We don’t waste money on a lot of branches for our members to line up in.

Have you noticed how so many companies today treat their customers like a real inconvenience?

head office 46 burwood road burwood nsw 2134

Some make you pay to come in and talk to a staff member, others charge you extra if you choose to pay the way you want rather than the way that suits them, and others even make you do the work yourself! What’s happened to the idea of service? Why is it that customers are treated like the ones who are lucky to be receiving an organisation’s service rather than the organisation behaving like it’s grateful to have you as a customer?

wollongong 139 keira street wollongong nsw 2500

We exist to serve our members – this focus makes it possible for us to deliver member value above everything else.

newcastle 2/28 donald street hamilton nsw 2303 brisbane 1/59a melbourne street south brisbane qld 4101


Find your applicatiaontionformhere. and pricing inform

Contact us if we can give you a hand.

While you are making your decision about whether to join rt health fund, and which cover is best for you, it is important that you read (and retain for future reference) this brochure and any other materials that we might send to you or refer you to. The information contained in this brochure is general information about rt’s insurance services and products and provides a summary of our covers. rt takes care to ensure the information found in it is complete and accurate. The information does not however represent the complete list of cover, waiting periods and benefits in relation to rt’s insurance services. rt accepts no responsibility for loss or expense arising from reliance on the information found solely in this document. You should confirm any benefit, waiting period or statement within any of rt’s policies and obtain advice specific to your individual circumstances by contacting rt health fund on 1300 886 123. Effective 1 October 2010. railway + transport health fund ltd (abn 93 087 648 744) is a registered health benefits organisation.

Printed on Nordset. Nordset is an environmentally responsible paper produced from FSC (mixed sources) certified pulp from well managed forests and is Elemental Chlorine Free (ECF). Nordset is manufactured by Nordland Papier, a company certified with environmental management systems ISO 14001 and EMAS, the EU Eco-management & Audit Scheme (Reg. No.D-162-00007). Nordset has also been awarded the EU “Flower” Eco-label certification. This brochure has been printed using eco-friendly inks by an FSC accredited printer. Designed and produced by team scope design www.teamscope.com.au. Printed by Green and Gold Printing www.greenandgold.com.au.

health cover for + transporty electricit industry people


Find your applicatiaontionformhere. and pricing inform

Contact us if we can give you a hand.

While you are making your decision about whether to join rt health fund, and which cover is best for you, it is important that you read (and retain for future reference) this brochure and any other materials that we might send to you or refer you to. The information contained in this brochure is general information about rt’s insurance services and products and provides a summary of our covers. rt takes care to ensure the information found in it is complete and accurate. The information does not however represent the complete list of cover, waiting periods and benefits in relation to rt’s insurance services. rt accepts no responsibility for loss or expense arising from reliance on the information found solely in this document. You should confirm any benefit, waiting period or statement within any of rt’s policies and obtain advice specific to your individual circumstances by contacting rt health fund on 1300 886 123. Effective 1 October 2010. railway + transport health fund ltd (abn 93 087 648 744) is a registered health benefits organisation.

Printed on Nordset. Nordset is an environmentally responsible paper produced from FSC (mixed sources) certified pulp from well managed forests and is Elemental Chlorine Free (ECF). Nordset is manufactured by Nordland Papier, a company certified with environmental management systems ISO 14001 and EMAS, the EU Eco-management & Audit Scheme (Reg. No.D-162-00007). Nordset has also been awarded the EU “Flower” Eco-label certification. This brochure has been printed using eco-friendly inks by an FSC accredited printer. Designed and produced by team scope design www.teamscope.com.au. Printed by Green and Gold Printing www.greenandgold.com.au.

health cover for + transporty electricit industry people

rt health fund  

ETU product brochure 2010

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