Reserve Bank Health Society
Registered as Reserve Bank Health Society Ltd · fund code RBH · Restricted membership: Current & former employees of the Reserve Bank.
Health insurance
Reserve Bank Health Society sells 30 open policies with hospital cover (15 hospital-only, 15 combined with extras, counting one per state and household type) in all states, grouped below into 6 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gold Hospital | Gold | Hospital | — | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $304.27 – $778.93 | |
| Gold Hospital and Premium Extras Cover | Gold | Combined | — | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $466.64 – $1,194.60 | |
| Bronze Plus Hospital $500 | Bronze Plus | Hospital | $500 | None | 24 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $141.45 – $282.90 | ||
| Bronze Plus Hospital $750 | Bronze Plus | Hospital | $750 | None | 24 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $130.41 – $260.82 | ||
| Bronze Plus Hospital $500 and Premium Extras | Bronze Plus | Combined | $500 | None | 24 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $336.48 – $672.96 | ||
| Bronze Plus Hospital $750 and Premium Extras | Bronze Plus | Combined | $750 | None | 24 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $325.44 – $650.88 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 24 of 38 categories covered, 2 restricted, 12 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Weight loss surgery
Products Bronze Plus Hospital $500 (Bronze Plus, hospital); Bronze Plus Hospital $750 (Bronze Plus, hospital); Bronze Plus Hospital $500 and Premium Extras (Bronze Plus, combined); Bronze Plus Hospital $750 and Premium Extras (Bronze Plus, combined)
Cover profile 2 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Gold Hospital (Gold, hospital); Gold Hospital and Premium Extras Cover (Gold, combined)
Extras profiles
Extras profile 1 · 25 services
Services Acupuncture, Antenatal and postnatal, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Gold Hospital and Premium Extras Cover (Gold, combined); Bronze Plus Hospital $500 and Premium Extras (Bronze Plus, combined); Bronze Plus Hospital $750 and Premium Extras (Bronze Plus, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (4 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (2 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/reserve-bank-health-society.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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