Member Guide - RACT

Member loyalty programTake out combined hospital and extras coverand enjoy the extra benefits of the RACTHealth Insurance member loyalty program,Connect Rewards Plus.Connect Rewards Plus rewards memberson combined covers with Connect Rewardsdollars. The amount of dollars you receivedepends on how long you’ve been an RACTHealth Insurance member and your level ofhospital cover. So the longer you have beenwith us the more rewards dollars you’llreceive!Here’s how it worksThe tables below break down the Connect RewardsPlus dollars earned based on membership tenure andlevel of hospital cover.Years of Membership withRACT Health Insurance1 - 3 4 & 5 6 & 7 8 & 9 10+Tenure $0 $40 $60 $80 $100+Cover Platinum Gold Silver BronzeUse your rewards to reduce or eliminate out-of-pocket expenses3 Claim inpatient medical gap3 * Double your optical limit3 Reduce your hospital excess3 * Increase annual limits for:• pharmacy• physiotherapy• hearing aids• chiropractic/osteopathic3 * Increase major dental benefits including:• crowns• bridgework• dentures• surgical extractions• implants• indirect restorations• gold fillings• orthodontic• endodontic servicesTHINGS you should knowProductBonusWe have combined the benefits of membershiptenure and level of hospital cover in the table belowto detail the entire benefit you will receive.Cover$80 $40 $20 $0Years of Membership withRACT Health Insurance1 - 3 4 & 5 6 & 7 8 & 9 10+Platinum $80 $120 $140 $160 $180Gold $40 $80 $100 $120 $140Silver $20 $60 $80 $100 $120Bronze $0 $40 $60 $80 $100Note: Benefits listed in this table apply to family, couples and single parentmemberships. Rewards for singles are half those listed in the table.Benefit examples1. A family on Gold Hospital and Gold Extras who have held continuouscombined cover for 8 years will receive $120 Connect Rewards Plusdollars in that year.2. A single on Platinum Hospital and Bronze Extras after their first year ofcover will receive $40 Connect Rewards Plus dollars.Connect Rewards Plus benefit entitlements remainavailable while combined hospital and extras cover iscontinuously maintained.Note: *Only available on services already included in your extras cover and only when annual limits have been reached.You can also save money on services not coveredClaim up to 70% of the cost of the following when purchased from a RACT HealthInsurance approved provider:3 Remedial massage (up to $17 per visit)3 Swimming lessons (see page 50 for further details)3 Orthopaedic shoes – must be supplied by a registered podiatrist and be custom made3 Joint supports3 Melanoma surveillance photography3 Nicotine replacement therapy patches3 Quit smoking programs3 Blood pressure monitor (limited to 1 monitor per membership every 3 years)3 Bowel Cancer Risk Identification Kit (up to 100% of the cost limited to onekit per person each 2 years)3 Antenatal class benefits up to $70 per year (Classes must be provided by thehospital and not included in the hospital contract. Excludes Silver Hospital).Please note: Services listed within the program must be provided by practitioners who are registered withrecognised bodies approved by us. Contact us on 13 27 22 to confirm if a supplier is recognised. A doctor'sletter of recommendation may be required to claim some items. Details can be found in the ConnectRewards Plus section on page 50 with Important Information.THINGS you should know40 41