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RAC strives to provide our members access to a comprehensive range of services to protect and enhance their lifestyle. By partnering with HCF Health Insurance, we give our members the chance to protect their most important assets: themselves and their families’ health.
Operating since 1932, HCF is Australia’s largest not-for-profit health insurer, covering over 2 million members. HCF and RAC share similar values with members at the heart of our service.
When you join HCF through RAC, you are eligible to receive an exclusive Virtual Visa gift card reward offer when you stay with HCF for 3 months.# The amount of the reward will depend on the type of cover you buy.
| COVER TYPE | SINGLE COVER | COUPLE OR FAMILY COVER |
| Combined Cover (hospital & extras) | $200 | $400 |
| Hospital cover only | $150 | $300 |
| Extras cover only | $50 | $100 |
Terms and conditions apply, see corporate.hcf.com.au/rac
You can join HCF through RAC by joining online
# Up to $400 Virtual Visa gift card for Family, Couple or Single Parent memberships. Up to $200 Virtual Visa gift card for Single memberships. The amount of the Virtual Visa gift card reward will depend upon the eligible Hospital and/or extras cover you buy via RAC. Ambulance cover only and Overseas Visitors Health Cover are excluded. To be eligible for the offer, you must not have been an HCF member within 2 months prior or switching to HCF. The Virtual Visa gift card redemption offer will be sent to your nominated email address after you have paid 3 months premium and you have maintained your policy for 3 months. You have 90 days to redeem the offer. Use of the Virtual Visa gift card is subject to any terms and conditions of the Virtual Visa gift card issuer. Limit of one Virtual Visa gift card per policy. Terms and conditions apply, see corporate.hcf.com.au/rac
You can switch health insurers any time of the year.
Switching your health fund to HCF is fast and uncomplicated. It takes less than 15 minutes to choose the HCF cover that works for you and complete your application form, making sure you don't forget to provide the details of your current health fund. Then HCF will take care of the rest - which includes liaising with your previous fund, so you don't have to.
When you switch funds, there's no need to re-serve your waiting periods for the benefits previously covered - so if you're covered for major dental and you already served your waiting period with your previous health fund, waiting periods won't apply again for major dental with HCF, as long as your new policy has the same level of benefits for those items. If you're switching and upgrading your hospital cover - let's say you're switching from a silver policy to a gold one - you'll need to serve the relevant waiting periods for your new services and for services with higher entitlements.
HCF can assist you seamlessly transfer from your existing provider. Please contact HCF on 1800 649 422 and select option 2, to assist this process.
