Health insurance

If you have a hospital & medical claim - log into the HCF member portal or call 1800 649 422 and select option 1 for service enquiries,  7 days a week to find out what you're entitled to under your current policy.

Extras claims can be processed by;

• on the spot with providers who utilise the HICAPS system 
• submit a photo of your claim quickly and easily via the HCF app
• visit a branch
• download a claim form and send via post

You can switch health insurers any time of the year. And when you join HCF, you’ll have a 30-day cooling off period. This means, if you change your mind and cancel your HCF policy within 30 days of joining, you’ll receive your money back if you haven't made a claim in that period. Plus, 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 the Interfund Transfer section. 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 reserve your waiting periods for benefits previously covered – so if you’re covered for major dental with your previous health fund, you’ll get major dental with HCF too, 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 - you’ll need to serve the relevant waiting periods for your 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.

Rest assured that no claims information will be disclosed by HCF to RAC. The only information that will be shared are your personal details that RAC also holds on file to maintain your membership - RAC's Privacy Policy.

By agreeing to the terms and conditions of becoming a HCF member, you are also agreeing to that information being disclosed between both parties.

As a member of RAC, thanks to our partnership with HCF, you will have access to HCF’s award winning private health insurance range.^ Benefits include no excesses for kids with Hospital products and you are entitled to up to $400 cash back when you join or switch to HCF hospital and extras cover.#    

^HCF health insurance has won a range of awards, such as Outstanding Value Health Insurance by Canstar 6 years in a row.

# $400 cash back for Family, Couple or Single parent memberships. $200 cash back for Single memberships. To be eligible to receive the cashback offer you must take up combined hospital and extras cover with HCF via RAC. Payment will be made by direct deposit up to 6 weeks after paying your first 3 months’ premium and maintaining your policy for 3 months. HCF will send you an email to redeem your EFT payment and you must provide your bank account details within 90 days to redeem the offer. Limit 1 EFT payment per policy. You must not have been an HCF member 2 months prior to offer and must provide valid email address. Cashback offer excludes Overseas Visitors Health Cover and Ambulance only cover. Terms and conditions apply and can be obtained by contacting HCF.