HCF Health Insurance

We've partnered with HCF, Australia's number 1 most trusted private health insurer, to bring you an exclusive RAC joining offer available to new members of up to $400 cash back#. Like the RAC, HCF are a member based organisation, so they are committed to putting you and your family's health first.

Find out more about HCF here, or call 1800 649 422.

Cash back for combined hospital and extras cover

$400 cash back for new Family, Couple or Single parent memberships. $200 cash back for new single memberships #

100% back on selected extras 

Get 100% back on many dental, optical, physio, chiro and podiatry claims from over 3,000 WA service providers. ^

Switching is easy

If you already have health insurance, HCF will contact your current fund for you. Plus, HCF will recognise waiting periods already served with your current fund however some longer waiting periods and conditions may apply.

Choose the cover that is best for you

You can create your own hospital and extras package, or if you only want a hospital cover or just need extras, you can do that too. Here is a summary of HCF’s most popular products to help you find the cover that suits you.

HCF most popular products

Package option one

HCF My Future 500 Basic Plus

Per Week

Hospital and extras package designed for young singles and couples getting health insurance for the first time.

Package option two

HCF My Family Silver Plus

Per Week

Affordable hospital cover combined with flexible extras. Designed for growing families who want pregnancy cover and extras like dental, optical and a range of therapies.

Package option three

HCF Hospital Gold and HCF Mid Extras

Per Week

Comprehensive hospital cover including cover for pregnancy to provide complete peace of mind, plus affordable mid level extras for dental, optical and a range of therapies

*This price is based on single cover in WA, with a 25.415% rebate, $500 excess and no Lifetime Health Cover loading.

About HCF

Award winning products

HCF Health insurance has won a range of awards, such as the CANSTAR award for outstanding value in health insurance for 2016 & 2017.
HCF Health insurance is also CHOICE recommended for it’s Basic Hospital cover in WA 2018.

Excellence in service

HCF have received international recognition for outstanding customer service, winning the 2016 CSIA Service Excellence - Not for Profit award and the International Customer Service Excellence – Large Business (Customer Service Institute of America) award. 
HCF have three WA branches in Garden City, Carousel and Lakeside Joondalup Shopping Centres.


Like the RAC, HCF is also a member based organisation, so their focus is on their members health and not profit. Today they are Australia’s largest not-for-profit Health Insurer.

#Payment will be made by direct deposit up to 6 weeks after paying your first 3 months’ premium. $400 cash back for Family, Couple or Single parent memberships purchased through RAC. $200 cash back for Single memberships purchased through RAC. You must not have been HCF member 2 months prior to offer, must provide valid email address and maintain policy after 30 day cooling off period.

^Depending on your level of cover and up to your annual limit.

†Roy Morgan, Net Trust Survey, 2018 & 2019

Issued by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746 (HCF), a registered private health insurer. RAC Insurance Pty Limited (ABN 59 094 685 882) receives a commission for RAC members it introduces to HCF and who take out a HCF health insurance product

HCF Health Insurance with up to $400 cash back#