We've partnered with HCF to bring you HCF’s superior Corporate Health Insurance at a special RAC rate, saving you 5% on your premium†. 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.

100% back on selected extras

Get 100% back on many dental, optical, physio, chiro and podiatry claims from participating providers.*

Know your gap

For peace of mind when it comes to out of pocket expenses, with HCF, 96.5% of medical services in WA have no gap, or a known gap.~ 

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 by selecting one of the hospital covers below and adding your preferred extras option. Or if you only want a hospital cover or just need extras, you can do that too.

Hospital cover

Corporate Basic Hospital Corporate Mid Hospital Executive Hospital Ultimate Hospital
Basic hospital cover designed for the healthy and budget conscious Affordable hospital cover for some common procedures Comprehensive hospital cover for a range of services Premium hospital for those who prefer complete piece of mind
No excess for kids
No excess for kids Yes Yes Yes Yes
Cancer related services and more
Cancer related services and more Yes Yes Yes Yes
Joint investigations and reconstructions
Joint investigations and reconstructions Yes Yes Yes Yes
Heart surgery
Heart surgery - Yes Yes Yes
Pregnancy
Pregnancy - Minimum Benefit# Minimum Benefit# Yes

Extras cover

Basic Extras


Cost effective, entry level cover for:

  • Dental
  • Optical
  • Selected therapies

Lifestyle Essentials Extras

Basic extras cover for:

  • Dental
  • Optical
  • Selected therapies

Active Essentials Extras


Affordable mid-level extras covering a range of services and therapies.

Lifestyle Plus Extras


Quality extras cover for a wide range of services and therapies.

Ultimate Extras


Top level extras for the highest cover for therapies and services.


Visit rac.hcf.com.au and select the level of cover that suits you.

Get a quote

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.  Their corporate health product has superior features to their award winning retail range.

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 Karrinyup, Garden City, Booragoon, and Carousel Shopping Centre, Cannington.

Not-for-profit

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.

*Depending on the level of cover and up to your annual limit.
† When compared with equivalent levels of cover in the HCF retail range.
#Minimum Benefits - If you choose a hospital cover where Minimum Benefits apply to some procedures then HCF will pay the rate set out by the Commonwealth Minister for Health, from time to time, as the Minimum Benefit paid for a shared room and benefits for Government approved Prostheses List items. In a private hospital: these benefits wouldn’t cover all the hospital costs and there could be significant out-of-pocket expenses for you to pay.  In a public hospital: if you elect to be a private patient in a public hospital, you may have to pay out of pocket expenses if these benefits are less than what your chosen public hospital charges or do not cover all hospital costs.
~State of the Health Fund report (2016)
Issued by The Hospital Contribution Fund of Australia Limited ABN 68 000 026 746 (HCF), a registered private health insurer. RACWA Holdings Pty Ltd ABN 60 008 985 877 receives a commission for RAC members it introduces to HCF and who take out an HCF corporate health insurance product.