Bringing you award winning health insurance with HCF

We've partnered with HCF 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 or call 1800 649 422

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Up to $400 cash back when you join

RAC members get up to $400 cash back when joining HCF Health Insurance.#
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100% back on popular extras

Get 100% back on selected extras available from over 3,000 WA service providers in the HCF network.^
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Most trusted health insurer 2 years in a row

HCF were voted Australia's most trusted health insurer 2 years in a row.

HCF’s most popular products

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.

Bronze Plus Hospital with Mid Extras

from $21.60* per week

  • Up to $400 cash back#

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


  • Joint reconstructions
  • Kidney and bladder
  • Digestive system
  • And many more services

Optional extras include

  • 100% back on up to two dental checks per year at participating providers
  • 100% back on prescription glasses from a selected range, at participating providers>
  • Free digital retinal imaging eye check at participating providers
  • Cover on a range of therapies

Standard Silver Hospital Plus with Mid Extras

from $24.95* per week

  • Up to $400 cash back#

Affordable hospital cover combined with flexible extras like dental, optical and a range of therapies.


  • Digestive system
  • Heart and vascular system
  • Back, neck and spine
  • And many more services

Optional extras include

  • 100% back on up to two dental checks per year at participating providers
  • 100% back on prescription glasses from a selected range, at participating providers>
  • Free digital retinal imaging eye check at participating providers
  • Cover on a range of therapies

Gold Hospital With Vital Extras

from $43.05* per week

  • Up to $400 cash back#

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


  • Pregnancy and birth
  • Assisted reproductive services
  • Hospital psychiatric services
  • And many more services

Optional extras include

  • Comprehensive Extras cover
  • 100% back on up to two dental checks per year at participating providers
  • 100% back on prescription glasses from a selected range, at participating providers>
  • 100% back on a first visit to physio, chiro, osteo and podiatrist from over 3,000 WA service providers^
  • Increasing loyalty limits each year

More cover options

Not sure which cover is right for you? With HCF you can customise your cover to suit your individual needs.

*This price is based on single cover, for someone living in WA, under the age of 65, earning less than $90,000 per year, with $500 excess.

Health insurance FAQs

More about HCF Health Insurance

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Switching is easy

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

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Australia’s largest non-for-profit health insurer

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.

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Award-winning customer service

HCF been recognised for customer service excellence with a Customer Service Institute Award for the last 8 years in a row. In 2019 they won the Customer Service Institute Award for Service Excellence – Large Contact Centre.

#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. 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. You must not have been an HCF member 2 months prior to taking up the offer, must provide a valid email address and maintain your policy after the 30 day cooling off period.

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

> Up to your annual limits, excluding add-ons such as high index material, coatings and tinting.

†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#