Piggy bank with coin going in

Up to $400 cash back when you join

RAC members can get up to $400 cash back when joining HCF hospital & extras cover and staying for 3 months.#

RAC staff wearing telephone headset

Switching is easy

Switching your health fund is quick and easy. It takes less than 15 minutes.


100% back on popular extras

Get 100% back on popular extras from thousands of service providers in HCF’s no-gap network in WA. ^

Get outstanding value cover with 8 weeks free

Join HCF by 30 June 2024 on an eligible combined hospital and extras cover and get 8 weeks free.++

Plus, RAC members can also get up to $400 cash back.#


HCF-RAC Logo lockup Canstars Health insurance outstanding value 2020-2022

Award-winning health insurance with HCF

We've partnered with HCF to bring you an exclusive RAC joining offer of up to $400 cash back – join hospital & extras cover and stay for 3 months. Find out more about HCF or call 1800 649 422.#

Choose your cover

Choose your HCF health cover

Here’s a summary of HCF’s most popular products to help you find the cover that suits you. Or choose your own level of hospital and extras.

Hospital Bronze
& Mid Extras

from $22.05* 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

With Mid Extras

Hospital Standard Silver Plus & Mid Extras

from $26.30* 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

With Mid Extras

Hospital Premium Gold & Vital Extras

from $52.95* per week

  • Up to $400 cash back#

Comprehensive hospital cover including pregnancy cover plus affordable extras for dental, optical and other therapies.

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

With Vital Extras

*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 $750 excess.

More cover options

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

More about HCF Health Insurance


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. (Some longer waiting periods and conditions may apply.)


Australia’s largest non-for-profit health insurer

Like RAC, HCF is a member based organisation so their focus is on their member’s health and not profit. That’s why they put the health and wellbeing of their 1.9 Million members before everything else.


Award-winning customer service

HCF have been recognised for customer service excellence with a Customer Service Institute Award (CSIA) winning the 2022 Best of the Best Customer service Organisation of the Year (large business) awards.

Health insurance FAQs

HCF Health Insurance with up to $400 cash back#

# $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 a valid email address. Cashback offer excludes Overseas Visitors Health Cover and Ambulance only cover. Terms and conditions apply, see corporate.hcf.com.au/rac.

^ Excludes Accident Only Basic cover.

~ 100% back from providers in HCF’s No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. HCF recommend that you confirm the provider prior to booking your appointment. See hcf.com.au/100back.

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

** Excludes hearings aids as there is a 12month waiting period from the date you join HCF.

< The Canstar Outstanding Value Health Insurance - National Award was awarded to HCF from 2016-2022.

++ To be eligible to receive the eight weeks free offer (Offer) you must be a new HCF member who joins eligible combined hospital & extras cover between 25 March 2024 00:00 AEST and 30 June 2024 23:59 AEST (Offer period). Excludes Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover. Your cover must start during the Offer period, and you must not have been an HCF member 2 months prior to taking out the Offer. You must pay your first months' premium and maintain your policy for 1 month which will entitle you to have the date your policy is paid to extended by six weeks; and after 12 months from the date you join us, you will be entitled to have the date your policy is paid to extended by an additional two weeks. HCF may take up to six weeks to process each extension.

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.