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Up to $400 Visa gift card when you join
RAC members can get up to $400 Visa gift card when joining HCF hospital & extras cover and staying for 3 months.#
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. ˜
Award-winning health insurance with HCF
We've partnered with HCF to bring you an exclusive RAC joining offer of up to $400 Virtual Visa gift card – join hospital & extras cover and stay for 3 months# and if you join before 30 September 2024, HCF will waive the usual 2 month waiting periods on extras†. Find out more about HCF or call 1800 649 422.
Choose your coverChoose 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.
* This price is based on single cover, for someone living in WA, under the age of 65, earning less than $93,000 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.
RAC members save more
As a member you get access to great discounts & offers
Health insurance FAQs
I am eligible for the Virtual Visa gift card offer. When will I receive the card?
The Virtual Visa gift card redemption email will be sent to your nominated email address up to 6 weeks after paying your first 3 months premium and you have maintained your policy for 3 months. You must redeem the offer within 90 days. Once redeemed, your gift card will be emailed to your nominated email address.
Who is HCF?
Operating since 1932, HCF is Australia’s largest not-for-profit health insurer, covering 1.5 million members. HCF and RAC share similar values with members at the heart of our service.
What offer am I entitled to with HCF?
When you join HCF through RAC, you are eligible to receive an exclusive Virtual Visa gift card reward offer#. The amount of the reward will depend on the type of cover you buy.
| COVER TYPE | SINGLE COVER | COUPLE OR FAMILY COVER |
| Package product (hospital & extras) | $200 | $400 |
| Hospital cover only | $150 | $300 |
| Extras cover only | $50 | $100 |
Terms and conditions apply, see corporate.hcf.com.au/rac
You can join HCF through RAC by, joining on line
# Up to $400 Virtual Visa gift card for Family, Couple or Single Parent memberships. Up to $200 Virtual Visa gift card for Single memberships. The amount of the Virtual Visa gift card reward will depend upon the eligible Hospital and/or extras cover you buy via RAC. Ambulance cover only and Overseas Visitors Health Cover are excluded. To be eligible for the offer, you must not have been an HCF member within 2 months prior or switching to HCF. The Virtual Visa gift card redemption offer will be sent to your nominated email address after you have paid 3 months premium and you have maintained your policy for 3 months. You have 90 days to redeem the offer. Use of the Virtual Visa gift card is subject to any terms and conditions of the Virtual Visa gift card issuer. Limit of one Virtual Visa gift card per policy. Terms and conditions apply, see corporate.hcf.com.au/rac
How do I find out more about the plan or get a quote?
You can view the product range, get a quote or find out more information any time at corporate.hcf.com.au/rac. Alternatively you can call the dedicated RAC sales team on 1800 649 422 and select option 2, or visit your local HCF kiosk at Lakeside Shopping Centre, Joondalup, Garden City Shopping Centre or Carousel Shopping Centre.
How do I switch from an existing Health Fund?
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.
Insurance member support
Support for family violence, financial hardship, accessibility and specialist services
# Up to $400 Virtual Visa gift card for Family, Couple or Single Parent memberships. Up to $200 Virtual Visa gift card for Single memberships. The amount of the Virtual Visa gift card reward will depend upon the eligible Hospital and/or extras cover you buy via RAC.
| COVER TYPE | SINGLE COVER | COUPLE OR FAMILY COVER |
| Package product (hospital & extras) | $200 | $400 |
| Hospital cover only | $150 | $300 |
| Extras cover only | $50 | $100 |
Ambulance cover only and Overseas Visitors Health Cover are excluded. To be eligible for the offer, you must not have been an HCF member within 2 months prior or switching to HCF. The Virtual Visa gift card redemption offer will be sent to your nominated email address after you have paid 3 months premium and you have maintained your policy for 3 months. You have 90 days to redeem the offer. Use of the Virtual Visa gift card is subject to any terms and conditions of the Virtual Visa gift card issuer. Limit of one Virtual Visa gift card per policy. Terms and conditions apply, see corporate.hcf.com.au/rac
† Offer only available to new members taking out an eligible HCF Extras cover between 00:01 AEST 1 July 2024 and 11.59pm AEST 30 Sept 2024. You must not have been an HCF policyholder in the 2 months prior to taking out an eligible HCF cover. Hospital Waiting periods will continue to apply. Waiting periods under Extra’s cover of more than 2 months will continue to apply.
^ 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 12 month waiting period from the date you join HCF.
< The Canstar Outstanding Value Health Insurance - National Award was awarded to HCF from 2016-2022.
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.
