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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 through RAC and staying for 3 months#.
Get 6 weeks free
Join HCF by 9 December 2024 on an eligible combined cover and get 6 weeks free after 3 months, plus claim right away on selected extras++.
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
HCF have won more Canstar Health Insurance Awards than any other insurer in 2024<, including the Outstanding Value Health Insurance Award, which HCF’s won 9 years in a row.
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 $97,000 per year, with $750 excess.
Visa gift card reward offer
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 |
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 nearly 2 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 2024 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
When will I receive my Visa gift card?
You are eligible to receive the Virtual Visa card once you have maintained and paid your policy premiums for 3 months.
Within 6 weeks of you becoming eligible, HCF will send you a Virtual Visa gift card redemption offer email. This will be sent to the email address provided by you, when your policy commences.
You must redeem the offer within 90 days after receipt of the redemption email.
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 nearly 2 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 when you stay with HCF for 3 months#. 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 branch at Lakeside Joondalup Shopping Centre, Garden City Shopping Centre in Booragoon or Carousel Shopping Centre in Cannington.
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.
+ 100% back through More For You providers in our No-Gap network is available on selected covers. Waiting periods, annual service and limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back.
++ HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 ADST on Tuesday 8 October 2024 and ends at 23:59 ADST on Monday 9 December 2024 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must join combined HCF hospital & extras cover (excluding Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period and you must not have been an HCF member 2 months prior to taking out the Eligible Policy. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. To be eligible for the six weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the extension. HCF may, at its discretion, not permit this offer to be combined with other offers.
** This excludes hearings aids as there is a 12-month waiting period from the date you join HCF, even if you are switching from another health fund with the same level of benefits.
< Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and QLD and Hospital and Extras Insurance Award in TAS, VIC, WA.
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.
