Bringing you award winning health insurance with HCF

We've partnered with HCF, awarded Canstar's Outstanding Value - Health Insurance six years in a row, to bring you an exclusive RAC joining offer of up to $400 cash back when you join hospital & extras cover and stay for 3 months#. Like 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 hospital & extras cover and staying for 3 months.#
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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.~
CANSTAR 2021 Outstanding Value Health Insurance Australia

Outstanding value insurance

HCF were awarded Canstar's Outstanding Value - Health Insurance six years in a row (2016 – 2021)

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.

Award winning health insurance

HCF Health Insurance has won a range of awards, such as Outstanding Value - Health Insurance by Canstar 6 years in a row.

CANSTAR 2016 - Outstanding Value - Health Insurance - Australia
CANSTAR 2017 - Outstanding Value - Health Insurance - Australia
CANSTAR 2018 - Outstanding Value - Health Insurance - Australia
CANSTAR 2019 - Outstanding Value - Health Insurance - Australia
CANSTAR 2020 - Outstanding Value - Health Insurance - Australia
CANSTAR 2021 - Outstanding Value - Health Insurance - Australia

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.

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. 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, must provide valid email address and maintain policy for three months. Cashback offer excludes Ambulance only cover. Terms and conditions apply and can be obtained by contacting HCF.

~ 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.

^ To be eligible to receive the 2-month waiting period waiver offer (Offer) you must be a new HCF corporate member who joins hospital and extras cover (excludes Overseas Visitors Health Cover) before 11.59pm on 30 June 2022 and the policy commences before that time. This Offer cannot be taken up by existing HCF customers. For members eligible for this Offer, HCF will not apply a waiting period for any extras services that ordinarily have a 2 month waiting period. HCF will continue to apply waiting periods on extras that are longer than 2 months and waiting periods on hospital treatment. If HCF recognises waiting periods you've already served with your current fund for the extras services, the Offer may not be of benefit you. Benefits used with your current fund will count towards your annual limit under your new HCF policy.

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