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.
Up to $400 cash back when you joinRAC members get up to $400 cash back when joining HCF Health Insurance.#
100% back on popular extrasGet 100% back on selected extras available from over 3,000 WA service providers in the HCF network.^
Most trusted health insurer 2 years in a rowHCF 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.
Health insurance FAQs
RAC strives to provide our members with a comprehensive range of services to protect and enhance their lifestyle. By adding Health Insurance to our offering, we give our members the chance to protect their most important assets: themselves and their families’ health.
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.
As a member of RAC, thanks to our partnership with HCF, you will have access to HCF’s award winning private health insurance range.^ Benefits include no excesses for kids with Hospital products and you are entitled to up to $400 cash back when you join or switch to HCF hospital and extras cover.#
^HCF health insurance has won a range of awards, such as Outstanding Value Health Insurance by Canstar 4 years in a row.
#$400 cash back for Family, Couple or Single parent memberships. $200 cash back for Single memberships. 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.
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, 7 days a week, or visit your local HCF kiosk at Lakeside Shopping Centre, Joondalup, Garden City Shopping Centre or Carousel Shopping Centre.
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.
If you’re over 18 and not already an RAC member when you take out HCF Health Insurance with RAC, you will be contacted by RAC to become a Red Card member. This means you'll be able to make the most of a great range of benefits. You can find out more by visiting rac.com.au/memberbenefits
By agreeing to the terms and conditions of becoming a HCF member, you are also agreeing to that information being disclosed between both parties.
- Call the HCF service number on:1800 649 422 and select option 1 for service enquiries.
- Visit your local HCF kiosk at:Lakeside Joondalup Shopping Centre, Garden City Shopping Centre or Carousel Shopping Centre.
If you have a hospital & medical claim - log into the HCF member portal or call 1800 649 422 and select option 1 for service enquiries, 7 days a week to find out what you're entitled to under your current policy.
Extras claims can be processed by;
- on the spot with providers who utilise the HICAPS system
- submit a photo of your claim quickly and easily via the HCF app
- visit a branch
- download a claim form and send via post
RAC members save more
As a member you get access to great discounts & offers
#$400 cash back for Family, Couple or Single parent memberships. $200 cash back for Single memberships. 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.
†Roy Morgan, Net Trust Survey, 2018, 2019 & 2020
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