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Up to $400 Visa gift card
RAC members can get up to a $400 Visa gift card when joining eligible HCF cover through RAC and staying for 3 months.#
Switching is easy
Switching your health fund is quick and easy. It takes less than 15 minutes.
Claim right away on selected extras
HCF will waive the usual 2-month wait period on selected extras.*
Award-winning health insurance with HCF
HCF's proud to have been named Australia's Most Trusted Private Health Insurance Brand in 2025* and have won more Canstar Awards than any other health insurer in Canstar's history.<
Choose your coverChoose the right HCF health cover for you
Create your own package by mixing and matching covers to get the one that's right for you. Here are some hospital and extras options to help you find the right cover.
Discover more HCF health cover options
Not sure which cover is right for you? With HCF you can customise your cover to suit your individual needs.
Visa gift card reward offer
When you join HCF through RAC and stay for 3 months, 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 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 for benefits previously covered.
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 over 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 the eligible policy 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 to HCF when you took out your policy.
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 over 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 |
| Combined Cover (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 online
# 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 find out more information by:
- visiting corporate.hcf.com.au/rac;
- calling the dedicated RAC sales team on 1800 649 422 and selecting option 2, during working hours; or
- visiting your local HCF branch at Lakeside Joondalup Shopping Centre, Garden City Shopping Centre in Booragoon or Carousel Shopping Centre in Cannington. Please remember to show your RAC Membership card.
How do I switch from an existing health fund?
You can switch health insurers any time of the year.
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 to provide the details of your current health fund. 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 re-serve your waiting periods for the benefits previously covered - so if you're covered for major dental and you already served your waiting period with your previous health fund, waiting periods won't apply again for major dental with HCF, 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 one - you'll need to serve the relevant waiting periods for your new services and for services with 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 to joining or switching to HCF. The Virtual Visa gift card 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.
* For eligible members who join HCF via any channel between 17 February 2026 and 20 April 2026, HC F will apply eight 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 AEDT on Tuesday 17 February 2026 and ends at 23:59 AEST on Monday 20 April 2026 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must take out combined HCF hospital & extras cover (excluding any Gold level Hospital cover and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period, you must not have been insured under an RT Health or HCF health insurance policy in the 2 months prior to taking out the Eligible Policy and you must not have received any promotional discount on any RT Health or HCF health insurance policy within the 12 months prior to receiving the Offer. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. Waiting periods for extras that are longer than 2 months and all waiting periods for hospital treatment will still apply. To be eligible for the first four weeks free cover, you must pay premiums for and maintain your Eligible Policy for 90 continuous days. After 12 months of premiums paid, you will be entitled to an additional four weeks free cover. HCF may take up to six weeks to process each extension. HCF may, at its discretion, not permit this Offer to be combined with other offers. HCF may amend the Offer terms and conditions and/or terminate this Offer at any time without notice (except in relation to members that have taken out an Eligible Policy prior to the amendment or termination).
+ 100% back through HCF's No-Gap network is available on selected covers. Waiting periods, annual service and limits apply. HCF's network of healthcare providers change often. Please check that your provider is part of HCF's network before you book or attend an appointment. See hcf.com.au/100back.
* Based on Roy Morgan Most Trusted Brand Award 2025.
< Based on number of Canstar National and State-based Health Insurance Awards from 2008 – 2025.
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.
