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.
RAC strives to provide our members access to a comprehensive range of services to protect and enhance their lifestyle. By partnering with HCF Health Insurance, 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 nearly 2 million members. HCF and RAC share similar values with members at the heart of our service.
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
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.
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.
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.
Rest assured that no claims information will be disclosed by HCF to RAC. The only information that will be shared are your personal details that RAC also holds on file to maintain your membership - RAC's Privacy Policy.
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 in Booragoon or Carousel Shopping Centre in Cannington.
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 to find out what you're entitled to under your current policy. HCF is open 7 days a week.
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
