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.
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 over 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 |
| 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
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.
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.
Rest assured that no claims information will be disclosed by HCF to RAC. HCF will only disclose your name, contact details and type of cover held to RAC for the purpose of establishing, maintaining RAC membership records or contacting you about membership. For information about how RAC manages personal information, please refer to RAC's Privacy Policy.
- 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.
Extras claims can be processed;
- on the spot with providers who utilise the HICAPS system
- by submitting a photo of your claim quickly and easily via the HCF app
- by visiting a branch
- by downloading a claim form and sending it to HCF via post
Australia's private health insurance system categorises hospital cover into four tiers: Gold, Silver, Bronze, and Basic. The Australian Government has mandated the minimum requirements for each tier. These tiers help consumers understand what treatments are covered under their hospital policy.
- Gold: The highest level of coverage, including all clinical categories. It covers treatments like pregnancy and birth-related services, joint replacements, cataract surgery, and heart procedures.
- Silver: Covers most clinical categories but may exclude some high-cost treatments like pregnancy and cataract surgery.
- Bronze: Offers a more affordable option with fewer covered treatments. It generally excludes treatments like lung and heart procedures.
- Basic: The lowest tier, covering only a limited number of treatments. It is designed for those who want minimal hospital cover.
Some insurers offer "Plus" policies, such as Silver Plus or Bronze Plus, which include additional coverage beyond the standard tier requirements.
