# 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, FAMILY OR SINGLE PARENT COVER
|
| Package product (hospital & extras) |
$200
|
$400 |
| Hospital cover only
|
$150
|
$300
|
| Extras cover only
|
$50
|
$100
|
Ambulance only cover, Overseas Visitors Health Cover and RT Health cover are excluded. To be eligible for the offer, you must not have been a Policyholder or a Partner on an HCF or RT Health policy within the 6 months prior to your policy start date and you must not have previously received a Virtual Visa gift card under any RAC member offer made by 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 from receipt of the redemption email. 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 policyholder. Terms and conditions apply, see corporate.hcf.com.au/rac.
^ 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.
* For new HCF members who join HCF between 15 September 2026 and 10 November 2026, HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for new members in accordance with these terms (Offer). Offer commences at 00:00 AEST on Tuesday 15 September 2026 and ends at 23:59 AEDT on Tuesday 10 November 2026 (Offer Period). To be a new eligible member 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, Bronze Plus and My Family 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 or weeks free cover 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 six weeks free cover, you must pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the extension. Not available via a broker. 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).
