Find out more
What do I get?
RAC members can get up to a $400 Visa gift card when joining eligible HCF health cover through RAC and staying for 3 months.# Like RAC, HCF are a member based organisation, so they are committed to putting you and your family's health first.
Find out more about HCF or call 1800 649 422.
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 |
| Combined cover (hospital & extras) | $200 | $400 |
| Hospital cover only | $150 | $300 |
| Extras cover only | $50 | $100 |
How do I redeem?
1) Find out more about HCF Health Insurance brought to you by RAC.
2) Visit your local HCF kiosk at Lakeside Shopping Centre Joondalup, Garden City Shopping Centre or Carousel Shopping Centre.
3) Visit rac.hcf.com.au and select the level of cover that suits you.
4) You can call the dedicated RAC sales team on 1800 649 422 and select option 2, Monday to Saturday.
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.<
Find out more# 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 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.
^ 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.