Why choose RACT health insurance ?

At RACT Health Insurance, we believe in giving you affordable cover you can understand.

​​​Whether you are a single, a couple, or a family, RACT Health Insurance has a range of affordable private health insurance covers to suit your needs. Choose between three great levels of cover to suit you and your lifestyle, ranging from basic hospital cover for young singles to comprehensive hospital and extras cover for growing families. 

  • Connect Rewards Plus
  • 60-day money-back guarantee^
  • Flexible cover to meet your needs: choose hospital, extras or both
  • Competitive premiums and great value cover
  • Online claims and membership management
  • You choose your own provider
  • The same high standard of service, product and help you’ve come to expect from the RACT 

Hospital cover

There are two types of costs associated with private treatment while you're an inpatient in a registered hospital – hospital costs and medical costs.

View Hospital Cover Options

Extras cover

Extras cover provides benefits for services like dental, optical (glasses and contact lenses), naturopathy, physiotherapy, podiatry, chiropractic and ambulance.

View Extras Cover Options

About RACT health insurance

RACT Health Insurance is brought to you by GMHBA.

GMHBA is a not-for-profit organisation that has serviced the community for over 75 years, we know great service, great value for money and great experi​ence is what counts most.

RACT Health Insurance – just for members.

To enjoy RACT Health Insurance rates you’ll need to hold an RACT membership – but don’t worry, membership is free when you sign up to RACT Health Insurance. That means you get the health insurance cover you need, as well as access to a wide rate of RACT benefits and services, including the Show Your Card & Save program, free technical advice, discounts and much more.

RACT Health Insurance is a fully compliant member of the private health insurance code of conduct.


^If you find better value health insurance within 60 days of joining and have not made a claim we will refund your money in full.

RACT Health Insurance is available to new and existing RACT members only. RACT Health Insurance is brought to you by GMHBA Limited