HCF

How you can save.

Get up to $300 cashback when you take out Hospital & Extras cover with HCF.
Terms and conditions apply. Please see below for more details. 

Switching is easy.

  • Switching your health fund to HCF is fast – and uncomplicated: it takes less than 15 minutes to choose the cover that works for you and fill in an application. HCF will take care of the rest – and that includes liaising with your previous fund, so you don’t have to.

  • No need to re-serve waiting periods for benefits previously covered

  • Obligation-free health fund cover check up

  • Get a 30-day money-back cooling off period

  • Switch at any time of the year

How you do it.

A little more about our partner.

HCF is Australia's largest not-for-profit health fund. Since 1932, they've helped over 1.6 million Australians lead healthier lives and get the most from the healthcare system. Plus, they're the most trusted health fund two years running.* Now that's uncommon care. 

Find out more about HCF.

Not a member? Join now.

Become a member

Reward Terms & Conditions

$300 EFT voucher for Family, Couple, or Single parent memberships purchased through RACT. 
$150 EFT voucher for Single memberships purchased through RACT. Payment will be made by direct deposit up to six weeks after paying your first three months’ premium. HCF will send you an email to redeem your EFT payment and you must provide your bank account details within 90 days to redeem the offer. You must not have been an HCF member two months prior to offer, must provide a valid email address and maintain and pay for the policy for three months. Limit 1 EFT payment per policy.

*Roy Morgan Net Trust Survey 2018 and 2019.

Why HCF? T&Cs

*This depends on your level of cover and annual limits. 100% back on physio, chiro or osteo is only available on some products.

^Roy Morgan Net Trust Survey 2018 and 2019. 2020 survey did not take place.

#90% compared to 86% across the industry. Calculated based on the average of the past 5 years, sourced from APRA, APRA, Statistics: Private Health Insurance Operations Report 2016-20, June 2020.

~You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only Basic cover, conditions apply.