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How you can save everyday.

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

Contact HCF to get started.

A little more about our partner.

Since 1932, HCF have been putting members health first and today over 1.8 million Aussies trust HCF with their health cover. As Australia’s largest not-for-profit health insurer, HCF members get more benefits^ back for every dollar paid in premiums than the industry average. They’re not your typical health fund – they genuinely want you to get great value cover.

Find out more about HCF.

Not a member? Join now.

Become a member

Reward Terms & Conditions

Cashback offer

$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.


^90% compared to 86% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2012-21.

~100% back from providers in HCF’s No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. HCF recommend that you confirm the provider prior to booking your appointment. See

#Excludes Accident Only Basic cover.

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