HCF Health Insurance – RAA member discount

What's the deal?

RAA members can get 6 weeks free++ and 5% off eligible corporate cover* with HCF.

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How do I get it?

Join eligible HCF corporate combined hospital and extras cover by 17 April to get 6 weeks free after 3 months, and claim right away on selected extras++. Plus get 5% off your corporate hospital or extras cover*. Visit the HCF website or talk to the HCF health insurance experts on 1800 048 400 to learn more.

About HCF

Proudly Australian owned and run, HCF delivers value and peace of mind to over 2 million Australians who trust them to be there when it matters most. As Australia’s largest not-for-profit health fund they’ve paid out more benefits for every dollar their members paid in premiums than the industry average over the last 10 years **.

HCF’s member-driven approach helps keep health cover affordable, rewards members for their loyalty and makes quality care more accessible to more people.

Some of the benefits of joining HCF:

Get great value and benefits with HCF corporate hospital and extras cover.
100% back on 1 or 2 dental check-ups a year, prescription glasses from a selected range, and a first visit to a physio, chiro or osteo with over 16,000 extras providers in their No-Gap network^.
A free upgrade to Top Hospital Cover for up to 90 days if you’re involved in an accident~.
Access to HCF Corporate Flex My Extras^^. Its basic extras cover with a single limit plus additional limits for optical and remedial massage that help you get more back on the extras you’ll actually use.

++HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 AEDT on Monday 17 February 2025 and ends at 23:59 AEST on Thursday 17 April 2025 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must join combined HCF hospital & extras cover (excluding Hospital Premium Gold and Hospital Optimal Gold cover, Corporate Hospital Premium Gold, and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period, and you must not have been an HCF member 2 months prior to taking out the Eligible Policy. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. To be eligible for the six weeks free cover, you must also 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. Offer is not available with any other corporate joining offer.

*5% corporate discount is not available on Future Care and Flex My Extras products. Discount does not apply to any lifetime health cover loading.

**89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014–23.

^100% back through HCF's No-Gap network is available on selected covers. Waiting periods and annual limits apply. HCF's network of healthcare providers change often Please check that your provider is part of HCF's network before you book or attend an appointment. See hcf.com.au/100back

~ Must visit the emergency department within 24 hours of the accident. Excludes Accident Only Basic cover. See hcf.com.au/accident-safeguard for more information.

^^ Singles and Couples only. Flexible $650 single limit plus $175 optical limit and $100 remedial massage and myotherapy limit per person, per year.

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