RACQ Health Insurance

RACQ Health Insurance is health cover with more for members. Our range of health insurance policies suit Queenslanders of all shapes and sizes. Plus, through our partnership with AIA Vitality, we’re giving you the tools and motivation you need to make the most of life in Queensland. Get a quote online or call us for a quote today.

Join in March to get 6 weeks cashback in your first year

Plus an extra 2 weeks cashback in your second year. Conditions apply*

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Singles

Whether you’re after just the basics or want a bit more protection, get Singles Health Insurance and plan for your best life in Queensland.

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Couples

Get couples cover for you and your partner and enjoy the freedom to plan your goals and create a life you love.

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Families

Our Family Health Insurance covers small families to large, young kids to old. Get RACQ Health Insurance and protect those most important to you.

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Single parents

Your family is unique. Select cover for you and your kids and know you're doing your best to protect your kids.

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AIA Vitality

AIA Vitality’s scientifically-backed, personalised health and wellness program supports you to make healthier lifestyle choices.

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*Only for new customers who join on direct debit between 1 March 2019 and 31 March 2019. To receive the cash back members must maintain eligible policy for two months for the Initial Cash Back, and 13 months for the Final Cash Back from the join date.  Not available with other offers. View the full terms and conditions here.

Why choose RACQ Health Insurance?

At RACQ we put our members first. That’s why we make it easy to find the policy that’s right for you. In addition to great value cover you’ll enjoy access to the AIA Vitality health and wellness program. Get the support, tools and motivation you need to make healthier choices, every day.

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We make switching easy

Want to switch to RACQ Health Insurance? We’ll take care of you. Just choose one of our policies and we’ll do the rest.

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Why join RACQ?

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RACQ Health Insurance is issued by MO Health Pty Ltd ABN 32 611 323 034, a registered private health insurer, trading as RACQ Health Insurance, for which RACQ Operations Pty Ltd ABN 80 009 663 414 receives commission. RACQ Health Insurance lets you claim 100% back on optical up to annual limit from any recognised provider, after a six month waiting period. RACQ Health Insurance pays up to 70% back on all claims from recognised practitioners up to annual limits, waiting periods apply. Conditions, limits and exclusions apply. Please see the Product Fact Sheet for further details or contact us for a copy.

AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to date information and to view the AIA Vitality Terms and Conditions see aiavitality.com.au. Partner terms and conditions may also apply.

RACQ Health Insurance is issued by MO Health Pty Ltd ABN 32 611 323 034, a registered private health insurer, trading as RACQ Health Insurance. MO Health Pty Ltd (ABN 32 611 323 034) (RACQ Health Insurance) makes this up to 8 week cash back offer available on all RACQ Health Insurance products (Offer) on the following terms and conditions:

 

(Eligible Customer):

1. Eligibility criteria

You are only eligible to access the Offer if you meet all of the following requirements

1. You do not currently hold a RACQ Health Insurance policy and have not held a RACQ health insurance policy for at least two months prior to 1 March 2019;

2. You purchase an RACQ Health Insurance policy between 1 March 2019 and 31 March 2019;

3. You pay your RACQ Health Insurance policy premiums via direct debit;

4. You have held the same or an upgraded RACQ Health Insurance policy for a continual period for a minimum of two months for your Initial Cash Back Amount (defined in the table in item 2 below) and 13 months for your Final Cash Back Amount (defined in the table in item 2 below); and

5. Your premium payments have been paid in full. If you downgrade the RACQ Health Insurance policy (e.g., from a Gold to a Bronze policy or from a Family to a Single Policy) during the 13 month period after you first purchase your policy, you will not be eligible to receive the cash back offer.


2. The Cash Back Payment

2.1 If you are an Eligible Customer, you will receive a Cash Back Amount as set out in the table below:

Continuous membership tenure Cashback amount Payment of cashback amount
Continuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenure2 months Cashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amount6 weeks of your premium (initial cashback amount) Payment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amount3rd month of membership
Continuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenureContinuous membership tenure13 months Cashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amountCashback amount2 weeks of your then current premium (final cashback amount) Payment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amountPayment of cashback amount14th month of membership

2.2 Each Cash Back Amount is calculated on the actual amount you have paid in premium, and not the amount payable if you had not received any government incentives or your AIA Vitality discount.

2.3 Each Cash Back Amount will be paid into the bank account from which we receive your direct debit payments for your premium.

3. General

3.1 The offer is not available with any other RACQ Health Insurance promotional join offer.

3.2 Waiting periods, sub-limits and annual limits apply.

3.3 To the extent permitted by law, RACQ Health Insurance is not liable for any loss or damage suffered by you or any third party as a result of this promotion.