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Our policies are perfect for busy Queenslanders, just like you. With RACQ Health Insurance you can enjoy competitively priced policies, your choice of extras cover, the AIA Vitality health and wellbeing program, plus all the benefits and discounts you’ve come to love with your RACQ membership. Take a moment to compare our health insurance policies and find the one that’s right for you.

Hospital cover

Get cover for you and your loved ones when you need hospital treatment. With various levels of cover you can choose one that suits your budget, life style and life stage.

Basic Hospital

Our great value health cover for if you have an accident out-of-the-blue.

Bronze Hospital

Enjoy our Bronze Hospital policy and get cover for some hospital treatments.

Silver Hospital 

Choose a Silver Hospital product – Silver, Silver Plus or Silver Plus Premium and know you’re covered for what you will really use.

Gold Hospital & Packages

After cover with no exclusions or restrictions? Gold Hospital is our highest policy level, letting you live life without worry.

Extras cover

Claim back on everyday medical expenses with a combined hospital and extras policy. With a choice of tiered extras, you can choose what percent you want us to cover. With dental, physio and 100% back on optical, you can spend less on medical costs and more time getting out and exploring Queensland. See the tiers of extras you can claim with RACQ Health Insurance.

RACQ Basic Hospital and Minimum 50 Extras Up to 50% back on extras 100% back on optical
RACQ Bronze Hospital and Minimum 50 Extras Up to 50% back on extras 100% back on optical
RACQ Bronze Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Bronze Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Bronze Plus Hospital and Everyday 55 Extras Up to 55% back on extras 100% back on optical
RACQ Bronze Plus Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Bronze Plus Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Silver Hospital and Minimum 50 Extras Up to 50% back on extras 100% back on optical
RACQ Silver Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Silver Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Silver Hospital and Mid 60 Extras Up to 60% back on extras 100% back on optical and preventative health
RACQ Silver Plus Hospital and Comprehensive 70 Extras Up to 60% back on extras 100% back on optical and preventative health
RACQ Silver Plus Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Silver Plus Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Silver Plus Hospital and Mid 60 Extras Up to 60% back on extras 100% back on optical and preventative health
RACQ Silver Plus Premium Hospital and Mid 60 Extras Up to 60% back on extras 100% back on optical and preventative health
RACQ Silver Plus Premium Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Silver Plus Premium Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Silver Plus Premium Hospital and Top 70 Extras Up to 70% back on extras 100% back on optical preventative health
RACQ Gold Hospital and Lite 60 Extras Up to 60% back on extras 100% back on optical
RACQ Gold Hospital and Lite 70 Extras Up to 70% back on extras 100% back on optical
RACQ Gold Hospital and Mid 60 Extras Up to 60% back on extras 100% back on optical preventative health
RACQ Gold Hospital and Top 70 Extras Up to 70% back on extras 100% back on optical preventative health