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Compare RACQ health insurance

How RACQ health insurance rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff

RACQ Health Insurance summary

RACQ is a mutual organisation and motoring club providing insurance and other services to Queenslanders since 1905. RACQ Health Insurance is provided by myOwn Health Fund through a commercial partnership.

MyOwn health insurance was established in 2017 as a joint venture between life insurer AIA Australia, health fund GMHBA and financial services provider Discovery.

GMHBA owns health fund brands:

Phone: 1800 291 029


Is RACQ Health Insurance nonprofit?


Does RACQ get many complaints from members?

RACQ Health is a newcomer to the market, and doesn't have enough members for us to accurately calculate a complaints rating. We use the complaints rating of its parent fund, AIA Health.

AIA Health complaints rating: Low

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is RACQ's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating for AIA Health (RACQ's health insurance provider), which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does RACQ have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements RACQ has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does RACQ offer any discounts?

RACQ has a rewards program that offers up to 5% off premiums.

Youth discounts: None.

Does RACQ offer ambulance cover?

All hospital and combined policies cover emergency ambulance in all states.

Does RACQ offer family policies that cover adult children?

Yes, adult children are covered up to age 25 if in full-time study.

Does RACQ let you claim online or in-app?

Online claiming via membership portal.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.