Compare RACQ health insurance


A health fund launched in 2018 in partnership with myOwn Health Fund.

Fund information


RACQ Health Insurance summary

Is RACQ Health Insurance nonprofit? 

Does RACQ Health Insurance get many complaints from members?

How good is RACQ Health Insurance's gap cover? 

How many hospital agreements does RACQ Health Insurance have in my state? 

Does RACQ Health Insurance offer any discounts?

Does RACQ Health Insurance offer ambulance cover?

Does RACQ Health insurance offer family policies that cover adult children?

Does RACQ Health Insurance let you claim online or in-app?

What CHOICE Community says about RACQ Health Insurance

RACQ

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:

RACQ contact details

Phone: 1800 291 029

Website: racq.com.au/healthinsurance

Is RACQ Health Insurance nonprofit?

No.

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Does RACQ get many complaints from members?

RACQ Health Insurance opened in 2018 so complaints data isn't yet available.

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 GMHBA (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

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

We also display the percentage of medical services that RACQ covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory. 

RACQ Health gap cover performance by state

New South Wales (NSW)

Below average

Australian Capital Territory (ACT)

Below average

Victoria (Vic)

Below average

Queensland (Qld)

Average

South Australia (SA)

Below average

Western Australia (WA)

Well below average

Tasmania (Tas)

Well below average

Northern Territory (NT)

Average

Percentage of medical services covered with no gap

New South Wales (NSW)

RACQ Health – 76.3%

Industry average – 86.3%

Australian Capital Territory (ACT) 

RACQ Health – 58.3%

Industry average – 76.7%

Victoria (Vic) 

RACQ Health – 76.9%

Industry average – 85.0%

Queensland (Qld) 

RACQ Health – 81.9%

Industry average – 85.1%

South Australia (SA) 

RACQ Health – 77.0%

Industry average – 86.8%

Western Australia (WA) 

RACQ Health – 71.5%

Industry average – 90.1%

Tasmania (Tas) 

RACQ Health – 74.9%

Industry average – 83.0%

Northern Territory (NT) 

RACQ Health – 74.1%

Industry average – 80.1%

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.

RACQ Health has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

99 private hospital agreements out of an industry maximum of 100

90 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

54 private hospital agreements out of an industry maximum of 58

47 day hospital agreements out of an industry maximum of 53

SA

26 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

76 day hospital agreements out of an industry maximum of 79

WA

20 private hospital agreements out of an industry maximum of 23

24 day hospital agreements out of an industry maximum of 29

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Does RACQ offer any discounts?

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

Does RACQ offer ambulance cover?

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

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

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.


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What CHOICE Community says about RACQ

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about RACQ to share your experiences or gain more insights into this health fund.