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.