Our History

Imagine it’s 1934. You face an enormous, unexpected hospital bill and there’s no health fund to rely on. You’re unable to pay the bill, so you have to present your case to a committee and hope the decision-makers see fit to give you some money towards your bill.

In May 1934, the Executive Committee of the Australian Union Conference gave five men the task of working out a scheme whereby all church employees could make “weekly payments to prepare for adequate care during times of sickness”. Those men were: Brethren TW Hammond, RE Hare, GT Chapman, RH Adair and GS Fisher.

Four months later, their recommendations were adopted and the Seventh-Day Adventist Church in Australia started its own private health fund for employees, called the Union Conference Medical Policy Fund.

Married workers contributed 6d (sixpence) each week, and single workers 3d (threepenny). If you wanted health cover to include your parents or siblings, you had to pay 6d whether married or single. If you needed hospital treatment, the fund covered 50% of medical bills – up to the value of £20 (pounds) annually.

You couldn’t send a claim to the health fund unless the bill was more than £2.2s (two pounds, two shillings). Surprisingly – compared with today’s generous fund – back then you were not allowed to claim for obstetrics, dentistry, tubercular-related illness, mental illness or chronic illness.

The health fund existed only for workers in conferences, intuitions, mission fields and student workers. The organisation employing the worker was asked to subsidise the fund to an amount equal to what the worker contributed to the fund.

In August 1971, ACA Health Benefits Fund (ACAHBF) was formalised. For 10 years, from 1976-1986, ACA wasn’t registered with the Australian Government as there appeared no advantage in doing so. However, a decision was made in April 1986 to re-register – in part to provide a ‘continuation of entitlement’ when employees transferred to other health funds when they left church employment.

A lot has changed since those early days. Today ACA Health Benefits Fund provides private health cover of exceptional value and great choice for current and past employees of the Adventist Church, Local Church Officers, and their families.

“The SDA church has long been committed to the health and wellbeing of its employees,’ says Jody Burgoyne, Manager ACA Health Benefits Fund. “Establishing a health fund was part of its ‘people ministry’. It helps the people who work for the church, to help the church fulfil its mission. We value our employees and their families, and that’s why ACA recently expanded its offering to provide private health cover for extended family members as well – not just immediate family.”

Today, ACA Health continues to live up to its motto ‘Because we care…’ by introducing the new Bare Essentials Hospital Cover and changing the product pricing structure in response to feedback form members.  ACA Health’s commitment and dedication to its members will continue on as it has since it all started back in 1934.

Because we care…

Why Us?

You and your family are at the centre of everything we do, rather than the concerns of shareholders, governments or overseas owners.

For over 80 years we’ve supported the families of iconic Australian companies like Sanitarium, Sydney Adventist Hospital and Adventist Education.

And with an independently verified member satisfaction level of over 98%, you can see that our more than 11,000 members love it when they’re put first and last.

We provide practical, simple policies not a thousand different options.

Our members have asked for and received market leading per treatment payments on the most important areas of dental, orthodontic and optical. For many common services like ‘scale and clean’, we offer more than double the return payments of some of the large funds.

ACA Health promotes a culture of caring and compassion believing in ethics before profits. There’s peace of mind in knowing that an ACA policy can cover you for hundreds of thousands of dollars in the event you need it.

What We Offer

  • Benefits of up to 4 times your annual fee
  • Unbeatable range of extras with per treatment payments over double other health funds
  • 100% of our operating surplus goes back to members
  • ACA Health is only for members of the Seventh-Day Adventist employee community and appointed Local Church Officers
  • Impressive 98% member satisfaction from Discovery Australia
  • Part of the Members Own Health Funds – an alliance of 18 like-minded not-for-profit funds
  • Our Unlimited Hospital Policy means that we help lessen out-of-pocket expenses
  • Medicare approved hospital items with no restrictions, limits or exclusions
  • ACA Health is large enough to make these generous payouts when you really need it, not 6 months later.

Our Promises

100% For Members

100% of operating surplus is retained each year for the payment of future member benefits.

Infinite Hospital

All ACA hospital policies will help close the gap indefinitely on all Medicare approved hospital items. No restrictions. No exclusions.

Our Values

Members First And Last

We exist only to serve members. And those members can only be invited if they’re a part of the Seventh Day Adventist employee community.

Unbeatable Extras

We provide market leading per treatment payments of up to double the big three funds on dental, orthodontic and optical. In addition, the total of all the possible extras benefits available to members would be more than four times our annual membership fee.

People Not Policies

We focus on people, not the details of a policy. We have the industry’s lowest number of complaints and have been highly awarded over many years across many categories − from Outstanding Customer Service to Best Fund In Class.

Ethics Before Profits

We’re not just financially strong, we’re ethically strong. And our principles mean more value for you with more inclusions, less fine print and more compassion.