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Thanks for applying to join ACA Health. Before you begin this process, please make sure you have these documents handy:
"Dependant" means and includes: (a) A Policy Holder’s spouse or de facto partner; (b) A Policy Holder’s children under twenty-one (21) years of age who do not have a spouse or de facto partner; (c) "Student Dependants" - A child of the Policy Holder who; (i) does not have a spouse or de facto partner; (ii) is a full-time student at a school, college or university; (iii) is twenty-one (21) years or over and under the age of twenty-five (25) years; (iv) is not earning more than $20,000 gross per annum; and (v) has been accepted by the Fund as a "student dependant." (A statement in respect of Student Dependants must be provided each year by the Policy Holder). (d) “Dependent Child Non-Student” - A child of the Policy Holder who; (i) does not have a spouse or de facto partner; (ii) is twenty-one (21) years or over and under the age of twenty-five (25) years; and (iii) is not receiving full‑time education at a school, college or university. A Dependent Child Non-Student may only be covered as a dependant on an “extended family policy”. (e) Such other persons approved by the Board of Directors as being dependants.
Families and individuals who pay private health insurance premiums may be eligible for Australian Government rebates.
Your costs may be reduced if you have a health insurance policy with an Australian registered health insurer that provides the following cover: Hospital General and extras, or Both
The rebate reduces the amount you pay for private health insurance. The rebate amount you get is based on the age of the oldest person covered by the policy and by annual earnings.
You must be covered by the policy and be eligible for Medicare to receive the rebate. For more information, you can go to https://www.humanservices.gov.au
Please click here to download and complete the Medicare Rebate form and upload below.
Lifetime Health Cover and Loadings
Persons taking hospital policies pay 2% more for each year they are over 30 years old, to a maximum of 70% and for a maximum of 10 years. Ancillary only policies are not affected.
Persons born on or before 1 July, 1934 will not have to pay more. All existing members as at 1/7/2000 were credited with a certified age of 30 and will attract the base rate premium for as long as they maintain their hospital policy.
Please refer to the Department of Health website www.health.gov.au for full details of minimum period of membership, periods of absence, periods of suspension, special provisions for refugees and Australians overseas and LHC loading removal.
You may be subject to LHC Loading which will alter your policy’s cost