Choosing your cover

ACA Health is able to give you the choice of cover you need without the confusion of too many options.

You can choose from 4 Hospital covers:

And 2 Extras covers:

  • Extras Lite − good extras product at a reasonable price
  • Complete Extras – comprehensive coverage with generous benefits on a wide range of services

You can also combine one of our hospital covers with an extras cover or choose any product on its own depending on your age, health needs and financial situation.

With our premium Deluxe Hospital and Complete Extras package you receive one of the most comprehensive hospital and extras insurance packages available in the industry.

Please note that for all new and upgraded hospital policies, waiting periods apply.

If you would like to find out what cover might be most suitable for you, try our quick quote finder or give us a call on 1300 368 390.

Unbeatable extras & provider choice

We provide extras that pay up to twice as much as the big three health funds on things that really matter, like market leading per treatment payouts for optical, dental and orthodontic.

And we won’t dictate to you which health provider you need to see and the type of treatment you receive – it’s all about choices, value for money, service and peace of mind.

Membership level


This level provides cover solely for the person named on the membership application.


This level provides cover for the member, as well as the member’s nominated partner and/or dependents.

Children are considered dependent until the age of 21, or 25 if they are an unmarried full-time student and earning less than $20,000 per year.

Family − Dependant Extension

Parents can keep their unmarried children between the ages of 21 to 25 covered under their membership, even if the children are no longer studying full-time.

The Dependant Extension adds a 30% loading to the cost of the membership premium and is only available on the following cover types:

  • Family Deluxe Hospital & Complete Extras
  • Family Deluxe Hospital & Extras Lite
  • Family Private Hospital & Complete Extras
  • Family Private Hospital & Extras Lite.

How to change your cover

Changing your type of cover or level of membership is easy.

You can:

You can also contact us on 1300 368 390 to discuss changing your cover or level of membership.

Please refer to Not So Fine Print for information on waiting periods and cover limitations.

Hospital Cover

Basic Hospital

At this level of cover you can choose your own doctor and have shared room accommodation in a public hospital. Basic Hospital cover is designed for treatment in a public hospital and therefore is not recommended for treatment in a private hospital but you must be prepared for some significant out-of-pocket expenses.

Full Details

Bare Essentials Hospital

With this level of cover there is an excess of $500.00 per adult person per calendar year which does not apply to child dependants.There is no benefit payable for the excluded services – obstetrics, joint replacements and cardiac treatments (Excluded Services). Public Hospital benefits for a shared room only are payable as a private patient in a public hospital only for Psychiatric and rehabilitation services (Restricted Services).

Full Details

Private Hospital

At this level of cover you receive the same level of protection and benefits as Deluxe Hospital cover, however a co-payment of $100 per day applies if you actually go into hospital. It is recommended for those who are prepared to pay some of their accommodation charges and theatre fees in return for a lower contribution rate.

Full Details

Deluxe Hospital

With no excess, no co-payments, and no exclusions, our Deluxe Hospital gives you the most comprehensive cover available in health insurance at a very competitive price.

Full Details

Extras Cover

Extras Lite

For those who are budget conscious, Extras Lite keeps the range of benefits to the essentials you told us you wanted. It is a great place to start for those younger people looking to join health cover for the first time or for those who don’t need the complete package of health services.

Full Details

Complete Extras

Our Complete Extras is an excellent product, often offering higher benefits than comparable products at many other funds. It offers generous benefits on a large number and wide range of services.

Full Details