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PostalGold Deluxe Hospital
Most comprehensive
- No excess
- No exclusions
- No co-payments
Skip 2, 4 & 9 month waiting periods when you sign up with any Combined Hospital & Extras Cover*
Private health insurance for the Adventist Community
Skip 2, 4 & 9 month waiting periods when you sign up with any Combined Hospital & Extras Cover* T&Cs apply
Good news – we have reached an in-principle agreement with Healthscope. Read More
Not for profit
Value for money
Unbeatable extras
Ethics before profits
Not for profit
Value for money
Unbeatable extras
Ethics before profits
WHY ACA HEALTH
We support our members with valued private health insurance
Experience the freedom to live a life of purpose and vitality knowing your health needs are taken care of.
Infinite hospital cover
All hospital policies will help close the gap indefinitely on all Medicare approved hospital items. No restrictions. No exclusions.
Unbeatable extras
We pay up to 80% in benefits on a majority of our products, including dental, optical, physiotherapy and chiropractic.
Great benefits
Benefit from generous payouts, an unbeatable range of extras, your choice of provider, value for money, faster claim options and more.
Joining us
Become a member today
We support the workers of God and exist solely to benefit the health and well-being of current and past employees of the Seventh-day Adventists Church Companies, appointed Local Church Officers and their families in Australia. Find out if you’re eligible and join us today to become a member of ACA Health.
A product as unique as you
Whether you’re looking for full health cover, an unbeatable extra or a bit of both, we have you covered at ACA Health.
Popular
Gold Private Hospital
Lower cost with co-payment
- No excess
- No exclusions
- Co-payments: $100 p/day
Gold Private Hospital
Lower cost with co-payment
- No excess
- No exclusions
- Co-payments: $100 p/day
Silver Plus Hospital
The next best thing to Gold
- Excess: either $500 or $750 p/person which also applies to dependants
- 100% cover for public hospitals (shared room)
Silver Plus Hospital
The next best thing to Gold
- Excess: either $500 or $750 p/person which also applies to dependants
- 100% cover for public hospitals (shared room)
Bronze Essentials
Essential cover for the basics
- Excess: either $500 or $750 p/person which does not apply to child dependants
- Benefits payable for included services in a public hospital
Bronze Essentials
Essential cover for the basics
- Excess: either $500 or $750 p/person which does not apply to child dependants
- Benefits payable for included services in a public hospital
Basic Hospital
For public hospitals
- Choose your own doctor and hospital
- For treatment in a public hospital
Basic Hospital
For public hospitals
- Choose your own doctor and hospital
- For treatment in a public hospital
Extra
Complete Ancillary
Range of services included
- Higher benefits than other funds
- Covers a wide range of services
Complete Ancillary
Range of services included
- Higher benefits than other funds
- Covers a wide range of services
Extra
Ancillary Lite
Benefits for essentials
- Perfect for the budget-conscious
- Covers the essentials you told us you wanted
Ancillary Lite
Benefits for essentials
- Perfect for the budget-conscious
- Covers the essentials you told us you wanted
Compare policies
Switch to ACA Health
Compare your current policy to ACA Health and make the switch today.
- Choose the cover that best suits your needs
- Apply online or give us a call on 1300 368 390
- Let us do the rest
Already served a waiting period? It switches with you, so you’ll have continuous cover.
Frequently asked questions
Everything you need to know about ACA Health
What is Lifetime Health Cover and how does it affect me?
Lifetime Health Cover is a Government initiative that rewards those who take out and maintain hospital cover at a younger age with lower premiums throughout their life (compared to someone who joins later in life).
To lock in the lowest premiums for life under Lifetime Health Cover, a person needs to take out hospital cover with a registered fund before the first July 1 following their 31st birthday. After 31, the younger you join, the lower your premiums will be.
Under Lifetime Health Cover, health funds are required to charge people who were not members of a hospital cover prior to 1 July 2000, 2% extra on top of the normal premiums for every year they are aged over 30 when they first take out hospital cover.
For more information on Lifetime Health Cover, please refer to the Private Health website or contact us.
What is the Medicare Levy Surcharge?
The Medicare Levy Surcharge (MLS) encourages high income earners to take out private hospital cover, and where possible, to use the private system to reduce the demand on the public system.
Where high-income earners do not take out private health insurance, they are charged an additional 1% on their taxable income on top of the usual 1.5% Medicare Levy.
For more information, click here.
Can’t find the question you’re looking for?
Search for your question in our FAQs.
ACA Health Benefits Fund a proud member of
Members Health Fund Alliance
As a Not-For-Profit Members Own health fund 100% of our operating surplus goes back to members.
