2 Weeks Free and up to $200 Off with select Combined Hospital & Extras Cover. T&Cs apply.

Private health insurance exclusive to the Adventist Community

2 Weeks Free and up to $200 Off with select Combined Hospital & Extras Cover. 

T&Cs apply. Valid to 30/06/2024.

Not for profit
Value for money
Unbeatable extras
Ethics before profits
Not for profit
Value for money
Unbeatable extras
Ethics before profits
 
4.3 out of 5 on Google

2 Weeks Free and up to $200 Off with select Combined Hospital & Extras Cover. T&Cs apply. Valid to 30/06/2024.

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.

Gold Duluxe Hospital

Most comprehensive

  • No excess
  • No exclusions
  • No co-payments
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Gold Duluxe Hospital

Most comprehensive

  • No excess
  • No exclusions
  • No co-payments
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Popular

Gold Private Hospital

Lower cost with co-payment

  • No excess
  • No exclusions
  • Co-payments: $100 p/day
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Gold Private Hospital

Lower cost with co-payment

  • No excess
  • No exclusions
  • Co-payments: $100 p/day
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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)
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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)
View product

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
View product

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
View product

Basic Hospital

For public hospitals

  • Choose your own doctor and hospital
  • For treatment in a public hospital
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Basic Hospital

For public hospitals

  • Choose your own doctor and hospital
  • For treatment in a public hospital
View product
Extra

Complete Ancillary

Range of services included

  • Higher benefits than other funds
  • Covers a wide range of services
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Complete Ancillary

Range of services included

  • Higher benefits than other funds
  • Covers a wide range of services
View product
Extra

Ancillary Lite

Benefits for essentials

  • Perfect for the budget-conscious
  • Covers the essentials you told us you wanted
View product

Ancillary Lite

Benefits for essentials

  • Perfect for the budget-conscious
  • Covers the essentials you told us you wanted
View product

Compare policies

Switch to ACA Health

Compare your current policy to ACA Health and make the switch today.

  1. Choose the cover that best suits your needs
  2. Apply online or give us a call on 1300 368 390
  3. 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.

We’ve partnered with Adventist Education

Download the Adventist Primary School Health Resources below:

Live More Happy
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Unplug to Recharge
Download
Health resource competition
Watch video
Reducing Screen Time
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