Hospital Only Cover:
![Gold Private Hospital](https://acahealth.com.au/wp-content/uploads/2022/02/ACA-Health-Products-Facebook-Post2.jpg)
At this level of cover you receive the same level of protection and benefits as Gold 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.
![Basic Hospital](https://acahealth.com.au/wp-content/uploads/2022/02/ACA-Health-Products-Facebook-Post4.jpg)
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.
![Bronze Essentials Hospital](https://acahealth.com.au/wp-content/uploads/2022/02/ACA-Health-Products-Facebook-Post3.jpg)
With this level of cover there is an excess of either $500 or $750 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).
Combine our Products
You can also combine one of our hospital covers with an extras cover or choose any product on its own to suit your life stage health needs.
With our premium Gold Deluxe Hospital and Complete Extras package you receive one of the most comprehensive hospital and extras insurance packages available in the industry.
Please Note:
- All new and upgraded hospital policies, waiting periods apply.
- Hospital cover only applies to services received as an in-patient and does not apply to out-patient services (e.g. GP or Specialist consults, MRI’s or Ultrasounds)
- Hospital cover only applies when a service is recognised by Medicare
- Out-of-pocket for Medical Specialists and Doctor’s fees can apply to any level of Hospital cover.
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.
Types of Cover
![](https://acahealth.com.au/wp-content/uploads/2022/02/pexels-andrea-piacquadio-774095-1024x683.jpg)
Single
Solely for the person named on the membership application.
![Single Parent](https://acahealth.com.au/wp-content/uploads/2022/02/pexels-katie-e-3662911-2-1-1024x674.jpg)
Single Parent
For the person named on the membership application and their dependents.
![Single Parent + Extension](https://acahealth.com.au/wp-content/uploads/2022/02/pexels-elina-fairytale-3893723-1-Copy-1024x678.jpg)
Single Parent + Dependant Extension
Single Parents can keep their unmarried children between the ages of 21 to 31 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 Gold Deluxe Hospital & Complete Ancillary
- Family Gold Deluxe Hospital & Ancillary Lite
- Family Gold Private Hospital & Complete Ancillary
- Family Gold Private Hospital & Ancillary Lite
![Family Cover](https://acahealth.com.au/wp-content/uploads/2022/02/pexels-elina-fairytale-3807571-1-1024x683.jpg)
Family/Couples
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 31 if they are an unmarried full-time student and earning less than $20,000 per year.
![](https://acahealth.com.au/wp-content/uploads/2022/02/brooke-cagle-uHVRvDr7pg-unsplash-1024x683.jpg)
Family + Dependant Extension
Parents can keep their unmarried children between the ages of 21 to 31 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 Gold Deluxe Hospital & Complete Ancillary
- Family Gold Deluxe Hospital & Ancillary Lite
- Family Gold Private Hospital & Complete Ancillary
- Family Gold Private Hospital & Ancillary Lite
How to Change Your Cover:
Changing your type of cover or level of membership is easy.
You can:
- Login to your membership via Online Member Services and change your cover; OR
- Download the Member Details Change Form, indicating the changes you wish to make, and return it to us by:
- Post: Locked Bag 2014, Wahroonga NSW 2076
- Email: info@acahealth.com.au
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.