Which option best describes you?

Details about your current employment

Details about your past employment

Details about your past membership

Details about your local position

Details about your relative/eligible person

Details about your desired cover

When would you like to start your membership?

Great! We just need a few more details about you

Details of family members covered under your policy

Additional member 1
Additional member 2

Where should we credit your benefits?

How would you like to make payments?

If you're part of another health fund, we can switch you over

Declaration and rebate application

You can download the form here and upload it in this page.

Alternatively, you can fill the online form below.

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 humanservices.gov.au

Application to receive the Australian Government Rebate on Private Health Insurance as a reduced premium form

Important Information

Complete this form and lodge it with your Health Fund to receive the Australian Government Rebate on Private Health Insurance as a reduced premium.

All the people listed on the policy must be eligible to claim Medicare for you to receive the rebate as a reduced premium.

Policy holders must nominate the level of rebate they believe they are entitled to.

Rebates 2024 *Income thresholds increase by $1500 for every child after the first.

If a policy holder claims a rebate level above their actual entitlement a recovery of monies will occur through the Australian Taxation Office (ATO) as a tax debt.

If a policy holder claims a rebate level below their actual entitlement a refund will occur through the ATO as a tax credit.

If at any stage you wish to stop receiving or wish to nominate a new income tier for the Australian Government Rebate on Private Health Insurance as a reduced premium, you must notify your Health Fund as soon as possible.


For more information about the Australian Government Rebate on Private Health Insurance, go to privatehealth.gov.au

Questions about Medicare eligibility can be made at any Human Services' Service Centre or by calling 132 011.

Note: Call charges apply – calls from mobile phones may be charged at a higher rate.

Claimant's details

ACA Health

Your full name as it appears on your Medicare Card

Details of People Covered by Policy

Note: Provide details of all people covered by the policy (do not include yourself).

Additional person 1

All people listed on the policy must be eligible to claim Medicare for you to receive the rebate as a reduced premium.

If you are unsure whether you are eligible for Medicare, go to for more information.

Applicants not covered by the policy cannot claim the Australian Government Rebate on Private Health Insurance (excluding child only policies) and employers and trustees of organisations cannot claim the Australian Government Rebate on Private Health Insurance on policies paid on behalf of employees.


More information

Joining date

If you are transferring from another Australian private health fund within a period of two months from the date to which contributions were paid to, the benefits you will be entitled to with ACA Health will be the same as your previous cover up to the maximum of the ACA Health policy you have purchased. There must be financial continuity between covers to avoid waiting periods. This means that the start date of your ACA Health cover must be the day immediately following the date you were paid to at your previous fund.

What is the Australian Government rebate and what does it mean for me?

The Federal Government provides a rebate on health insurance to all Australians eligible for Medicare who are members of a registered health fund, in recognition of the contribution that those with private health insurance are making to their own health care costs.

This rebate is now age and income tested. This rebate is available on all ACA Health hospital and extras products.

Please visit the Private Health Website to check if a rebate applies to your age and income level.

As a member of ACA Health Benefits Fund you can choose the rebate claiming method that best suits you.

You can receive the rebate as either:

  • A premium reduction through ACA Health; or
  • A refundable tax rebate in your annual tax return
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.

How soon will I get cover? What’s the waiting period?

On joining health insurance for the first time, waiting periods must be served before benefits will be paid on all hospital and general treatment covers with ACA Health. The exception to this is where you have an accident, not related to pre-existing condition, and you require hospital and/or ambulance treatment.

If you transfer from another fund within 60 days of terminating your old cover, then normal waiting periods are waived and our benefits up to the level of your previous cover may be paid immediately, subject to financial continuity.

Waiting periods

Accident requiring hospitalisationNo waiting
Ambulance4 months
Dental9 months
Obstetrics12 months
Hearing aids and health appliances12 months
Treatment relating to pre-existing condition12 months
All other services (inc psych, palliative and rehab)2 months

The Mental Health waiting period exemption for higher benefit is available to each insured person on a hospital policy one in their lifetime and will apply from the beginning of a current admission if the election (fund was notified) was made within 5 days of admission, if not from the date of the election (fund notification received) where;

  • The 2 month psychiatric/rehabilitation period has been served
  • It is for psychiatric or drug and alcohol related treatment