ACA Health
27 open policies in the October 2026 data. Membership is restricted.
Registered as ACA Health Benefits Fund.
Who can join, as the fund puts it: Seventh-day Adventist Church employees, Local Church Officers and their families.
This insurer is a mutual organisation that operates on a not-for-profit basis.
acahealth.com.au, phone 1300 368 390
- Hospital
- 5
- Hospital and extras
- 20
- Extras
- 2
- Closed to new members
- 0
How its premiums compare in NSW & ACT
ACA Health's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BasicHospital only$122.8321st cheapest of 27
- BronzeHospital only$127.429th cheapest of 29
- SilverHospital only$164.2512th cheapest of 28
- GoldHospital only$257.318th cheapest of 24
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Hospital, at $122.83 a month before the rebate with no excess: 21st cheapest of 27 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Essentials Hospital, at $127.42 a month before the rebate with a $750 excess: 9th cheapest of 29 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Hospital, at $164.25 a month before the rebate with a $750 excess: 12th cheapest of 28 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Gold Private Hospital, at $257.31 a month before the rebate with no excess: 8th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$122.83 to $311.40
- VIC$122.83 to $311.40
- QLD$122.83 to $311.40
- SA$122.83 to $311.40
- WA$122.83 to $311.40
- TAS$122.83 to $311.40
- NT$122.83 to $311.40
- NSW & ACT$160.09 to $436.95
- VIC$160.09 to $436.95
- QLD$160.09 to $436.95
- SA$160.09 to $436.95
- WA$160.09 to $436.95
- TAS$160.09 to $436.95
- NT$160.09 to $436.95
- NSW & ACT$51.52 to $125.55
- VIC$51.52 to $125.55
- QLD$51.52 to $125.55
- SA$51.52 to $125.55
- WA$51.52 to $125.55
- TAS$51.52 to $125.55
- NT$51.52 to $125.55
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| VIC | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| QLD | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| SA | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| WA | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| TAS | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
| NT | $122.83 to $311.40 | $160.09 to $436.95 | $51.52 to $125.55 |
What ACA Health covers, and what it pays back
Hospital
Its 25 hospital policies come with no excess or one of $500 or $750. ACA Health doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. For ambulance, 15 cover emergency ambulance trips only and ten leave ambulance out.
Extras
ACA Health has 22 policies with extras, covering anywhere from 8 to 26 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $100.00typical policy $35.20
- $100.00typical policy $66.85
- $1,000.00typical policy $773.80
- $400.00typical policy $220.00
- $75.00typical policy $42.00
- $110.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,700typical policy $800
- Major dental$1,700typical policy $1,000
- Optical$450typical policy $220
- Physiotherapy$950typical policy $450
- Chiropractic$950typical policy $400
- Psychology$500typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Hospital | Basic Plus | $122.83All states | All | $0 |
| Bronze Essentials Hospital | Bronze | $127.42NSW & ACT | All | $500, $750 |
| Silver Plus Hospital | Silver Plus | $164.25All states | All | $500, $750 |
| Gold Private Hospital | Gold | $257.31All states | All | $0 |
| Gold Deluxe Hospital | Gold | $311.40All states | All | $0 |
Hospital and extras policies 20
Extras policies 2
| Policy | From | Sold in | Services |
|---|---|---|---|
| Ancillary Lite | $51.52All states | All | 11 |
| Complete Ancillary | $125.55All states | All | 26 |
ACA Health has no policies closed to new members in this extract. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about ACA Health
- Who can join ACA Health?
- It's a restricted fund. Who can join, as ACA Health puts it: Seventh-day Adventist Church employees, Local Church Officers and their families. ACA Health sells 27 policies to new members (5 hospital-only, 20 combined and 2 extras-only), going by the October 2026 data.
- How much does ACA Health pay for a dental check-up?
- Up to $100.00 for a check-up (dental item 012) on its Ancillary Lite policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.