Ancillary Lite
An extras policy from ACA Health.
- ACA Health only takes seventh-day Adventist Church employees, Local Church Officers and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement ACA Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
ACA Health's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 11 services for $51.52 a month. Of the 396 other policies, 77 cost less and 300 cover more services.
Pays towards 11 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$700typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$700typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, podiatry, osteopathy$300typical policy $450
- Chiropracticshared with physiotherapy, podiatry, osteopathy$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$100.00typical policy $35.20
- Scale and clean (item 114)$100.00typical policy $66.85
- Full crown, veneered (item 615)$400.00typical policy $773.80
- Single vision lenses and frames$200.00typical policy $220.00
- Physiotherapy, first visit$37.50typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 9 months | $700shared with major dental, endodontic (root canals) | Periodic oral exam (item 012): $100.00Scale and clean (item 114): $100.00Fluoride treatment (item 121): $100.00 |
| Major dental | 9 months | $700shared with general dental, endodontic (root canals) | Surgical extraction (item 322): $168.00Full crown, veneered (item 615): $400.00 |
| Endodontic (root canals) | 9 months | $700shared with general dental, major dental | Root canal filling (item 417): $400.00 |
| Optical | 4 months | $200 | Multifocal lenses and frames: $200.00Single vision lenses and frames: $200.00 |
| Non-PBS medicines | 2 months | $250 | Non-PBS prescription: $50.00 |
| Physiotherapy | 2 months | $300shared with chiropractic, podiatry, osteopathy | Physiotherapy, first visit: $37.50Physiotherapy, later visit: $26.50 |
| Chiropractic | 2 months | $300shared with physiotherapy, podiatry, osteopathy | Chiropractic, first visit: $25.00Chiropractic, later visit: $25.00 |
| Podiatry | 2 months | $300shared with physiotherapy, chiropractic, osteopathy | Podiatry, first visit: $25.00Podiatry, later visit: $25.00 |
| Acupuncture | 2 months | $100shared with remedial massage | Acupuncture, first visit: $20.00Acupuncture, later visit: $20.00 |
| Remedial massage | 2 months | $100shared with acupuncture | Remedial massage, first visit: $20.00Remedial massage, later visit: $20.00 |
| Osteopathy | 2 months | $300shared with physiotherapy, chiropractic, podiatry | Osteopathy, first visit: $25.00Osteopathy, later visit: $25.00 |
Not covered: orthodontics, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.