Gold Deluxe Hospital and Complete Ancillary
A Gold hospital and 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
- Exempts you
- Excess options
- None
- 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 Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$436.9540th cheapest of 84
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
No excess on any version of this policy.
From the insurer: Also covers Pharmacy Prescriptions associated with your admitted medical condition for use in hospital only. For NSW & ACT residents only, Hospital cover includes ambulance cover for emergency (unlimited with no waiting period) and call-out fees (paid for each attendance, including emergency treatment without transport to hospital) in that state or territory only.
Pays towards 26 of 27 standard services
Yearly limits, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$1,700typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$1,700typical policy $1,000
- Optical$450typical policy $220
- Physiotherapyshared with 6 other services$950typical policy $450
- Chiropracticshared with 6 other services$950typical policy $400
- Psychology$500typical 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)$1,000.00typical policy $773.80
- Single vision lenses and frames$400.00typical policy $220.00
- Physiotherapy, first visit$75.00typical policy $42.00
- Psychology, first visit$110.00typical policy $75.00
| Service | Waiting period | Yearly limit | Example benefits (all states) |
|---|---|---|---|
| General dental | 9 months | $1,700shared 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 | $1,700shared with general dental, endodontic (root canals) | Surgical extraction (item 322): $270.00Full crown, veneered (item 615): $1,000.00 |
| Endodontic (root canals) | 9 months | $1,700shared with general dental, major dental | Root canal filling (item 417): $1,200.00 |
| Orthodontics | 9 months | $1,700, $3,600 lifetime | Braces, upper and lower, with retainer (item 881): $3,600.00 |
| Optical | 4 months | $450 | Multifocal lenses and frames: $400.00Single vision lenses and frames: $400.00 |
| Non-PBS medicines | 2 months | $800shared with vaccinations | Non-PBS prescription: $100.00 |
| Physiotherapy | 2 months | $950shared with 6 other services | Physiotherapy, first visit: $75.00Physiotherapy, later visit: $55.00 |
| Chiropractic | 2 months | $950shared with 6 other services | Chiropractic, first visit: $56.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $400 | Podiatry, first visit: 80%Podiatry, later visit: 80% |
| Psychology | 2 months | $500 | Psychology, first visit: $110.00Psychology, later visit: $80.00 |
| Acupuncture | 2 months | $500shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: $45.00Acupuncture, later visit: $45.00 |
| Remedial massage | 2 months | $500shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: $45.00Remedial massage, later visit: $45.00 |
| Hearing aids | 12 months | $1,500, 1 every 3 years | Hearing aid: $1,500.00 |
| Blood glucose monitors | 12 months | $150, 1 every year | Blood glucose monitor: $150.00 |
| Audiology | 2 months | No annual limit | Audiology, first visit: 50%Audiology, later visit: 50% |
| Antenatal and postnatal | 2 months | $500 | Antenatal and postnatal, first visit: 80% |
| Chinese herbal medicine | 2 months | $500shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: $45.00Chinese herbal medicine, later visit: $45.00 |
| Dietetics | 2 months | $300 | Dietetics, first visit: 80%Dietetics, later visit: 80% |
| Exercise physiology | 2 months | $950shared with 6 other services | Exercise physiology, first visit: $22.50Exercise physiology, later visit: $22.50 |
| Orthoptics | 2 months | $950shared with 6 other services | Orthoptics, first visit: 80% |
| Home nursing | 2 months | $1,200, $100 a visit | Home nursing, first visit: $1,200.00 |
| Occupational therapy | 2 months | $950shared with 6 other services | Occupational therapy, first visit: $80.00Occupational therapy, later visit: $65.00 |
| Orthotics | 12 months | $400 | Orthotics: $400.00 |
| Osteopathy | 2 months | $950shared with 6 other services | Osteopathy, first visit: $45.00Osteopathy, later visit: $32.00 |
| Speech therapy | 2 months | $950shared with 6 other services | Speech therapy, first visit: $50.00Speech therapy, later visit: $40.00 |
| Vaccinations | 2 months | $800shared with non-pbs medicines | Vaccination: $100.00 |
Not covered: health management programs.
Other services: Natural Therapies: Naturopathy, Western Herbal Medicine, Shiatsu
From the insurer: Product also covers Osteopathy, Speech Therapy, Occupational Therapy, Homeopathy, Antenatal Classes, Cardiac Rehabilitation, Confinement by Midwife, Diabetes Education, Dietetics, Home Nursing, Orthopaedic Shoes, Vitamins, Naturopathy, Western Herbal Medicine, Shiatsu, and more.
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.