Gold Deluxe Hospital and Flex 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
- Not covered
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against 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$348.6613th 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.
No excess
| State | Single |
|---|---|
| All states | $348.66 |
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 8 of 27 standard services
Yearly limits, against the typical policy
- General dentalshared with 6 other services$650typical policy $800
- Optical$175typical policy $220
- Physiotherapyshared with 6 other services$650typical policy $450
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)60% of the feetypical policy $35.20
- Scale and clean (item 114)60% of the feetypical policy $66.85
- Single vision lenses and frames60% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit | Example benefits (all states) |
|---|---|---|---|
| General dental | 9 months | $650shared with 6 other services | Periodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60% |
| Optical | 4 months | $175 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Physiotherapy | 2 months | $650shared with 6 other services | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Acupuncture | 2 months | $650shared with 6 other services | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Chinese herbal medicine | 2 months | $650shared with 6 other services | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dietetics | 2 months | $650shared with 6 other services | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $650shared with 6 other services | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Vaccinations | 2 months | $650shared with 6 other services | Vaccination: 60% |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, chiropractic, podiatry, psychology, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, orthoptics, health management programs, home nursing, occupational therapy, orthotics, osteopathy, speech therapy.
Other services: Also excludes Blood glucose monitors, Audiology, Ante-natal/Post-natal classes, Orthoptics, Home nursing, Occupational therapy, Orthotics, Osteopathy, 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.