ACA health insurance

Is it a good health insurer?

ACA has 5 hospital and 2 extras policies in our comparison, from $103.59 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by ACA Health Benefits Fund Limited. Hospital, extras or both.

Explore 5 hospital and 2 extras products, or find cover by treatment. Sources for ACA

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 1 April 2026

I need cover for…

Compare cover across all Australian health funds.

ACA cover: the main choices.

For rehabilitation

Silver Plus Hospital does not fully cover rehabilitation. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Compare the cover, not just the premium

Compare Silver Plus Hospital with CBHS and Teachers Health before choosing on price. Their cover differs for insulin pumps.

Compare selected alternatives

Before you pay for Silver Plus

Silver Plus Hospital adds back, neck and spine treatment and other categories compared with Bronze Essentials Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

ACA policies and example prices.

The profile you choose updates the ACA price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need an ACA price for your circumstances? Compare ACA with cover across all Australian health funds.

Compare my options

Hospital cover

5 product lines

ACA hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic HospitalBasic Hospital	$93.21/monthwith no excess	Policy details: Basic Hospital
Bronze	Bronze Essentials HospitalBronze Essentials Hospital	$103.59/month	Policy details: Bronze Essentials Hospital
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$133.45/month	Policy details: Silver Plus Hospital
Gold	Gold Deluxe HospitalGold Deluxe Hospital	$236.30/monthwith no excess	Policy details: Gold Deluxe Hospital
Gold	Gold Private HospitalGold Private Hospital	$195.25/monthwith no excess	Policy details: Gold Private Hospital

$29.86 more per month for Silver Plus Hospital versus Bronze Essentials Hospital after rebate for the selected example profile.

Back, neck and spine is an additional inclusion, not the complete list of differences.

Extras cover

2 product lines

ACA extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Ancillary LiteAncillary Lite	$39.09/month	Policy details: Ancillary Lite
Complete AncillaryComplete Ancillary	$95.27/month	Policy details: Complete Ancillary

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show ACA Silver Plus Hospital comparisons. All policy links remain available.

All ACA policy pages

What does ACA hospital insurance cover?

Choose a treatment

2 ACA hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Gold	Gold Deluxe HospitalGold Deluxe Hospital	$236.30/monthwith no excess	Check policy details: Gold Deluxe Hospital
Gold	Gold Private HospitalGold Private Hospital	$195.25/monthwith no excess	Check policy details: Gold Private Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 5 hospital policies

Selected ACA treatment categories.

Treatment	Basic HospitalBasic Plus	Bronze Essentials HospitalBronze	Silver Plus HospitalSilver Plus	Gold Deluxe HospitalGold	Gold Private HospitalGold
Cataracts	Restricted	Not included	Not included	Included	Included
Joint replacements	Restricted	Not included	Not included	Included	Included
Heart and vascular system	Restricted	Not included	Included	Included	Included
Pregnancy and birth	Restricted	Not included	Not included	Included	Included
Assisted reproductive services	Restricted	Not included	Not included	Included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Included	Included
Rehabilitation	Restricted	Restricted	Restricted	Included	Included
Insulin pumps	Restricted	Not included	Not included	Included	Included
Back, neck and spine	Restricted	Not included	Included	Included	Included
Blood	Restricted	Not included	Included	Included	Included
Dental surgery	Restricted	Not included	Included	Included	Included
Implantation of hearing devices	Restricted	Not included	Included	Included	Included
Lung and chest	Restricted	Not included	Included	Included	Included
Pain management with a device	Restricted	Not included	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Restricted	Not included	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Restricted	Not included	Included	Included	Included
Sleep studies	Restricted	Not included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

ACA extras limits per 12 months unless the statement says otherwise

Selected benefit	Ancillary Lite	Complete Ancillary
Optical / physio benefit examples	Optical: $200.00 set benefit. Physio: $37.50 set benefit for an initial visit	Optical: $400.00 set benefit. Physio: $75.00 set benefit for an initial visit
Optical limit	$200.00Shared with other services	$450.00sub-limits apply
Physiotherapy limit	$300.00Shared with chiropractic, podiatry, osteopathy & other services	$950.00Shared with chiropractic, exercise physiology, orthoptics and other services
Major dental + endodontic limit	$700.00sub-limits apply. Shared with general dental & other services	$1,700.00sub-limits apply. Shared with general dental & other services
Psychology included?	No	Yes
Optical waiting period	4 months	4 months
Source statement	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Why ACA's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 4 months.

How shared limits work

ACA vs. CBHS vs. Teachers Health

How ACA compares with similar hospital policies.

These are selected Silver Plus examples from CBHS and Teachers Health, not identical policies or a search for the cheapest cover across the market.

Comparing ACA Silver Plus Hospital with CBHS Everyday Silver Plus Hospital and Teachers Health Mid Classic (Silver Plus). Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

ACA and selected alternatives: monthly prices and verified coverage differences.

Compare	ACASilver Plus HospitalReference policy	CBHS Everyday Silver Plus Hospital$3.27 less a month than ACA	Teachers Health Mid Classic (Silver Plus)$1.66 more a month than ACA
Monthly premium after rebate	$133.45/month	$130.18/month (lowest price in this row)	$135.11/month
Rehabilitation	Restricted	Included (best cover in this row)	Included (best cover in this row)
Insulin pumps	Not included	Not included	Included (best cover in this row)
Pain management with a device	Included (best cover in this row)	Not included	Included (best cover in this row)
Palliative care	Restricted	Restricted	Included (best cover in this row)
Cataracts	Not included	Not included	Not included
Policy details	View ACA Silver Plus Hospital	View CBHS Everyday Silver Plus Hospital	View Teachers Health Mid Classic (Silver Plus)

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Rehabilitation: included with CBHS and Teachers Health; restricted with ACA.
Insulin pumps: included with Teachers Health; not included with ACA and CBHS.
Pain management with a device: included with ACA and Teachers Health; not included with CBHS.
Palliative care: included with Teachers Health; restricted with ACA and CBHS.

These alternatives match ACA Silver Plus Hospital on tier, cataracts and joint replacements. Like ACA, these funds limit membership to their eligible communities, so check that you qualify. How we choose alternatives

Compare all 38 hospital treatment categories

ACA and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	ACASilver Plus Hospital	CBHS Everyday Silver Plus Hospital	Teachers Health Mid Classic (Silver Plus)
Rehabilitation	Restricted	Included	Included
Insulin pumps	Not included	Not included	Included
Pain management with a device	Included	Not included	Included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Restricted	Restricted	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare ACA with cover from every Australian health fund.

Compare all funds

ACA against the industry.

ACA members had no gap on 91.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
ACA paid 55.9% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
ACA increased premiums by an average of 4.48% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

4.3 / 5

6 Google reviews

Voluntary customer reviews · ACA

Snapshot: 23 October 2026. This is ACA's listing, not a representative survey. This small sample may not reflect the experience of most members.

Read ACA reviews at the source

Complaint share is close to market share

Share of all complaints, 2024-250.1%

Market share, 30 June 20250.1%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

ACA's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%.

Latest quarter, January to March 2026. The Ombudsman referred no complaints about ACA Health Benefits Fund Limited to it and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that ACA recognises your provider. Ask for a treatment plan and item numbers so ACA can estimate your benefits and out-of-pocket costs.
Official website
Make or track a claim
Use ACA's health claims guidance for receipts, claim tracking and remaining benefits.
Claims guidance

Contact ACA

For customer service, call 1300 368 390.Contact details checked 6 October 2026.Official contact details and messaging options

Before you choose ACA.

Can anyone join ACA?

No, ACA membership is restricted to current and past employees of the Seventh-day Adventist Church Companies, appointed Local Church Officers and their families in Australia. Check that you qualify before comparing its cover.

Source: Official ACA information, checked 27 October 2026.

Who owns ACA?

ACA is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 6 October 2026.

What is the cheapest ACA hospital policy?

Bronze Essentials Hospital is the cheapest ACA hospital policy for a single person in NSW with a $500 hospital excess, at $103.59 a month after the 24.118% government rebate for adults under 65 (prices effective 1 April 2026). This compares all 5 ACA hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Essentials Hospital to Silver Plus Hospital?

ACA Silver Plus Hospital adds cover for pain management with a device, heart and vascular system and 8 more categories compared with Bronze Essentials Hospital. For the Single / NSW / $500 excess example it costs $29.86 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for ACA.

Policy information retrieved 26 October 2026. Prices effective 1 April 2026.

Private Health Information Statements · ACA · checked 26 October 2026
State of the Health Funds Report 2024-25 · ACA · checked 26 October 2026
Government insurer profile · ACA · checked 6 October 2026
Government premium-increase figures · ACA · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · ACA · checked 23 October 2026
Official contact details · ACA · checked 6 October 2026
Official ACA information · ACA · checked 27 October 2026

How we compare health insurers

Compare ACA policies Sources for ACA Back to top

All policies by cover type

Hospital (11)

Extras (2)

Hospital and extras (50)

Show 38 more

Browse all 63 policies →

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