Compare ACA health insurance


A restricted membership health fund for Seventh-day Adventist Church employees and their families.

Fund information


ACA Health summary

ACA Health eligibility

Is ACA Health nonprofit? 

Does ACA Health get many complaints from members? 

How good is ACA Health's gap cover? 

How many hospital agreements does ACA Health have in my state? 

Does ACA Health offer any discounts?

Does ACA Health offer ambulance cover?

Does ACA Health offer family policies that cover adult children?

Does ACA Health let you claim online or in-app?

What CHOICE Community says about ACA Health

ACA Health summary

ACA Health

Membership with ACA Health is open to present and past employees of incorporated companies affiliated with the Seventh-day Adventist Church in Australia including Sanitarium Health and Wellbeing Company, Sydney Adventist Hospital, Signs Publishing Company, Adventist Development & Relief Agency, Adventist Schools, Adventist Retirement Villages and eligible family members. ACA Health is part of Members Own Health Funds, an alliance of nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phone: 1300 368 390

Email: info@acahealth.com.au 

Website: acahealth.com.au

ACA Health eligibility

Current or former Seventh-day Adventist Church employees (including SDA-affiliated companies such as Sanitarium).

For further details see their website.

Is ACA Health nonprofit?

Yes.

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Does ACA Health get many complaints from members?

ACA Health complaints rating: Low

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is ACA Health's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that ACA Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

ACA Health's gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Above average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Above average

Tasmania (Tas)

Average

Northern Territory (NT)

No rating

Percentage of medical services covered with no gap

New South Wales (NSW)

ACA benefits fund – 90.8%

Industry average – 86.3%

Australian Capital Territory (ACT) 

ACA benefits fund – 83.3%

Industry average – 76.7%

Victoria (Vic) 

ACA benefits fund – 93.6%

Industry average – 85.0%

Queensland (Qld) 

ACA benefits fund – 93.4%

Industry average – 85.1%

South Australia (SA) 

ACA benefits fund – 96.4%

Industry average – 86.8%

Western Australia (WA) 

ACA benefits fund – 91.0%

Industry average – 90.1%

Tasmania (Tas) 

ACA benefits fund – 93.7%

Industry average – 83.0%

How many hospital agreements does ACA Health have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements ACA Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

ACA Health has

ACT

5 private hospital agreements out of an industry maximum of 7

4 day hospital agreements out of an industry maximum of 8

NSW

79 private hospital agreements out of an industry maximum of 100

66 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

0 day hospital agreements out of an industry maximum of 2

Qld

46 private hospital agreements out of an industry maximum of 58

36 day hospital agreements out of an industry maximum of 53

SA

27 private hospital agreements out of an industry maximum of 27

21 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

2 day hospital agreements out of an industry maximum of 6

Vic

73 private hospital agreements out of an industry maximum of 79

50 day hospital agreements out of an industry maximum of 79

WA

16 private hospital agreements out of an industry maximum of 23

11 day hospital agreements out of an industry maximum of 29

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Does ACA Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Does ACA Health offer ambulance cover?

All ACA Health hospital and combined policies cover emergency ambulance in NSW and ACT.

In Victoria, South Australia, Western Australia and the Northern Territory, cover is included in extras policies, so you're covered if you select an extras or combined policy.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does ACA Health offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study, not living with a partner and earning less than $20,000 a year.


Does ACA Health let you claim online or in-app?

Can claim online or via an app.

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What CHOICE Community says about ACA Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about ACA Health to share your experiences or gain more insights into this health fund.