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Compare ACA Health health insurance

How ACA Health rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is ACA Health?

ACA Health is a nonprofit health fund 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 Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 368 390


Does ACA Health get many complaints from members?

ACA Health has a Low complaints rating.

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

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

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.

Does ACA Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Youth discounts: None.

Does ACA Health offer ambulance cover?

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

Does ACA Health offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 21.
  • Full-time students are covered on family policies for free until they turn 25.
  • Adult children younger than 31 can be covered on extended family policies for an extra cost. 

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

You can claim online or via an app.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.