ACA Health
Registered as ACA Health Benefits Fund · fund code ACA · Restricted membership: Seventh-day Adventist Church employees, Local Church Officers and their families.
Health insurance
ACA Health sells 339 open policies with hospital cover (76 hospital-only, 263 combined with extras, counting one per state and household type) in all states, grouped below into 103 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gold Deluxe Hospital | Gold | Hospital | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $311.40 – $622.80 | ||
| Gold Private Hospital | Gold | Hospital | — | Unlimited | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $257.31 – $514.62 | ||
| Gold Deluxe Hospital and Ancillary Lite | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $362.92 – $725.84 | ||
| Gold Deluxe Hospital and Ancillary Lite - Extension | Gold | Combined | — | None | 38 | 0 | All states | FPFamily, Single parent | $710.27 – $943.59 | ||
| Gold Deluxe Hospital and Complete Ancillary | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $436.95 – $873.90 | ||
| Gold Deluxe Hospital and Complete Ancillary - Extension | Gold | Combined | — | None | 38 | 0 | All states | FPFamily, Single parent | $858.33 – $1,136.07 | ||
| Gold Deluxe Hospital and Flex Ancillary | Gold | Combined | — | None | 38 | 0 | All states | SSingle | $348.66 | ||
| Gold Deluxe Hospital and Mid Ancillary | Gold | Combined | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $396.27 – $792.54 | ||
| Gold Private Hospital and Ancillary Lite | Gold | Combined | — | Unlimited | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $308.83 – $617.66 | ||
| Gold Private Hospital and Ancillary Lite - Extension | Gold | Combined | — | Unlimited | 38 | 0 | All states | FPFamily, Single parent | $604.79 – $802.96 | ||
| Gold Private Hospital and Complete Ancillary | Gold | Combined | — | Unlimited | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $382.86 – $765.72 | ||
| Gold Private Hospital and Complete Ancillary - Extension | Gold | Combined | — | Unlimited | 38 | 0 | All states | FPFamily, Single parent | $752.85 – $995.44 | ||
| Gold Private Hospital and Flex Ancillary | Gold | Combined | — | Unlimited | 38 | 0 | All states | SSingle | $294.57 | ||
| Gold Private Hospital and Mid Ancillary | Gold | Combined | — | Unlimited | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $342.18 – $684.36 | ||
| Silver Plus Hospital 500 | Silver Plus | Hospital | $500 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $175.86 – $351.72 | ||
| Silver Plus Hospital 750 | Silver Plus | Hospital | $750 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $164.25 – $328.50 | ||
| Silver Plus Hospital 500 and Ancillary Lite | Silver Plus | Combined | $500 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $227.38 – $454.76 | ||
| Silver Plus Hospital 500 and Ancillary Lite - Extension | Silver Plus | Combined | $500 | None | 28 | 3 | All states | FPFamily, Single parent | $445.97 – $591.19 | ||
| Silver Plus Hospital 500 and Complete Ancillary | Silver Plus | Combined | $500 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $301.41 – $602.82 | ||
| Silver Plus Hospital 500 and Complete Ancillary - Extension | Silver Plus | Combined | $500 | None | 28 | 3 | All states | FPFamily, Single parent | $594.03 – $783.67 | ||
| Silver Plus Hospital 500 and Flex Ancillary | Silver Plus | Combined | $500 | None | 28 | 3 | All states | SSingle | $213.12 | ||
| Silver Plus Hospital 500 and Mid Ancillary | Silver Plus | Combined | $500 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $260.73 – $521.46 | ||
| Silver Plus Hospital 750 and Ancillary Lite | Silver Plus | Combined | $750 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $215.77 – $431.54 | ||
| Silver Plus Hospital 750 and Ancillary Lite - Extension | Silver Plus | Combined | $750 | None | 28 | 3 | All states | FPFamily, Single parent | $423.33 – $561.00 | ||
| Silver Plus Hospital 750 and Complete Ancillary | Silver Plus | Combined | $750 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $289.80 – $579.60 | ||
| Silver Plus Hospital 750 and Complete Ancillary - Extension | Silver Plus | Combined | $750 | None | 28 | 3 | All states | FPFamily, Single parent | $571.39 – $753.48 | ||
| Silver Plus Hospital 750 and Flex Ancillary | Silver Plus | Combined | $750 | None | 28 | 3 | All states | SSingle | $201.51 | ||
| Silver Plus Hospital 750 and Mid Ancillary | Silver Plus | Combined | $750 | None | 28 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $249.12 – $498.24 | ||
| Bronze Essentials Hospital 500 NSW | Bronze | Hospital | $500 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $136.52 – $273.04 | ||
| Bronze Essentials Hospital 500 NT | Bronze | Hospital | $500 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 500 QLD | Bronze | Hospital | $500 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 500 SA | Bronze | Hospital | $500 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 500 TAS | Bronze | Hospital | $500 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 500 VIC | Bronze | Hospital | $500 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 500 WA | Bronze | Hospital | $500 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $149.46 – $298.92 | ||
| Bronze Essentials Hospital 750 NSW | Bronze | Hospital | $750 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $127.42 – $254.84 | ||
| Bronze Essentials Hospital 750 NT | Bronze | Hospital | $750 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 750 QLD | Bronze | Hospital | $750 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 750 SA | Bronze | Hospital | $750 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 750 TAS | Bronze | Hospital | $750 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 750 VIC | Bronze | Hospital | $750 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 750 WA | Bronze | Hospital | $750 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $138.74 – $277.48 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite NSW | Bronze | Combined | $500 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $188.04 – $376.08 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite NT | Bronze | Combined | $500 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite QLD | Bronze | Combined | $500 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite SA | Bronze | Combined | $500 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite TAS | Bronze | Combined | $500 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite VIC | Bronze | Combined | $500 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Ancillary Lite WA | Bronze | Combined | $500 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $200.98 – $401.96 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary NSW | Bronze | Combined | $500 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $262.07 – $524.14 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary NT | Bronze | Combined | $500 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary QLD | Bronze | Combined | $500 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary SA | Bronze | Combined | $500 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary TAS | Bronze | Combined | $500 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary VIC | Bronze | Combined | $500 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Complete Ancillary WA | Bronze | Combined | $500 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $275.01 – $550.02 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary NSW | Bronze | Combined | $500 | None | 18 | 3 | NSW | SSingle | $173.78 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary NT | Bronze | Combined | $500 | None | 18 | 3 | NT | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary QLD | Bronze | Combined | $500 | None | 18 | 3 | QLD | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary SA | Bronze | Combined | $500 | None | 18 | 3 | SA | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary TAS | Bronze | Combined | $500 | None | 18 | 3 | TAS | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary VIC | Bronze | Combined | $500 | None | 18 | 3 | VIC | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Flex Ancillary WA | Bronze | Combined | $500 | None | 18 | 3 | WA | SSingle | $186.72 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary NSW | Bronze | Combined | $500 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $221.39 – $442.78 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary NT | Bronze | Combined | $500 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary QLD | Bronze | Combined | $500 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary SA | Bronze | Combined | $500 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary TAS | Bronze | Combined | $500 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary VIC | Bronze | Combined | $500 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 500 and Mid Ancillary WA | Bronze | Combined | $500 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $234.33 – $468.66 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite NSW | Bronze | Combined | $750 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $178.94 – $357.88 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite NT | Bronze | Combined | $750 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite QLD | Bronze | Combined | $750 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite SA | Bronze | Combined | $750 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite TAS | Bronze | Combined | $750 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite VIC | Bronze | Combined | $750 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Ancillary Lite WA | Bronze | Combined | $750 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $190.26 – $380.52 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary NSW | Bronze | Combined | $750 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $252.97 – $505.94 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary NT | Bronze | Combined | $750 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary QLD | Bronze | Combined | $750 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary SA | Bronze | Combined | $750 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary TAS | Bronze | Combined | $750 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary VIC | Bronze | Combined | $750 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Complete Ancillary WA | Bronze | Combined | $750 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $264.29 – $528.58 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary NSW | Bronze | Combined | $750 | None | 18 | 3 | NSW | SSingle | $164.68 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary NT | Bronze | Combined | $750 | None | 18 | 3 | NT | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary QLD | Bronze | Combined | $750 | None | 18 | 3 | QLD | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary SA | Bronze | Combined | $750 | None | 18 | 3 | SA | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary TAS | Bronze | Combined | $750 | None | 18 | 3 | TAS | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary VIC | Bronze | Combined | $750 | None | 18 | 3 | VIC | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Flex Ancillary WA | Bronze | Combined | $750 | None | 18 | 3 | WA | SSingle | $176.00 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary NSW | Bronze | Combined | $750 | None | 18 | 3 | NSW | SCFPSingle, Couple, Family, Single parent | $212.29 – $424.58 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary NT | Bronze | Combined | $750 | None | 18 | 3 | NT | SCFPSingle, Couple, Family, Single parent | $223.61 – $447.22 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary QLD | Bronze | Combined | $750 | None | 18 | 3 | QLD | SCFPSingle, Couple, Family, Single parent | $223.61 – $447.22 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary SA | Bronze | Combined | $750 | None | 18 | 3 | SA | SCFPSingle, Couple, Family, Single parent | $223.61 – $468.66 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary TAS | Bronze | Combined | $750 | None | 18 | 3 | TAS | SCFPSingle, Couple, Family, Single parent | $223.61 – $447.22 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary VIC | Bronze | Combined | $750 | None | 18 | 3 | VIC | SCFPSingle, Couple, Family, Single parent | $223.61 – $447.22 | ||
| Bronze Essentials Hospital 750 and Mid Ancillary WA | Bronze | Combined | $750 | None | 18 | 3 | WA | SCFPSingle, Couple, Family, Single parent | $223.61 – $447.22 | ||
| Basic Hospital | Basic Plus | Hospital | — | None | 0 | 38 | All states | SCFPSingle, Couple, Family, Single parent | $122.83 – $245.66 | ||
| Basic Hospital and Ancillary Lite | Basic Plus | Combined | — | None | 0 | 38 | All states | SCFPSingle, Couple, Family, Single parent | $174.35 – $348.70 | ||
| Basic Hospital and Complete Ancillary | Basic Plus | Combined | — | None | 0 | 38 | All states | SCFPSingle, Couple, Family, Single parent | $248.38 – $496.76 | ||
| Basic Hospital and Flex Ancillary | Basic Plus | Combined | — | None | 0 | 38 | All states | SSingle | $160.09 | ||
| Basic Hospital and Mid Ancillary | Basic Plus | Combined | — | None | 0 | 38 | All states | SCFPSingle, Couple, Family, Single parent | $207.70 – $415.40 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 38 restricted, 0 not covered
Restricted 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
Products Basic Hospital (Basic Plus, hospital); Basic Hospital and Ancillary Lite (Basic Plus, combined); Basic Hospital and Complete Ancillary (Basic Plus, combined); Basic Hospital and Flex Ancillary (Basic Plus, combined); Basic Hospital and Mid Ancillary (Basic Plus, combined)
Cover profile 2 · 28 of 38 categories covered, 3 restricted, 7 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Silver Plus Hospital 500 (Silver Plus, hospital); Silver Plus Hospital 750 (Silver Plus, hospital); Silver Plus Hospital 500 and Ancillary Lite (Silver Plus, combined); Silver Plus Hospital 500 and Ancillary Lite - Extension (Silver Plus, combined); Silver Plus Hospital 500 and Complete Ancillary (Silver Plus, combined); Silver Plus Hospital 500 and Complete Ancillary - Extension (Silver Plus, combined); Silver Plus Hospital 500 and Flex Ancillary (Silver Plus, combined); Silver Plus Hospital 500 and Mid Ancillary (Silver Plus, combined); Silver Plus Hospital 750 and Ancillary Lite (Silver Plus, combined); Silver Plus Hospital 750 and Ancillary Lite - Extension (Silver Plus, combined); Silver Plus Hospital 750 and Complete Ancillary (Silver Plus, combined); Silver Plus Hospital 750 and Complete Ancillary - Extension (Silver Plus, combined) and 2 more
Cover profile 3 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered 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
Products Gold Deluxe Hospital (Gold, hospital); Gold Private Hospital (Gold, hospital); Gold Deluxe Hospital and Ancillary Lite (Gold, combined); Gold Deluxe Hospital and Ancillary Lite - Extension (Gold, combined); Gold Deluxe Hospital and Complete Ancillary (Gold, combined); Gold Deluxe Hospital and Complete Ancillary - Extension (Gold, combined); Gold Deluxe Hospital and Flex Ancillary (Gold, combined); Gold Deluxe Hospital and Mid Ancillary (Gold, combined); Gold Private Hospital and Ancillary Lite (Gold, combined); Gold Private Hospital and Ancillary Lite - Extension (Gold, combined); Gold Private Hospital and Complete Ancillary (Gold, combined); Gold Private Hospital and Complete Ancillary - Extension (Gold, combined) and 2 more
Cover profile 4 · 18 of 38 categories covered, 3 restricted, 17 not covered
Covered Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Cataracts, Dental surgery, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Bronze Essentials Hospital 500 NSW (Bronze, hospital); Bronze Essentials Hospital 500 NT (Bronze, hospital); Bronze Essentials Hospital 500 QLD (Bronze, hospital); Bronze Essentials Hospital 500 SA (Bronze, hospital); Bronze Essentials Hospital 500 TAS (Bronze, hospital); Bronze Essentials Hospital 500 VIC (Bronze, hospital); Bronze Essentials Hospital 500 WA (Bronze, hospital); Bronze Essentials Hospital 750 NSW (Bronze, hospital); Bronze Essentials Hospital 750 NT (Bronze, hospital); Bronze Essentials Hospital 750 QLD (Bronze, hospital); Bronze Essentials Hospital 750 SA (Bronze, hospital); Bronze Essentials Hospital 750 TAS (Bronze, hospital) and 58 more
Extras profiles
Extras profile 1 · 11 services
Services Acupuncture, Chiropractic, General dental, Major dental, Endodontic, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Podiatry, Remedial massage
Products Gold Deluxe Hospital and Ancillary Lite (Gold, combined); Gold Deluxe Hospital and Ancillary Lite - Extension (Gold, combined); Gold Private Hospital and Ancillary Lite (Gold, combined); Gold Private Hospital and Ancillary Lite - Extension (Gold, combined); Silver Plus Hospital 500 and Ancillary Lite (Silver Plus, combined); Silver Plus Hospital 500 and Ancillary Lite - Extension (Silver Plus, combined); Silver Plus Hospital 750 and Ancillary Lite (Silver Plus, combined); Silver Plus Hospital 750 and Ancillary Lite - Extension (Silver Plus, combined); Bronze Essentials Hospital 500 and Ancillary Lite NSW (Bronze, combined); Bronze Essentials Hospital 500 and Ancillary Lite NT (Bronze, combined); Bronze Essentials Hospital 500 and Ancillary Lite QLD (Bronze, combined); Bronze Essentials Hospital 500 and Ancillary Lite SA (Bronze, combined) and 11 more
Extras profile 2 · 22 services
Services Acupuncture, Antenatal and postnatal, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Hearing aids, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Gold Deluxe Hospital and Mid Ancillary (Gold, combined); Gold Private Hospital and Mid Ancillary (Gold, combined); Silver Plus Hospital 500 and Mid Ancillary (Silver Plus, combined); Silver Plus Hospital 750 and Mid Ancillary (Silver Plus, combined); Bronze Essentials Hospital 500 and Mid Ancillary NSW (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary NT (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary QLD (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary SA (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary TAS (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary VIC (Bronze, combined); Bronze Essentials Hospital 500 and Mid Ancillary WA (Bronze, combined); Bronze Essentials Hospital 750 and Mid Ancillary NSW (Bronze, combined) and 7 more
Extras profile 3 · 26 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Gold Deluxe Hospital and Complete Ancillary (Gold, combined); Gold Deluxe Hospital and Complete Ancillary - Extension (Gold, combined); Gold Private Hospital and Complete Ancillary (Gold, combined); Gold Private Hospital and Complete Ancillary - Extension (Gold, combined); Silver Plus Hospital 500 and Complete Ancillary (Silver Plus, combined); Silver Plus Hospital 500 and Complete Ancillary - Extension (Silver Plus, combined); Silver Plus Hospital 750 and Complete Ancillary (Silver Plus, combined); Silver Plus Hospital 750 and Complete Ancillary - Extension (Silver Plus, combined); Bronze Essentials Hospital 500 and Complete Ancillary NSW (Bronze, combined); Bronze Essentials Hospital 500 and Complete Ancillary NT (Bronze, combined); Bronze Essentials Hospital 500 and Complete Ancillary QLD (Bronze, combined); Bronze Essentials Hospital 500 and Complete Ancillary SA (Bronze, combined) and 11 more
Extras profile 4 · 8 services
Services Acupuncture, Chinese herbal medicine, General dental, Dietetics, Exercise physiology, Optical, Physiotherapy, Vaccinations
Products Gold Deluxe Hospital and Flex Ancillary (Gold, combined); Gold Private Hospital and Flex Ancillary (Gold, combined); Silver Plus Hospital 500 and Flex Ancillary (Silver Plus, combined); Silver Plus Hospital 750 and Flex Ancillary (Silver Plus, combined); Bronze Essentials Hospital 500 and Flex Ancillary NSW (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary NT (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary QLD (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary SA (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary TAS (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary VIC (Bronze, combined); Bronze Essentials Hospital 500 and Flex Ancillary WA (Bronze, combined); Bronze Essentials Hospital 750 and Flex Ancillary NSW (Bronze, combined) and 7 more
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (103 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/aca-health.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.