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    Health & Wellbeing, Services

    ACA Health Benefits Fund – Insurance

    ACA Health Benefits Fund is a Private Health Insurance fund for Seventh-day Adventist Church employees and their families.


    Founded in 1934, we are a not-for-profit fund working hard to continually provide our members with value-for-money health cover at a great price. Over the years we have supported families of iconic Australian companies like Sanitarium, Sydney Adventist Hospital and Adventist Education.

    ACA Health also offers Local Church Officers and their families access to our great private health cover. This includes both past and present local church officers. If you are or have been an Elder, Deacon, Deaconess, Sabbath School Leader, Bible Coordinator, or any other local church officer, you are able to join ACA Health.

    ACA Health offer a practical and simple range of Hospital and Extras products within the market. We invest in making our policies better in fact, our Complete Ancillary Product is second to none.

    Link: ACA Health Benefits Fund | Not For Profit | Because we care…



    ACA Health is a support service of the Seventh-day Adventist Church, with the sole purpose of caring for its employees with health insurance products that are second to none.

    At the core of ACA Health is our values. Deep in the heart of ACA Health is more than just fashioning insurance policies for our members. ACA Health and its employees strive to be the servant of servants.

    ACA Health endeavours to support our members with valued private health insurance products so that they can experience the freedom to live a life of purpose and vitality, knowing their health needs will be taken care of.

    Because we care…


    Why ACA Health?

    You and your family are at the centre of everything we do, rather than the concerns of shareholders, governments, or overseas owners. We are here for our members first, last, and only. In addition, we offer quality cover, value and options fit for all stages of life.
    ACA Health promotes a culture of caring and compassion believing in ethics before profits. There is peace of mind in knowing that an ACA Health Policy can cover you for hundreds of thousands of dollars in the event you need it.

    Great Benefits
    We pay up to 4 times your annual premium with an unbeatable range of extras including per treatment payments more than double other health funds.

    Provider Choice
    We won’t dictate to you which recognised health provider you need to see and the type of treatment you receive. It’s all about choices, value for money, service, and peace of mind.

    Unbeatable Extras
    We pay up to 80% in benefits on a majority of our Ancillary products and services including Dental, Optical, Physiotherapy and Chiropractic.

    Members Health Fund Alliance
    Alongside 26 like-minded not-for-profit funds that exist to deliver the best possible service and benefits to you – the member.

    Dependent Extension
    Allows unmarried children over the age 21 & under 25 who are no longer studying full-time to stay on the Family Membership.

    Shop & Share Savings Program
    Members can save money on their everyday shopping and raise money for their local church or charity.

    Faster Claiming Options
    Members can claim via the ACA Health Mobile Claiming App, through the Member Online Services Portal or by email for faster turnaround on their claims.

    100% of our operating surplus goes back to members.

    High Member Satisfaction
    With 98% satisfaction on our products and service, we remain at an industry high.

    Infinite Hospital
    Most hospital policies will help close the gap indefinitely on all Medicare approved hospital items.

    Generous Payouts
    We provide immediate access to the level of care and treatment you require, while being financially protected.

    Value For Money Cover
    We keep our products simple and price competitive.

    Our Long History
    Since 1934, we have been proving cover for members of the Seventh-day Adventist employee community and their families. Today we also welcome appointed Local Church Officers and their families.




    If you would like to find out what cover might be most suitable for you, try our quick quote finder or give us a call on 1300 368 390.


    Official Page




    Who is Eligible to Join?

    ACA Health is a restricted private health insurer.  The Fund solely exists to benefit the health and well-being of its exclusive members.  Membership eligibility is open to current and past employees of the Seventh-day Adventist Church Companies, appointed Local Church Officers and their families in Australia.

    ACA Health invite you to join the Fund supporting the workers of God.

    Membership with ACA Health is open to Seventh-day Adventist Church Employees:

    Present Employees of incorporated Companies affiliated with the Seventh-day Adventist Church in Australia including:

    • Sanitarium Health and Wellbeing Company
    • Life Health Foods
    • Vitality Works
    • Sydney Adventist Hospital
    • Signs Publishing Company
    • Adventist Development & Relief Agency
    • Avondale College University
    • Adventist Schools
    • Adventist Retirement Villages
    • ACA Health Benefits Fund
    • Karalundi Aboriginal Education Centre
    • Mirriwinni Gardens Aboriginal Academy
    • A literature evangelist distributing for Home Health Education Service
    • Part-time and Contract workers
    • A person who, by the operation of the Private Health Insurance Act and Rule 6 of the Private Health Insurance Rule 2007 No 2, is taken to belong to the Restricted Access Group

    Past Members:

    • Past Employees of incorporated Companies affiliated with the Seventh-day Adventist Church in Australia, Past ACA Health Fund Members and Past literature evangelist distributing for Home Health Education Service

    Partner & Spouses:

    • Partners/Spouses and Former Partners

    Other Family Members:

    • Dependents, Adult Children, Siblings, Parents and Grandchildren of eligible persons mentioned above

    Local Church Officers:

    • Appointed Elders, Deacons, Deaconesses, Clerks, Treasurers, Communication Secretaries, Bible School Coordinators, etc.

    Please contact us if you are uncertain about your eligibility on 1300 368 390.

    Family members applying for membership will be asked to provide employment details of the past or present employee.

    Members do not have to be an Adventist.

    Join Now by filling out our online application.


    Hospital & Extras Cover

    ACA Health Hospital and Extras Cover give you the choice of cover you need without the confusion of too many options.

    You can choose from 4 Hospital covers:

    And 2 Extras covers:

    • Ancillary Lite − good extras product at a reasonable price
    • Complete Ancillary – comprehensive coverage with generous benefits on a wide range of services

    You can also combine one of our hospital covers with an extras cover or choose any product on its own to suit your life stage health needs.

    With our premium Gold Deluxe Hospital and Complete Extras package you receive one of the most comprehensive hospital and extras insurance packages available in the industry.

    Please Note:

    • All new and upgraded hospital policies, waiting periods apply.
    • Hospital cover only applies to services received as an in-patient and does not apply to out-patient services (e.g. GP or Specialist consults, MRI’s or Ultrasounds)
    • Hospital cover only applies when a service is recognised by Medicare
    • Out-of-pocket for Medical Specialists and Doctor’s fees can apply to any level of Hospital cover.

    If you would like to find out what cover might be most suitable for you, try our quick quote finder or give us a call on 1300 368 390.

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