ACA Extras Only Health Insurance

ACA offers two Extras Only options for employees of the Seventh-day Adventist Church and their families

ACA Health is a member-owned community health fund designed for past and present employees of the Seventh-day Adventist Church and their immediate family. It caters to its members and gives 100% of its surplus profits back to its members.

See how ACA Health extras cover compares to other insurance policies and find out whether it's the right cover option for you. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 3 features
  1. Good for people who want policies that cover most major dental treatments.
  2. Good for someone that doesn't want too many confusing choices of cover.
  3. Beware if you're not an employee of the Seventh Day Adventist Church or a relative of someone who works for the church, as you won't be eligible to apply.

What ACA Extras Only policies are available?

ACA keeps things simple with just two Extras Only cover options. They cover a wide range of out-of-hospital medical services, including 100% back on ambulance transport with no annual limits and 80% back on dental procedures.

  • Ancillary Lite. Covers all general dental and most major dental treatments plus optical and a few natural therapies. Offers 80% back on most treatments.
  • Complete Ancillary. Covers everything Ancillary Lite does plus much more, including even more therapies, health devices like hearing aids, orthodontics, speech therapy and more. Also offers 80% back on most treatments.
Ancillary LiteComplete Ancillary
Periodic examination
Plaque removal
Fluoride treatment
Tooth extraction
Crowns and bridges
Root canal treatment
Single lens
Lenses (pair)
Frames (for prescriptions)
Contact lenses
Contact lens solution
Exercise Physiology
Chiro & Osteo
Speech Therapy
Occupational Therapy
Remedial Massage
Allergy Management
General Appliances
Cardiac Rehabilitation
Diabetes Education
Hearing Aids
Home nursing
Mammography/Bone Density Testing
Maternity Services & Appliances
Midwife Services
Orthopaedic Shoes
Surgical Corsets/Stockings and Braces
Vitamins, Minerals and Herbs
Wound Care Clinics

Other benefits of ACA Extras Cover

As a member-owned community health fund, ACA Health gives back 100% of its surplus profits and delivers some market-leading policies that allow you to claim back up to four times your annual membership fee. In addition to this:

  • Waiting periods are waived if you sign up when switching from a different private health fund, allowing you to claim sooner, up to the level of your previously available extras.
  • ACA Health extras policies will cover 100% of emergency ambulance transport costs nationwide, with no annual limits.

How do the costs work?

Both policies pay up to 80% on most covered treatments, up to your benefit limit for that treatment. The Complete Ancillary policy has higher benefit limits in addition to covering more treatments.

Waiting periods and limitations

Your waiting period for each treatment is as follows:

  • Four months. Optical.
  • Nine months. Dental.
  • Twelve months. Hearing aids, health appliances, orthotics and surgical shoes
  • Two months. All other services

Your extras policy won't cover you for the following:

  • Services not listed on your policy
  • Claims made while you are behind on your payments
  • Services you receive before your waiting periods are up
  • Claims made more than two years after service date
  • When you are entitled to payments under another insurance policy (such as workers compensation)

How to make a claim

ACA aims to make the claims process as quick and easy as possible by offering two ways to claim:

  • On the spot. Many general treatment claims can be processed on the spot at the provider using electronic claiming, all you have to do is swipe your membership card.
  • Via post. Where electronic claiming is not available, download a claim form from the ACA website and mail it to ACA along with your invoice for the service received.
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