Understanding Ambulance Cover

Have you thought about what might happen if you ever need to call an ambulance? Lots of people assume that it will be covered by Medicare, but that’s not always the case.

Ambulance cover varies from state to state. So, it’s a good idea to find out where you stand, in case you or someone you know is involved in an accident.

Let’s take a look at ambulance cover, state by state:

Queensland and Tasmania

If you’re a resident, you are covered for free ambulance services. You don’t need private cover.

New South Wales, Australian Capital Territory, Victoria, South Australia, Western Australia and Northern Territory

You are not covered for free ambulance services. You can purchase ambulance cover through a private health fund.

Alternatively, you may choose to purchase a subscription from your state ambulance service. Do a little research - some health funds will reimburse you or pay a benefit towards the cost of your subscription.

Also in NSW, ACT, VIC, WA and NT, if you hold a Pensioner Concession Card, Health Care Concession Card or Commonwealth Seniors Health Card, you may be entitled to free services paid by the State Government.

How to get ambulance cover through a health fund

If you live in a state where you need to organise your own ambulance cover, private health insurance is one option to consider.

Step 1: Decide how you want to purchase your health cover:

Ambulance Cover Only. This is a health insurance policy that exclusively covers ambulance services.

As part of a hospital or extras plan. When ambulance cover comes as a feature of your health insurance policy, your level of cover may vary, for example:

  • Emergency ambulance only (life threatening situations)
  • All ambulance transport (comprehensive ambulance)

If your health insurance policy only offers emergency ambulance but you want comprehensive cover, you should consider taking out a separate comprehensive ambulance cover or a subscription with your state service.

Step 2: Decide on options for ambulance cover

It pays to be thorough when you are researching ambulance cover. Make sure you check the product summary for a list of extras and conditions.

Examples of options include situations where:

  • You may need ambulance transport by land, sea and/or air.
  • You are planning to travel and want to make sure you’re covered for ambulance services in other states. Some state ambulance services already have reciprocal agreements in place but this should also be double–checked before you travel.
  • You require that your co-habituating partner, children or legal dependents are covered under your insurance.
  • You want on-the-spot treatment for some medical conditions, but do not wish to cover transport to hospital.

Step 3: Find the best value ambulance cover for you

Ensuring that you have the right level of ambulance cover is important. Visit choosi.com.au or call Choosi today on 13 55 55 to find health cover that’s right for you.

These articles are provided as reference material to allow more informed decision making, but are not intended as being a complete source of information on any topic. All readers should make their own independent analysis on the topic to make sure they have considered the aspects that are important to them.