Ambulance cover is one of the most overlooked parts of private health insurance. Many Australians don’t realise that Medicare does not cover ambulance services. In most states, you could be left with a bill of hundreds, or even thousands, of dollars after a single emergency call-out, and be liable even if you don’t call it yourself.
Understanding how ambulance cover works, and how to make sure you’re protected, can help you avoid unexpected costs during some of life’s most critical moments.
What is ambulance cover?
Ambulance cover helps pay for the cost of emergency medical transport and the care that you receive. This includes sending an ambulance to you in an emergency, treating you at the scene, and transporting you to hospital if required. In some cases, it may also include non-emergency and air ambulance services, depending on your policy.
Why you might need it
Without ambulance cover, the cost of a single call-out could exceed $1,000, depending on your state and the level of service provided. If you require multiple trips, specialist transport, or even treatment on site without transport, those charges can quickly add up.
Having ambulance cover means you can call for help without hesitation, knowing that you won’t be hit with a large bill later on.
How ambulance cover works
Ambulance cover is usually included in hospital or extras policies, but it can also be purchased as a standalone product from many Members Health Funds. The level of cover varies, so it’s important to check exactly what your policy includes.
Some policies only cover emergency transport. Others provide more comprehensive protection, including non-emergency transport and air ambulance services. Some funds also offer no-gap cover or no annual limits for ambulance services.
What ambulance cover provides
Ambulance cover may include:
- Emergency ambulance transport to the appropriate hospital or medical facility.
- Ambulance attendance and treatment at the scene, even if no transport is needed.
- Ambulance services with no annual limit.
- Transfers between private hospitals, if medically necessary.
More comprehensive policies may also include:
- Non-emergency ambulance transport, although this is often capped.
- Emergency services provided by air or other non-road vehicles.
It’s always best to review your health fund’s ambulance policy to understand what’s covered, including any limitations or exclusions.
How ambulance cover works across states and territories
Ambulance services are managed at the state and territory level, so the rules vary:
- Queensland and Tasmania: Residents are covered by the state government for emergency ambulance services Australia-wide.
- Victoria: Ambulance cover is not automatic. You can buy a subscription directly from Ambulance Victoria or get cover through your health fund.
- New South Wales and ACT: Ambulance costs are partially subsidised by the state. If you’re not a concession card holder, you may be billed for services. Private health insurance can help cover these costs.
- South Australia, Western Australia and Northern Territory: You are responsible for the full cost of ambulance services unless you have a health fund policy or subscription that includes ambulance cover.
Even if you’re from a state that covers its residents like Queensland, you may still need cover if travelling interstate. If unsure, check your cover’s reciprocal agreements.
There are some groups, such as holders of the Department of Veterans’ Affairs Gold Card holders, that are eligible for free emergency ambulances in all states and territories.
Peace of mind in an emergency
Ambulance cover is often overlooked, but it can make a major difference in a time of crisis. Many Members Health Funds offer straightforward ambulance options that give you peace of mind when you need it most.