Ambulance Cover

We all hope to never experience a ride in an ambulance. But the likelihood is that you or someone you love may require ambulance assistance at some point. For example, in March 2014, St John Ambulance reported that more than 460 people in WA alone required their services in a single day! So for total peace of mind if the worst happens, it’s always good to have options. 

 

Get a Quote Retrieve Quote

Ambulance cover

Ambulance rides can be scary (and so can the fees!)

Did you know that some Australian health funds charge an additional fee for ambulance cover? Here at HIF, we think that’s a bit unfair. That’s why, if you take out Saver Options, Special Options, Super Options or Premium Options Extras Cover, you’ll be automatically covered for urgent AND non-urgent ambulance at no extra cost. It makes financial sense too, especially when you consider the price of urgent ambulance transport can cost as much as $900. In comparison, we think our Extra Covers are great value. 

For example, our popular Saver Options Extras cover starts from a tiny 61 cents a day* and not only gives you cover for ambulance services, but also includes 22 other commonly used services such as general dental, optical, physio, chiro and pharmacy. The annual cost for a single Saver Options policy is just $220.75 - so in relative terms, that’s hundreds of dollars less than the average cost of ambulance assistance. And the annual cost for a couple/family Saver Options policy is only $441.10 – that’s still less than half the price of ambulance assistance and means you’ll also be covered for all those other services too.

For members who hold Vital Options Extras cover, you can claim 50% of the ambulance charge up to a combined annual limit of $800 per year. Find out more by visiting the Vital Options product overview page

Understanding ambulance cover arrangements across Australia.

It’s important to understand that in the unfortunate event you require emergency ambulance transport, Medicare won’t cover the cost, although some state governments subsidise ambulance services, and some pensioners and low income earners may also be entitled to free ambulance assistance.

 

 

Click to locate your home state and view the ambulance services you're eligible for.

ACT: If you’re a pensioner or a low income earner in the ACT, you may be entitled to free ambulance cover. If you’re not a pensioner or low income earner however, ambulance cover is worth having. 

NSW: If you’re a pensioner or a low income earner in New South Wales, you may be entitled to free ambulance cover. If you’re not a pensioner or low income earner however, we recommend taking out ambulance cover. 

NT: No subsidies or discounts apply to the Northern Territory so having ambulance cover is recommended to ensure total peace of mind (should the worst happen). 

QLD: Congratulations Queenslanders, you’re one of the lucky ones – ambulance services (used within QLD) are covered by your state government. If you’re in need of other ancillary services like dental and optical though, why not consider one of our great value Extras cover options? 

SA: No subsidies or discounts apply to South Australia so having ambulance cover is recommended.

TAS: Congratulations Tassie, you’re one of the lucky ones - ambulance services (used within TAS) are covered by the Tasmanian state government. If you’re in need of other services like dental and optical though, why not consider one of our great value Extras cover options? 

VIC: No subsidies or discounts apply to Victoria, so having ambulance cover is recommended.

WA: If you’re a pensioner or a low income earner in Western Australia, you may be entitled to free ambulance cover. If you’re not a pensioner or low income earner however, we recommend taking out ambulance cover. 


HIF ambulance cover explained.

Ambulance cover for members on Saver, Special, Super or Premium Options Extras Cover.

The great news about our ambulance cover is that it doesn’t matter which level of Extras cover you choose, the benefits for ambulance are exactly the same (and no limits apply either.)  So if you do happen to need an ambulance in the future, you can rest assured that you’ll be covered for 100% in most circumstances. The only time you’ll be required to contribute is if the call out is considered “non-urgent” (or “non-emergency”) in which case a $50 co-payment will apply.

Benefits paid: 

  • Emergency call-outs and transportation: 100% covered by HIF.
  • Non-emergency call-outs and transportation: a $50 co-payment will apply.

Please note:

  • Benefits are paid on charges raised for approved ambulance services. 
  • HIF covers 100% of the cost of emergency ambulance transport for cases classified by St John Ambulance as requiring urgent attention and the patient is admitted to the emergency department of a hospital. 
  • A patient co-payment of $50 per service applies to non-emergency call-outs and transportation. 
  • Benefits are not payable for inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF.
  • Benefits are not payable for transportation from a hospital to your home, nursing home or other hospital, or for transportation for ongoing medical treatment.
  • Benefits are not payable for off road or air ambulance.

For members who hold Vital Options Extras cover, you can claim 50% of the ambulance charge up to a combined annual limit of $800 per year. Find out more by visiting the Vital Options product overview page

Please note: The pricing mentioned above includes a 27.820% Federal Government Rebate on Private Health Insurance and is based on an annual policy paid by direct debit. This pricing is correct as of 1 April 2015.