Ambulance Cover

Ambulance cover is insurance that covers you for the cost of emergency and non emergency ambulance transport and treatment by paramedics.

In most states of Australia, if you need an urgent ambulance trip, you’ll be left with an expensive bill. Medicare doesn’t cover any ambulance services, so the person who needs the ambulance will usually have to pay for it themselves.

Unless you live in Queensland or Tasmania, ambulance costs aren’t subsidised by the state government. We suggest you consider taking out ambulance insurance, so you don’t have to worry about money in a stressful medical emergency.

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

Depending on which state you’re in, an emergency ambulance callout could cost $900 – $1200.

At HIF, we want all our members to feel safe and to be covered in case of emergency. That’s why we include emergency ambulance cover in all levels of our Extras Cover.

The best thing about emergency ambulance cover from HIF is that it’s included in your Extras Cover!

• Don’t pay extra for ambulance cover – choose from our great value extras cover range that includes things like dental, optical and physio and get ambulance insurance at the same time.
• 100% of the costs are covered for emergency ambulance transport on selected covers.
• You’re covered if you call an ambulance for a non-urgent or non-emergency situation although a $50 co-payment will apply (on selected covers).
• Don’t be in a situation where you need to pay $900 or more if you have a medical emergency.
• You are covered Australia wide.

We don’t offer ambulance-only insurance. Instead emergency ambulance is included as a standard benefit in our Extras Cover policies.

There are no Medicare rebates for emergency ambulance treatment and transport. If you don’t qualify for subsidies in your home state and don’t have ambulance cover from a private health insurance company, you’ll have to pay the full cost of an ambulance ride out of your own pocket. That’s why we suggest you consider taking out ambulance cover!

Some states offer subsidised or free ambulance cover for pensioners and concession card holders. So, if you are a pensioner, ambulances may be free depending where you live.

Yes, you’re covered Australia wide for emergency road ambulance transport.

A 1 day waiting period applies for emergency road ambulance and a 30 day waiting period applies for 'Non-Emergency' road ambulance.