What's covered for Members who need an ambulance?

Understanding ambulance 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. 


What's included for members who need an ambulance on Saver, Special, Super or Premium Options Extras Cover.

The great news about HIF ambulance cover though 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.

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

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.