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Ambulance Cover: What You Need to Know


Ambulance cover is something that we all hope we don’t need. Unfortunately the unexpected can happen and if you’ve taken some time to plan ahead and think about your ambulance cover requirements, you can avoid financial hassles making an already stressful situation worse.

Many people don’t realise that the costs of emergency treatment and ambulance transportation are not provided by the government in every State. The rules actually differ between States, which makes it even more confusing to work out what you’re entitled to.

The only States that provide cover to all residents for ambulance transportation are Queensland and Tasmania. Queenslanders are covered for emergency ambulance services Australia-wide, while Tasmanian residents are covered for ambulance services in Tasmania only. All Australians (excluding Queensland residents) travelling interstate will probably have to take out ambulance cover through their private health insurance provider or State ambulance service unless you fall into a couple of very select categories.

Who is usually eligible for ambulance cover?

If you reside outside Queensland and Tasmania, you may be eligible for payment of your ambulance costs if you are a senior citizen or pensioner with a Centrelink card, or if you have a Health Care Card from the government.

It’s always worth checking carefully to see exactly what you are entitled to in terms of treatment and costs before you remove your ambulance cover from your health insurance or cancel a State ambulance service subscription.

What you need to know about ambulance cover and health insurance

Most insurers will give you some level of ambulance cover, usually bundled in with the rest of your policy, but it’s always a good idea to compare the different options as there can be variations in the specifics of what’s included.

Some policies will cover emergency transport only while others will provide a more comprehensive cover. In many cases your ambulance cover will be bundled in with your hospital cover or your ancillaries (extras) cover to make things simpler. If you don’t feel you are getting a high enough level of cover to protect yourself in the event that you need ambulance treatment and transport, it is possible to take out a separate ambulance policy.

As well as the cost of transportation to the hospital by ambulance, don’t forget that you may need treatment at the scene. Check that your ambulance insurance also covers you for treatment so you can be sure that all your costs will be covered.

While nobody likes to think they will need to call an ambulance, being prepared with the right health insurance or ambulance cover means that if you do experience an emergency, you will have one less thing to worry about. Talk to a Choosewell Advisor today on1300 421 154 for a free health insurance comparison and ensure that you have the private health insurance that fits your situation best.

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