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 one of our Hospital or Extras cover policies to make sure you are always covered if you need an emergency ambulance.

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

Depending on which state you’re in, an emergency ambulance callout could cost $400 – $7000.

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 on all levels of cover.

The best thing about emergency ambulance cover from HIF is that it’s included on all levels of cover!

• 100% of the costs are covered for emergency ambulance transport¹ on all levels of cover. On Basic Extras and Vital Options, you’re covered at 100% of the cost for one emergency ambulance transport per person per calendar year.
• You’re covered if you call an ambulance for a non-urgent or non-emergency situation although a $50 co-payment per trip will apply (on selected covers).
• You are covered Australia wide.

We don’t offer ambulance-only insurance. Instead emergency ambulance is included as a standard benefit on all levels of Hospital & Extras cover.

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.

• Transportation from a hospital to your home, nursing home or other hospital.
• Transportation for ongoing medical treatment
• Off road or air ambulance (e.g. plane, helicopter or boat).

If your ambulance is classified as 'Non-emergency' a $50 per trip co-payment will apply.