Ambulance Only Cover
Be Prepared for Any Emergency with Ambulance Cover
Life is unpredictable, and medical emergencies can happen when you least expect them. Hunter Health Insurance’s Ambulance Cover ensures that you’re prepared for any situation, providing comprehensive ambulance only cover for emergency transport. Don’t let the cost of ambulance call-outs not covered by Medicare add to your stress—get covered today.
Explore Our Individual Health Insurance Plans
As ambulance costs are generally not covered by Medicare in Australia, it is recommended that every individual holds ambulance cover for peace-of-mind in unexpected circumstances to help you avoid potentially being out of pocket in an emergency.
Hunter Health Insurance Ambulance policies provide cover where the service is provided by a State Government Ambulance Service. We offer 6 and 12 month ambulance only cover as a stand alone ambulance policy, or you can choose to add ambulance cover to your hospital policy.
Things to remember
- Ambulance services are funded differently across Australia in some states.
- In NSW and the ACT, cover is provided through an ambulance levy which is included in some hospital premiums. However, this levy does not provide ambulance cover Australia-wide. Nevertheless, cover under this scheme does not cover all Australian states. Residents in other states should check their home state ambulance services for coverage and services or consider ambulance only cover for nationwide peace of mind. Alternatively contact us at Hunter Health Insurance for your individual consultation.
- As well, some people who receive a government pension or social security entitlement may already have limited ambulance cover.
- The Federal Government rebate on private health insurance also applies to ambulance cover policies. Find out more about rebates here.
Why Hunter Health Insurance is the Right Choice
When you choose Hunter Health Insurance’s Ambulance Cover, you’re choosing:
Reliable Protection
Cover that ensures you are not our of pocket for emergency ambulance transport costs in Australia.
Comprehensive Support
from our local, knowledgeable team based in the Hunter region.
Flexible Plans
Choose from 6 monthly or 12 monthly ambulance only cover.
Affordable Coverage
Quality ambulance cover at a price that fits your budget.
Get covered today
Don’t wait until it’s too late—ensure you’re protected with Hunter Health Insurance’s Ambulance Cover. Request a free quote or speak with our team to find the right plan for you.
Frequently Asked Questions
Ambulance Cover includes medically necessary emergency ambulance services provided by State Government Ambulance Services or their contracted providers across Australia.
Yes, many private health insurance policies do not cover ambulance services, having dedicated ambulance cover can help protect you from emergency transport costs not covered by Medicare.
For accident or emergency cases, Ambulance Cover commences immediately.
A 7-day waiting period applies to all other types of ambulance cover claims. Persons transferring ambulance cover from another health insurer who have already served the 7-day waiting period will receive immediate cover.
Yes, our Comprehensive and Premium Ambulance Cover plans provide benefits for eligible ambulance services across Australia, subject to State Government Ambulance Service arrangements.
You can claim your ambulance costs easily through our online portal or by contacting our customer service team.
All emergency services provided by the State Government ambulance transport scheme or their contracted service providers are covered in the following circumstances:
- All services must be medically justified
- Where it is medically necessary to be admitted to hospital
- Emergency call out to your home even if you are not subsequently admitted to hospital.
Our ambulance cover does not provide benefits for non-emergency or excluded transport scenarios, including:
- Ambulance transport involving patient movement between hospitals (Patient transport)
- Transport to and from hospital when it is not medically necessary and alternative transport is available e.g. taxi, motor vehicle
- Transport to places including outpatient departments, day centre when the services are not deemed necessary by a medical practitioner.