Ambulance Care cover

Medicare doesn't cover the cost of emergency transport and other ambulance services. 

Depending on where you live, without ambulance cover you may need pay over $1,000 for an ambulance in an emergency situation.^*

Depending on your state or territory of residence, you’ll need to take out ambulance cover to help cover the cost of ambulance transport.

If you are a resident of Queensland and Tasmania, ambulance services may be covered through your state’s own subsidised ambulance scheme.

For more information on how ambulance cover works in each state and territory, please visit privatehealth.gov.au.

No, Medicare doesn't cover the cost of emergency transport and other ambulance services in any Australian state or territory^*.

With Ambulance Care, you will be fully covered for the cost of non-urgent ambulance services (by road) when provided by an HBF approved ambulance provider.

Non-urgent ambulance services include transport from home to the hospital and transfers between hospitals. Call-outs are also covered, regardless of whether or not you are transported to hospital.

Ambulance Care does not cover all ambulance services, such as: air ambulance services, transport between a public hospital to your home (including transport from all emergency departments to your home), and transport not provided by ambulance.

'Urgent' and 'non-urgent' are two terms used to indicate how quickly you need an ambulance.

When you call for an ambulance, the operator will use the information you provide to figure out how fast the ambulance needs to get to you. Based on this information, you will be assigned as priority 1 (emergency call), priority 2 (urgent call) or priority 3 (non-urgent call).

HBF Urgent Ambulance will cover you for emergency and urgent ambulance transport by road. It will not cover non-urgent ambulance services, or ambulance transfers between your home and hospital.

That's where HBF Ambulance Care steps in — it covers non-urgent ambulance services, as well as transfers.

There’s a 30-day waiting period from the date of taking out Ambulance Care before you can claim.

HBF Ambulance Care covers non-urgent ambulance services throughout Australia, where provided by an HBF approved provider. Please contact us to obtain a current list of HBF approved ambulance providers.