Ambulance Care cover

The cost depends on where you live in Australia. In the Perth metro area, for most people, a non-urgent ambulance by road will cost $609 (as at Aug 2024), but this isn't the story in all states.

Some states fully subsidise the cost of ambulance services for everyone, while other states only cover holders of specific concession cards. To find out how it works in your state, check out the government's guide to ambulance cover arrangements.

Medicare does not cover non-urgent ambulance services, so without the right type of ambulance insurance, in most situations you will cover the full cost out of your own pocket. With Ambulance Care, the cost of any non-urgent ambulance services, as well as transfers, will be fully covered.

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.