No, Medicare does not cover ambulance services.

'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 products 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, as it covers non-urgent ambulance services, as well as transfers.

No. Unlike hospital cover, ambulance-only cover doesn’t reduce the Medicare Levy Surcharge or Lifetime Health Cover loading and isn’t tax deductible.

If your goal is to save on tax, check out our hospital cover options.

Learn more about Medicare Levy Surcharge and Lifetime Health Cover loading.

HBF recognises the following ambulance providers:

• St John Ambulance Service WA
• ACT Ambulance Service
• Ambulance Service of NSW
• St John Ambulance Service NT
• Queensland Ambulance Service
• Ambulance Victoria
• South Australia Ambulance Service