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Are you under 35?
Find out why people like you have health cover, what your options are and what you might need cover for.
HBF Ambulance Care is an add-on that provides cover for non-urgent ambulance transport by road.
Added protection for non-urgent situations, such as call-outs that don’t require a trip to the emergency department
Up to $3000 in benefits per person, per calendar year
30-day waiting period applies to Ambulance Care before you can claim.
With Ambulance Care, you will be fully covered for the cost of non-urgent ambulance
to your annual limit.
Non-urgent ambulance services include transport from home to the hospital, and transfers
hospitals. Call-outs are also covered, regardless of whether you are transported to
Ambulance Care does not cover all ambulance services. These services are not covered: air
services, transport between a public hospital to your home, and transport not provided in
There’s a 30-day waiting period from the date of taking out Ambulance Care before you can
Yes! No matter where you are in Australia, you will be covered for non-urgent ambulance
“Urgent” and “non-urgent” are two of the terms St John Ambulance use to indicate how quickly you need an ambulance.
When you call for an ambulance, the operator will use the information you provide to figure
fast the ambulance needs to get to you. Based on this information, you will be assigned as
1 (emergency call), priority 2 (urgent call), or priority 3 (non-urgent call).
HBF Urgent Ambulance will cover you for emergency and urgent ambulance services. It will not
non-urgent ambulance services.
That’s where HBF Ambulance Care steps in—it covers non-urgent ambulance services, as well as
between your home to hospital, and transfers between hospitals.
The cost depends on where you live in Australia. In the Perth metro area, for most people, a
ambulance will cost $520, but this isn’t the story in all states.
Some states fully subsidise the cost of ambulance services for everyone, while other states
cover holders of specific concession cards. To find out how it works in your state, check
the government’s guide here.
Medicare does not cover non-urgent ambulance services, so without the right type of
in most situations you will cover the full cost out of your own pocket. With Ambulance
the cost of any non-urgent ambulance services, as well as transfers, will be fully covered.
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