Australia's lowest average premium increase
We’ve worked exceptionally hard to make our 2020 premium increase the lowest of all 35 health insurers in Australia. HBF’s CEO, John Van Der Wielen shares how we achieved this result.
Cover to suit your needs
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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 services (by road), up to your annual limit, 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 you are transported to hospital.
Ambulance Care does not cover all ambulance services. These services are not covered: air ambulance services, transport between a public hospital to your home (including transport from all emergency departments to your home), and transport not provided in an ambulance.
There’s a 30-day waiting period from the date of taking out Ambulance Care before you can
You will be covered for 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.
“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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