FREQUENTLY ASKED QUESTION

What is covered by HBF Essential Ambulance insurance?

With HBF Essential Ambulance, you’ll be fully covered up to annual limits for ambulance transport by road or on-site treatment, for circumstances classified as emergency or urgent provided by an HBF approved provider.

The most common urgent ambulance service is a call-out that requires transport to the nearest hospital emergency department. Emergency or urgent treatment by paramedics at the scene, such as resuscitation, are also considered an urgent ambulance service and may therefore be eligible for benefit under your cover.

HBF won’t pay a benefit for:

• Situations where the service is not classified as emergency or urgent and you are not transported to an emergency department, including transport to medical appointments.
• Any transport not provided in an ambulance by road, including air or water ambulance services.
• Situations where the benefit or cost is subsidised by a state scheme or is payable by a third party, including inter-hospital transfers.
• Any transport between public hospitals.