FREQUENTLY ASKED QUESTION

What is covered by HBF Urgent Ambulance insurance?

HBF Urgent Ambulance insurance covers ambulance transport by road or on-site treatment, for circumstances classified as emergency or urgent by an approved HBF provider. The ambulance provider is responsible for determining whether or not your incident is classified as urgent, emergency or non-urgent.

The most common urgent ambulance service is a call-out that requires a trip to a hospital emergency department. Emergency or urgent treatment performed by paramedics at the scene, such as resuscitation, are also considered an urgent ambulance service.

The following are not included under HBF Urgent Ambulance insurance:

• Situations where the service is not classified as emergency or urgent and you are not transported to, and received by, an emergency department, including transport to medical appointments.
• Any transport not by road, including air 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.