FREQUENTLY ASKED QUESTION

What is the difference between urgent and non-urgent ambulance?

See more FAQs in

 Health insurance explained

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

HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

FacebookInstagramLinkedInYouTube

© 2026 Copyright HBF Health Limited - (ABN) 11 126 884 786 and its subsidiaries.