Ambulance cover explained

Ambulance cover is important as you never know when an emergency may happen.

Ambulance coverage in Australia is different from state to state, so we encourage you to read below to find out what you need to do to be fully covered.

Victoria

To be fully covered in Victoria, you need to take out an Ambulance Victoria subscription. Check the Ambulance Victoria website for joining options.

When you've signed up, GMHBA will pay a refund each year if you are on any open Gold or Silver extras cover*. From there, you are covered in full for ambulance transport, paramedic care and treatment, including air ambulance throughout Australia.

From July 2014, eligible Health Care card or Pensioner Concession card holders will only receive free clinically necessary ambulance coverage throughout Australia. This will not necessarily include transfers.

For more information, including information about Ambulance transport for eligible concession card holders, check out the Ambulance Victoria website

Tasmania

You don’t need to do anything if you are a resident of Tasmania, as the Tasmanian Ambulance service provides a free service within Tasmania only. If you want cover Australia wide, you’ll need to look at taking out domestic travel insurance, however we aren’t able to reimburse the cost of additional subscriptions.

For more information check out the Ambulance Tasmania website

Western Australia

Take out a policy with St John’s Ambulance Service WA and you’re covered Australia wide.

Metro WA

If you live in Perth, HBF administer ambulance subscriptions to cover you for urgent ambulance transport. Take out an ambulance subscription product through HBF to have cover.

Regional WA

If you live in regional WA you can purchase your ambulance subscription directly from St John’s Ambulance service. Take out an ambulance subscription to be covered Australia wide.

If you have any Gold or Silver extras cover with GMHBA, we will pay a refund on the cost of the subscription each year, no matter whether you take it out with St John’s or HBF.

Note: We do not reimburse ambulance subscriptions purchased through other health funds or organisations. As HBF own the right to sell St John’s Ambulance subscriptions, we pay a refund on the cost of Urgent Ambulance cover purchased through HBF.

For more info, check out St John's website or for Metro check out HBF.

New South Wales

Take out any GMHBA hospital cover and you’re automatically covered for emergency transportation within NSW. Ambulance in NSW is a Levy Based Scheme which is why it operates under your hospital cover.

If an ambulance is called, you will receive a bill. If you have a hospital product with GMHBA you can send this bill on to GMHBA and we’ll let the NSW Ambulance service know you’re covered.

If you have a non-emergency ambulance trip that is not covered by NSW Ambulance, and you have either Gold or Silver extras with GMHBA, you can claim up to $300 per trip (up to $500 per person per calendar year) towards the cost.

If you would like cover for non-emergency ambulance trips as well, you may need to seek out an ambulance subscription. Likewise, if you want cover when you’re in other states, you’ll need to look at taking out domestic travel insurance. Both of these expenses would be an out of pocket cost.

For more information check out the Ambulance NSW website

South Australia

To be covered, you need to take out a subscription with the South Australian Ambulance Service (SAAS). Check the SAAS website for joining options.

When you’ve signed up, GMHBA will pay a refund on the cost of one subscription each year if you are on any Gold or Silver extras cover. Ambulance Cover from SAAS provides pre-paid medical emergency care, Australia-wide, 24 hours a day, seven days a week. It covers all your ambulance transport costs, whether it’s an emergency or not.

For more information check out the SAAS website

Australian Capital Territory

Take out any GMHBA hospital cover and you’re automatically covered for emergency transportation within the ACT. Ambulance in the ACT is a Levy Based Scheme which is why it operates under your hospital cover.

If an ambulance is called, you will receive a bill. If you have a hospital product with GMHBA you can send this bill on to GMHBA and we’ll let the ACT Ambulance service know you’re covered.

If you have a non-emergency ambulance trip that is not covered by ACT Ambulance, and you have either Gold or Silver extras with GMHBA, you can claim up to $300 per trip (up to $500 per person per calendar year) towards the cost.

If you would like cover for non-emergency ambulance trips as well, you may need to seek out an ambulance subscription. Likewise, if you want cover when you’re in other states, you’ll need to look at taking out domestic travel insurance. Both of these expenses would be an out of pocket cost.

For more information check out the ACT Ambulance Service website

Queensland

From 01/07/2011, all Queensland residents are automatically covered for the cost of emergency services Australia wide. You don’t have to do anything.

Previously Queensland residents were charged a levy via their electricity accounts, but this has changed and is now free.

For more information check out the Queensland Ambulance Service website

Northern Territory

Take out a subscription with St John’s Ambulance Service NT, and be covered Australia wide.

When you’ve signed up, GMHBA will pay a refund on the cost of one subscription each year if you are on any Gold or Silver extras cover.

For more information check out the St John NT website

FAQs

What does “Emergency transportation within the state” mean?

It’s up to the ambulance service to decide. Some ambulance services will define an emergency on whether lights and sirens were required. We recommend calling the ambulance provider in your state to verify their definition of emergency transport.

What is ‘domestic travel insurance’?

If you reside in NSW, ACT, Queensland or Tasmania, you’re only covered for ambulance within your home state. In NSW or ACT you would only be covered if you held hospital cover. For Queensland and Tasmanian residents, you are covered for free in your state only.

If you want to be covered Australia wide, there are a few different “domestic travel” and “Ambulance only” covers available.

GMHBA have partnered with Allianz Travel Insurance and you can take out domestic travel insurance.

Still more questions?

Contact us and we can talk through your options.

*Please Contact us to confirm eligible covers.