Ambulance cover explained

Having the right ambulance cover ensures you have the best support if things go wrong, and the peace of mind that you won’t have large out of pocket costs if you do need emergency or non-emergency transportation.

In Australia, ambulance trips are not covered by Medicare and ambulance cover varies state to state.

In VICWASA, or NT, buying an ambulance subscription with your state ambulance service provider is required to ensure you are covered for all ambulance services, not just emergency.

In QLD or TAS you are automatically covered for ambulance services through your state government within the state. Check with the ambulance service provider for details regarding national cover and non-emergency transport.

For NSW and ACT residents in their state, the government works with your hospital cover for emergency transport.

It is the discretion of an ambulance service to classify a trip as emergency or non-emergency. Ensure you’re covered for all necessary ambulance trips by having the right cover for where you live. 

What you need to be covered for your state

To avoid unexpected out of pockets, it is recommended you take out an Ambulance Victoria subscription, regardless of your health insurance.

 

Ambulance service provider

How do I claim?

Recommended option for Victorian residents

Purchase a subscription from Ambulance Victoria to have comprehensive cover.

If you have eligible extras cover, provide GMHBA with the Ambulance Victoria subscription receipt to receive a benefit up to 100% of the subscription cost.


Benefits for emergency transportations are available on selected eligible extras and hospital covers. 
Contact GMHBA for more information.

For residents of South Australia to be covered, you need to purchase a subscription with the South Australian Ambulance Service (SAAS). To avoid unexpected out of pockets, it is recommended you take out an Ambulance subscription, regardless of your health insurance. 

 

Ambulance Service

How do I claim?

Recommended option for SA residents

Purchase a subscription from South Australian Ambulance Service to have comprehensive cover. 

If you have eligible extras cover, provide GMHBA with the South Australian Ambulance Service subscription receipt to receive a benefit up to 100% of the subscription cost.


We strongly recommend taking out an interstate membership to ensure you are covered for comprehensive ambulance services Australia wide.

Benefits for emergency transportations are available on selected eligible extras and hospital covers. Contact GMHBA for more information.

For residents in the Northern Territory to be covered, you need to purchase a subscription with St John Ambulance NT.  To avoid unexpected out of pockets, we strongly recommend taking out a subscription to be covered Australia wide, regardless of your health insurance.

 

Ambulance Service

How do I claim?

Recommended option for NT residents

Purchase a subscription from the St John Ambulance Northern Territory to have comprehensive cover.

If you have eligible extras cover, provide GMHBA with the St John Ambulance Service subscription receipt to receive a benefit up to 100% of the subscription cost.

Benefits for emergency transportations are available on selected eligible extras and hospital covers. Contact GMHBA for more information.

WA ambulances services depend on whether you live within the Perth metropolitan area or regional WA. Where possible, we strongly recommend purchasing an Ambulance subscription, regardless of your health insurance. 

 

Ambulance Service

Cover within WA

Cover interstate

How do I claim?

Recommended if you reside within the Perth metropolitan area

Purchase an eligible Ambulance Service Subscription for comprehensive cover.
(BUPA or HBF)
YES

NO

If you have eligible extras cover, provide GMHBA with the ambulance subscription receipt to receive a benefit of up to 100% of the subscription cost.

Recommended if you reside outside of Perth metropolitan area

Purchase a subscription from WA St John Ambulance Service.

YES

NO

If you have eligible extras cover, provide GMHBA with the St John Ambulance subscription receipt to receive a benefit up to 100% of the subscription cost.

Purchase a subscription from WA St John Ambulance Service.

 

NO

 

Only in VIC, TAS, NSW and NT, as these states have reciprocal agreements with St John Ambulance service.

Provide Ambulance service invoice to St John Ambulance Service. 

 

Contact St John Ambulance for more information.

No reciprocal ambulance agreement exists between St John Ambulance WA and SA, QLD & ACT.


Benefits for emergency transportations are available on selected eligible extras and hospital covers. 
Contact GMHBA for more information.

 

 

Tasmanian residents are covered by a State based scheme. Please contact Ambulance Tasmania for more details regarding coverage.

Within Tasmania

Ambulance Service

How do I claim?

Tasmania wide

For Tasmanian Residents a State Levy Based Scheme exists to provide comprehensive cover within Tasmania. 

 

 

Forward the Ambulance service invoice with proof of your Tasmanian residency to Ambulance Tasmania.

 

Visiting QLD, NSW & SA

How do I claim?

Visiting WA, VIC, SA and NT

How do I claim?

Tasmanian Residents are not covered for reciprocal emergency transport in QLD, NSW and SA.

Benefits are payable by GMHBA for members with eligible extras cover. Limits apply.

If you have eligible extras cover, provide GMHBA with the invoice for Ambulance Services for payment. Limits apply.

Reciprocal agreements exist with WA, VIC, SA and NT to cover Tasmanian residence for emergency road transport only.

 

 

Forward the invoice with proof of your Tasmanian residency to Ambulance Tasmania.

 

 

 

If you are a resident of NSW or ACT take out any GMHBA hospital cover, you are automatically covered for emergency transportation within NSW. Ambulance 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/ACT Ambulance service know you’re covered. 

NSW residents who hold any hospital cover with GMHBA

 

In NSW & ACT

In WA, VIC, ACT & NT

In SA & QLD

How do I claim?

Emergency transport only  

For New South Wales Residents, a State Levy Based Scheme exists to provide Emergency transport only cover within New South Wales. 

Reciprocal agreements exist for Ambulance Service provided within these states. 

Not covered by the Levy Scheme See Below for Transport benefits paid with Eligible   

Send the unpaid Ambulance service account to GMHBA for and GMHBA will contact NSW Ambulance Service on your behalf to finalise account.

Benefits for emergency transportations are available on selected eligible extras. Contact GMHBA for more information.

Non-emergency transport  

For New South Wales Residents, non-emergency ambulance transport is provided by HealthShare NSW and is included in the State Level Based Scheme.

Send both pages of the unpaid Ambulance service invoice to GMHBA and we will let HealthShare NSW know that you are covered. 

Interstate

For non-emergency Ambulance transport services provided interstate, a transport benefit is payable per trip, however there is the likelihood of significant out of pocket costs. Contact GMHBA for more information.

 

All Queensland residents are automatically covered for the cost of emergency services Australia wide. This is paid for by the QLD state government. You don’t have to do anything.

 

 

FAQs

‘Emergency’ ambulance trips are situations where immediate medical treatment is necessary. ‘Non-emergency’ ambulance trips on the other hand are situations where immediate medical treatment is not necessary, or for transportation from a hospital to your home or another hospital. It’s at the ambulance service’s discretion to classify a trip as emergency or non-emergency.

Ambulance is covered under some extras policies, and also under some hospital policies.

For specific information regarding your coverage please check your fact sheet in your member area.

You can submit your claim for your ambulance subscription in the online member area or by submitting a claim form. It’s important when you submit your claim that you provide an official paid receipt. Please check with your Ambulance Service Provider to obtain a copy of your receipt.

 

 

 

Once you have received your bill for your trip from your Ambulance Service provider please submit your claim by submitting a claim form.

 

Contact us and we can talk through your options.

Get $200 off for couples, families, and single parents and $100 off for singles when joining on combined cover by October 14*

*For new members who have not been a member during the last 12 months joining on combined cover paying by direct debit. Must pay first month premium to receive discount. Discount will be applied by 15 December 2021. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 14 October 2021.