Ambulance cover explained

In Australia, ambulance trips are not covered by Medicare. Having the right ambulance cover is important as you never know when you might need one.

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 covered.

What you need to be covered for your state

In WAVICSAor 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.

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

For NSW and ACT residents in their home state, government works with your hospital cover for emergency transport. Read more about emergency and non-emergency transport below.

Emergency and non-emergency ambulance trips

It is at the ambulance service’s discretion to classify a trip as emergency or non-emergency.

‘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.

Understand ambulance transport in your state

Please see the information below regarding the specific state you live in for more detailed information. You can contact GMHBA to confirm eligible covers.

What you need to be covered for your state

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

If you are on an eligible extras* product, when you've taken out cover with Ambulance Victoria, you can submit a claim and GMHBA will pay a benefit towards your ambulance subscription each year to help offset the cost of your comprehensive ambulance cover.

From there, you are covered in full for ambulance transport, paramedic care and treatment, including air ambulance throughout Australia.

*Please Contact us to confirm eligible covers.

To be covered, you need to take out a subscription with the South Australian Ambulance Service (SAAS). We strongly recommend considering taking out an interstate membership to ensure you are covered for comprehensive ambulance services Australia wide.

When you’ve signed up, GMHBA will pay a benefit towards your ambulance subscription each year if you are on any eligible extras cover*, to help offset the cost of your ambulance cover.

Visit the SAAS website for how to join.

*Please contact us to confirm eligible covers.

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 benefit towards your ambulance subscription each year if you are on any eligible extras cover*, to help offset the cost of your comprehensive ambulance cover.

For more information visit the St John Ambulance NT website.

*Please contact us to confirm eligible covers.

If you hold an eligible extras product and reside outside of Metropolitan Perth, you can claim back up to 100% of the cost of one St Johns Ambulance Service Subscription per calendar year.

If you live in Metropolitan Perth and hold an eligible extras product, you can claim back up to 100% of the cost of an Ambulance Service Subscription.

If you hold a GMHBA with AIA Vitality Hospital product, or the Basic Plus or Bronze Plus Package, you are covered for emergency ambulance services Australia Wide.

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

For more information check out the Ambulance Tasmania website.

If you are a resident of NSW or ACT take out any GMHBA hospital cover and you’re automatically covered for emergency transportation Australia wide. 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 or the ACT Ambulance service know you’re covered.

If you have a non-emergency ambulance trip that is not covered by NSW Ambulance, and you hold an eligible extras product with GMHBA, you can make a claim towards the cost. For details regarding your specific cover please check your fact sheet in your member area.

For more information check out the Ambulance NSW or ACT Ambulance website.

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.

For more information visit the Queensland Ambulance Service website.

 

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.

Contact us and we can talk through your options.

Get up to $200 off plus no 2 and 6 month waits on extras when joining on combined cover by August 31*

*$200 off for families, couples and single parents and $100 off for singles. 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 31 October 2020. 12 month waits, annual and sub limits apply. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 31 August 2020.