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. Visit the Ambulance Victoria website for joining options.

When you've signed up, GMHBA will pay a benefit towards your ambulance subscription each year if you are on any Gold or Silver extras cover,* 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.

Tasmania

The Tasmanian Ambulance service provides a free service to Tasmanian residents within Tasmania only. However if you take out a GMHBA combined or extras-only policy, you’ll be covered for emergency ambulance services in any state or territory of Australia.

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 for comprehensive ambulance services Australia wide.

If you have any Gold or Silver extras cover with GMHBA, we will pay a benefit towards the cost of your subscription each year.

Contact St John Ambulance directly for information, as your postcode will determine how you can purchase your St John Ambulance subscription.

New South Wales and the ACT

Take out any GMHBA hospital cover and you’re automatically covered for emergency transportation within either NSW or the ACT.

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 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 want cover when you’re in other states, you can take out GMHBA combined or hospital-only cover, and you’ll be covered for emergency ambulance services Australia wide.

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

South Australia

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 Gold or Silver extras cover*, to help offset the cost of your ambulance cover.

Visit the SAAS website for how to join.

Queensland

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

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

For more information visit the St John Ambulance 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.

Still more questions?

Contact us and we can talk through your options.

*Please Contact us to confirm eligible covers.