We offer different levels of Ambulance cover across our products. There is a 1 day waiting period for emergency Ambulance included on all our extras products.
You’re may receive benefits for emergency transportation or attendance only.
This means where you need immediate professional attention and your medical condition is such that the only practical way of getting to a hospital is by Ambulance.
Emergency Ambulance on our extras only products does not pay benefits for Ambulance subscriptions or the following:
- Ambulance services where immediate professional attention is not required (general patient transportation);
- Ambulance transfers between hospitals;
- Ambulance transport for travelling from home to hospital for tests;
- Any Ambulance costs that are fully covered by a third party arrangement such as a federal/state/territory ambulance transportation scheme, WorkCover or the Transport Accident Commission. This includes Tasmania and Queensland residents who are covered by state schemes.
Included on our hospital products
ahm hospital covers and hospital and extras packages include Medically Necessary ambulance transportation and services provided by an ahm approved ambulance provider.
This includes transport to the nearest hospital that's able to provide the level of care you need. Some covers limit the number of Ambulance services we'll pay benefits towards per financial year. Check your product guide to see if any limits apply to your cover.
We don’t pay benefits towards any ambulance services that aren’t Medically Necessary. This includes general patient transport or any transport after you’re discharged from hospital (e.g.hospital to home).
Some State governments, however, have their own schemes in place, so if you live in NSW, the ACT, QLD or TAS, please take note of the following.
If you live in NSW or the ACT, your hospital cover includes a levy to the ambulance service. Pensioners/Concession Card holders are exempt from this levy – so if you hold any of the following cards you’re entitled to a lower premium:
- Concession Card
- Health Benefits Card
- Pension Health Benefits Concession Card and Social Security Card
- Veteran Affairs Pension Card.
To be eligible for the lower premium, every person on your cover must be listed on the concession card.
You’ll need to provide us with your concession card details, including the expiry date. You’ll also need to provide us with new card details when your concession card expires. If your circumstances change, and you lose access to the benefits under your Concession Card, let us know as soon as possible so we can make sure ambulance services are included under your cover.
If you live in TAS or QLD, you’re already covered by your State’s scheme. However, we do meet the costs for any interstate ambulance if not covered by the State scheme.
Note: your Daily Charge and/or Excess doesn’t apply to ambulance claims and we don’t pay benefits towards ambulance subscriptions.
Ambulance only cover
If you live in NSW or ACT you can also get our stand-alone Ambulance only cover which covers all medically necessary ambulance transportation. To get Ambulance only cover please complete an Ambulance cover application form (pdf) and send back to firstname.lastname@example.org