If you hold any level of Hospital cover with us, you’re automatically covered for emergency ambulance transport.

However, if your current health insurance with us doesn’t include Hospital cover, you might want to consider an ambulance policy with CBHS. Emergency ambulance services can be costly, and fees are not covered by Medicare.

Ambulance cover should be a vital part of your health policy

If you – or a loved one – are involved in a medical emergency, an ambulance will arrive on the scene as quickly as possible to provide the necessary medical attention and transport if needed.

In some cases, an ambulance ride has provided the treatment necessary to save a life. Being covered for emergency services means you have peace of mind about using these services without having to worry about the cost. It’s important to understand the costs associated so you aren’t faced with a hefty bill afterwards. 

About CBHS Ambulance cover

We’ll cover you for emergency ambulance services if you’re transported directly to a licensed hospital or treated at the scene during a medical emergency. This transport or treatment must be provided by

• a State Government ambulance service or
• a private ambulance service that we recognise, for example the Royal Flying Doctor Service.

CBHS cover includes transport from the scene of an accident or medical event such as a heart attack or stroke, but it doesn’t include transport to or from hospital for the routine management of ongoing medical conditions or transfers between hospitals. So, if you’d like cover for non-emergency services, the best thing to do is contact your state ambulance scheme for details.

Best of all, there is only a one-day waiting period on emergency ambulance cover. We get that you can’t plan for emergencies, so your cover will be ready to use almost straight away.

How does ambulance cover work around Australia?

Costs for ambulance services can vary based on the state you’re living in. Queensland and Tasmanian residents are covered by state-based ambulance cover. However, you should consider ambulance cover as part of your health insurance if you live in one of the following states:

• VIC
• NSW
• SA
• NT
• ACT
• WA

You may be able to claim for services not covered by your state scheme under your CBHS Hospital cover.

Residents of WA holding a Hospital or packaged product are also eligible to claim a benefit for non-emergency ambulance transport services up to a maximum of $5,000 per person per calendar year.

Check out our blog article to find out more about ambulance transport costs in your state or territory.