Emergency Ambulance

Emergency Ambulance

Your Cover





* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in . Please note that our prices will increase from 1 April

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An emergency shouldn't cost you

If you find yourself in a medical emergency and need an ambulance to take you to hospital, money is the last thing you want to be worrying about.

Medicare doesn’t cover ambulance costs, so without the right cover you could be expected to pay these fees yourself.  It is only in limited circumstances that you may be entitled to free Emergency Ambulance options, which are covered when you’re a concession card holder, or a QLD or TAS resident.

Emergency Ambulance cover

All our Hospital and Extras products include Emergency Ambulance cover. If you don't want to take out Hospital or Extras cover, you can purchase Emergency Ambulance cover separately.

What’s covered:

  • Transport from the scene of an accident or medical event to a hospital
  • Treatment at the scene by a qualified ambulance officer
  • Air ambulance services*
  • Australia-wide coverage

What’s not covered:

  • Inter-hospital transfers
  • Transfers from a medical facility to a hospital and vice versa
  • Transport from the hospital to home
  • Transport to a hospital for routine management of an ongoing illness


Limits and waiting periods


Annual limit

Emergency Ambulance ONLY

$6,000 per person ($12,000 per family)

Any Hospital cover

No annual limit

Top Extras

$6,000 per person

Essential Extras

$6,000 per person


Please note, there’s an applicable waiting period of 1 day before claims can be made.


What about Non-Emergency Ambulance trips?

Ambulance cover for non-emergencies is available with our Hospital covers only. You can find more information here.


Emergency Ambulance details


Persons covered


with maximum rebate for under 65's


with 0% rebate




Couples, Families, Single Parents



*Air Ambulance services administered by state-owned ambulance services are covered by Nurses & Midwives Health. Benefits will not be paid for services administered by non-state based ambulance services, such as the Royal Flying Doctors Service, Care Flight Helicopter or Private Air Ambulance.

**Rebated prices include an Australian Government Rebate of 25.059%, which applies to Singles with a taxable income of $90,000 or less, or a Family with a taxable income of $180,000 or less. For more information see here.

Queensland residents are eligible to receive state-funded emergency ambulance services across Australia. More information.

Tasmanian residents are eligible to receive state-funded emergency ambulance in their home state and selected other states in Australia. More information.