Does my hospital cover include ambulance cover?

Subject to the state-based terms below, emergency ambulance is covered when it results from an event that is unplanned, non-routine, and requires immediate medical attention.

You are not covered for transportation from a hospital to your home, a nursing home, or another hospital (if you have been admitted to the transferring [first] hospital). You are also not covered for transportation from your home, a nursing home or hospital for ongoing medical treatment, e.g. chemotherapy or dialysis.

QLD residents

All Queensland residents are covered by Queensland Ambulance Service (QAS) arrangements, including interstate travel. Any claims are to be submitted directly to QAS.

NSW and ACT residents

If you live in ACT or NSW, an ambulance levy to cover transportation or attendance by NSW ambulance is included in your hospital cover. If you receive a NSW Ambulance account, send it to us. If you require ambulance assistance in another state, you will be covered if you have combined hospital and extras cover. When a dependant resides in NSW or the ACT, but the main member’s residential address is in another state, ambulance cover is only covered on combined hospital and extras covers.

TAS residents

All Tasmanian residents are covered by Ambulance Tasmania. If a Tasmanian resident requires services in QLD or SA, they’re not covered by the state scheme and can only claim if they are on combined hospital and extras cover.

All other states and territories

You are entitled to cover for emergency ambulance transportation or attendance if you have both hospital and extras cover. Benefits for air ambulance services are limited to a maximum of $6,000 per person per annum and are only payable for state-owned air ambulance services. A waiting period of 1 day will apply to emergency air ambulance benefits. If you receive an ambulance account, send it to us for payment.

Ambulance subscription

Members residing in South Australia, Northern Territory, Victoria or regional Western Australia who have an eligible stand-alone general/extras treatment cover may purchase an ambulance subscription with their ambulance service provider and claim the cost of that subscription from us under the Health Management benefit category (refer to your Product Guide for details of eligibility and annual limits). Any subsequent ambulance transportation fees must then be reconciled with the ambulance service provider under the terms of your subscription.