Farm Insurance Australia :: Articles
SHARE

Share this article with your friends!

Ambulance Cover: Do You Need It?

Ambulance Cover: Do You Need It?

Medicare in Australia doesn't cover ambulance services or emergency transport.
These services are more often covered by private health insurance.
However, private funds are not the only ambulance and emergency transportation service providers available.
State governments also have their own ambulance and emergency transport services for community residents, and the costs of these services depend on the state in which you live. In some states, these services are free, but in others they may be costly enough for you to consider adding ambulance cover to your health insurance plan.
Ambulance cover can be confusing, especially when you consider that there are four different rules for emergency medical transportation services across Australia's seven states. If you live in QLD, NSW, or TAS for instance, ambulance services may be provided either through your local government or through the payment you make on your electricity bills.
Insuring your most valuable asset
While many people would consider their home or their car to be their most valuable asset, it's your ability to earn an income that is most important in shaping your financial future. Statistically, two thirds of working Australians will suffer an injury or illness that will sideline them for 90 days or more. The majority of these people would not be able to pay their mortgage or meet car finance and other loan commitments without adequate income insurance.
Even still, these states do not pay 100 percent of the ambulance or emergency transportation costs, and you may not be covered at all outside of your home state, another reason to consider adding this service to your health insurance plan.
Of course, there are private health care funds that offer 100 percent ambulance cover, so you never need to worry about the cost of being transported to hospital in an emergency, no matter where you are.
By comparing health plans, you can find a policy that will pay for ambulance services and that meet your other health care needs as well, a real plus when you consider the bill for an ambulance can run $130 and more.
Residents of ACT, VIC, SA, NT and WA can purchase affordable ambulance cover through their local government.
However, the requirements to receive benefits for the full cost of the transport dictate that the ambulance service be medically necessary.
In other words, due to your condition or as a result of your medical emergency, you cannot be transported to hospital by any other means if you need immediate medical intervention. If ambulance cover is provided in your health insurance policy, make sure to read it carefully to understand if there are limitations on ambulance transport and if so, what they are.
Some health insurance funds provide ambulance cover automatically in certain specific policies they offer, so it is important to compare health insurance plans to see which provide this service in addition to other services you may want to secure.
Again, make sure you understand the terms of your ambulance cover, as many will have requirements for calling an ambulance to transport yourself or a loved one to hospital only when it is deemed medically necessary according to the terms of your health insurance provider.
Meeting the "medically necessary" requirement can mean any one or all of the following:
  • You must be transported to hospital or other approved medical facility by ambulance in order to receive immediate medical attention.
  • As an already admitted patient, you must be transferred to a separate hospital or facility for certain medical procedures.
  • You have called for an ambulance, but before it arrives you have received immediate professional care, then ambulance transport is no longer going to be covered.
  • An ambulance has been called, but in the meantime you receive immediate professional attention, then transport to the hospital is no longer covered.
  • When an air ambulance is required, you are covered when pre-approval has been obtained.
Ambulance Benefits are not payable under the following circumstances:
  • When any ambulance expense in already fully covered by private ambulance cover or state/territory ambulance plan. However, excess costs may be covered when the existing ambulance plan does not pay for the full amount of the services.
  • When you are transferred from one public hospital or approved center to another by ambulance while an admitted patient.
  • Once you are discharged from a hospital, you may not collect ambulance benefits for transportation.
  • When, as an admitted patient, you must be transported to another hospital for treatment because the admitting hospital does not have the facilities to care properly for you. Sometimes, the admitting hospital that orders your transfer will pick up the ambulance bill for you.
  • If you are 65 and live in WA, you are eligible for free or subsidized ambulance services. If you are eligible for subsidized services, you may be able to claim any uncovered cost from Medibank.
  • Residents of NSW ACT who already pay an ambulance levy as a part of your health insurance premium, and you are entitled to state ambulance cover, and if you have a Commonwealth concession card, you may be exempt from paying the state ambulance fee.
Of course, it's best to check with your local or state government to find out exactly what is and what is not covered under the ambulance transport scheme.
Remember, if you choose to purchase ambulance cover, or add it to your existing private health care plan, compare ambulance covers to find one with the most comprehensive coverage that fits within your budget.

Share this article:

Compare Public Liability Insurance Quotes
If you are renewing your public liability insurance in the near future,, it might be well worth your while to shop around. Or, better still, let us do it for you! Much has changed in the public liability insurance market following recent events and there are many new policies and special deals on the market that were not available even one year ago. A single 3-minute online enquiry will give you access to multiple quotes from multiple insurers via our national broker panel, guaranteed to save you time and money!!. So, why not give us a go … free service, no obligation!
Business Insurance Renewal Due?
If you are in the process of renewing your business, public liability or professional indemnity insurance ... whether it be a professional, trade, manufacturing or retail business ... we can show you a quick way through the maze of offers and options available on the market. Our Australia-wide broker panel will ensure that you get the best cover for your specific needs - and at the right price to suit your budget.


Insurance News

Undisclosed debt agreement results in rejected insurance claim Undisclosed debt agreement results in rejected insurance claim
25 May 2022: .financialservicesonline.com.au

A motorist lost her insurance claim dispute after failing to disclose a debt agreement while renewing her insurance policy. - read more
Australian home insurance in crisis? Australian home insurance in crisis?
19 May 2022: .financialservicesonline.com.au

Warmer temperatures linked to climate change are likely to make home insurance unaffordable for over 500,000 homeowners in Australia by 2030, according to a report from the Climate Council. - read more
AFCA finds MLC failed to give proper notice of rate increases AFCA finds MLC failed to give proper notice of rate increases
19 May 2022: .financialservicesonline.com.au

A dispute ruling against MLC, the Australian Financial Complaints Authority (AFCA) found that the company did not give adequate notice when it raised the critical illness premiums of a policyholder. - read more
Insurance that pays out as soon as extreme weather hits sounds appealing Insurance that pays out as soon as extreme weather hits sounds appealing
18 May 2022: .financialservicesonline.com.au

Australians could soon see a new type of insurance that would pay out as soon as extreme weather hits. - read more
Husband loses insurance dispute over wife's death Husband loses insurance dispute over wife's death
17 May 2022: .financialservicesonline.com.au

A man whose wife’s life insurance policy was revoked after a superannuation death benefit clause change has lost his dispute. - read more

Insurance Articles

How Much Life Insurance Do I Need? How Much Life Insurance Do I Need?
There are many different reasons to purchase life insurance (generation skipping tax, estate plan, estate preservation, surviving spouse needs, planning for your children's future and more). There is no right amount of life insurance, but here are some guidelines that might help you decide how much life insurance you need. - read more
Who Needs Disability Insurance? Who Needs Disability Insurance?
If you are like most people on this planet, you are not financially free. You would not be able to stop working and still support yourself and your family from your financial resources. Your continued ability to work to earn an income would therefore be one of your greatest assets. - read more
Top 5 Reasons to Buy Insurance Through a Broker Top 5 Reasons to Buy Insurance Through a Broker
In today's litigious and uncertain world, insurance has become a very important component of every financial plan. But, when it comes to buying insurance, consumers often get confused obout where they should start and how to decide on the best policy solution to their specific needs and circumstances. - read more
Loss of income insurance: Case Study Loss of income insurance: Case Study
Rebecca is a single, self-employed graphic designer who works from home. Aged in her mid-30s, she has monthly commitments of a mortgage and car payments and the usual living expenses. - read more
Life Insurance: How much is enough? Life Insurance: How much is enough?
When considering life insurance, you're planning and preparing for an event that most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family's well-being. - read more
Business: Avoiding Loss with Proper Risk Management Strategies Business: Avoiding Loss with Proper Risk Management Strategies
A Financial loss is something that no business wants to suffer - and small business owners will do their best to avoid downtime, expenses and accidents. But will insurance provide the total solution? Or is there more needed to ensure business continuity? - read more
Business Interruption Insurance - Getting the Indemnity Period Right Business Interruption Insurance - Getting the Indemnity Period Right
Business Interruption Insurance can be what stands between the collapse or survival of your business following major loss such as a fire, flood or storm. As important as getting the sum insured right is ensuring that you have the right indemnity period for your business. This article will help you understand the factors which should influence how long a Business Interruption Insurance indemnity period your business needs. - read more
Income protection insurance Income protection insurance
It's trite but true to say that, for most people, their most valuable asset is their ability to earn an income. But how relevant is income insurance to most Australians? - read more
DIY Review Checklist for your Income Protection Insurance DIY Review Checklist for your Income Protection Insurance
If you have an income protection insurance plan already - or are thinking about buying one, then you need to be aware that these policies require regular maintenance and careful scrutiny to ensure that they adequately meet your needs. Unfortunately, many people purchase income protection insurance policies only to find out about their shortcomings at claim time. - read more
8 Steps to Cheaper Car Insurance 8 Steps to Cheaper Car Insurance
Owning a car comes with considerable ongoing expenses ... and Comprehensive car insurance is one of the most significant ongoing costs. If your car is under finance, insurance is generally a requirement of the loan contract so you probably don't have the choice to opt out. However you do have options when it comes down to where you buy your insurance and there are some BIG savings to be had. Here are some tips on what you can do that could dramatically reduce your premiums. - read more

Need a Quote?
Start your free farm insurance quote comparison here.
Farm Type:
Postcode:

Knowledgebase
Disability Insurance:
A type of insurance protection that pays a portion of a person's income lost due to a total or partial disablement arising from either an accident or a sickness.