Glossary of terms

Here’s a guide to assist you in understanding the meaning of the terminology used by CBHS.

  • Ambulance

    Ambulance costs are expensive and are not covered by Medicare. CBHS Ambulance Cover protects you from emergency ambulance costs, which can potentially be very high.

    If you have any level of Hospital Cover with CBHS, you are automatically covered for emergency Ambulance transport. If you require cover for non-emergency services please contact your state ambulance scheme for further information.

    Ambulance cover pays the cost of emergency ambulance services if you are transported directly to a licensed hospital or treated at the scene, due to a medical emergency. Transport must be provided by a State Government ambulance service or a private ambulance service recognised by CBHS (e.g. Royal Flying Doctors Service).

    This includes transportation from the scene of an accident or the scene of a medical event such as a heart attack or stroke, but does not include transportation to hospital for the routine management of ongoing medical conditions or transfers between hospitals.

    Residents of QLD and TAS are covered by state based Ambulance schemes.

    Western Australia, South Australia, Victoria and Northern Territory 
    Hospital Covers pay the cost of emergency ambulance services when transported directly to hospital or treated at the scene due to a medical emergency. Transport must be provided by ambulance services recognised by CBHS.

    Ambulance benefits are not payable for transportation to hospital for the routine management of an ongoing medical condition or transportation between hospitals.

    Residents of WA holding a Hospital or Package 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.

    New South Wales and Australian Capital Territory
    Part of your hospital contribution is a levy charged by your State or Territory government. This entitles you to full ambulance cover within your State and emergency ambulance cover in all other States or Territories. If you receive a bill for ambulance services please forward it to CBHS for payment.

    Queensland and Tasmania
    Most ambulance services received within your state are provided by your State government and you should not receive a bill for these services. If you receive ambulance services outside your State, the same conditions apply as for Western Australia, South Australia, Victoria and Northern Territory.

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Contact Us

If you have any further questions or want more information about your health insurance, our friendly team is ready to assist you with your queries. Simply call 1300 654 123 or send an email to help@cbhs.com.au and we'll get back to you.