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How Ambulance Cover Benefits You

09 October, 2014

Ambulance costs are not included or covered by Medicare. Ambulance costs can be very expensive, which is why everyone needs to understand whether they have cover and take steps to ensure that they are covered if they do not already have coverage.

Cover for ambulance costs

Individuals with ambulance cover do not need to pay the costs of emergency ambulance services if they need to be transported to a hospital or if they need to be treated at the scene during an emergency and later transported to a hospital.

These emergency transportation situations cover incidents such as heart attacks or strokes, but not transfers between hospitals or transportation for routine medical treatment as an admitted patient.

State/Territory Residents and Ambulance Cover

Ambulance schemes can vary depending on the state or territory of residence.

  • NSW and ACT - In NSW and the ACT, individuals are fully covered for ambulance services if they contribute to a Hospital cover. Those who have only extras cover ie, without hospital cover, may have limited cover for emergency transportation.
  • TAS - Tasmanian residents do not need to pay for ambulance cover, as Ambulance Tasmania offers a free service to the state’s residents. Exceptions may apply in motor vehicle or workplace accidents where the insurance policies of those involved cover the costs.
  • QLD - Prior to 1 July 2011, Queenslanders paid the Community Ambulance Cover Levy, which was added to electricity bills. From 1 July 2011, every Queensland resident has access to free ambulance cover, and this applies even if they are temporarily outside their home state.
  • VIC, SA, NT & WA - Residents of these regions can obtain emergency ambulance coverage under Hospital and/or Extras cover.

Ambulance cover for CBHS members

If you have any type 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.

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