Ambulance cover from AHM

The right ambulance cover can save you from an unexpected hefty bill

A lot of people think ambulance services are free all around Australia, but this simply isn’t true. Unless you’re in Queensland or Tasmania, where ambulances are covered by state schemes, you can be left with significant out-of-pocket expenses if you need to call an ambulance. It pays to always consider ambulance cover as an important part of health insurance.

What kinds of ambulance cover does AHM offer?

There are three different ways you can get ambulance cover when you sign up with AHM:

  • Hospital cover: When you take out hospital cover it includes ambulance services with hospital transport, on-the-scene treatment, and patient transfer. Depending on the level of cover, you might only be able to claim once or a limited number of times per year.
  • Extras cover: This also includes emergency ambulance services. You are covered either for a specified or unlimited number of emergency-only ambulance services per year, depending on your level of insurance. Emergency ambulance typically does not refer to patient transport and other non-emergency transport.
  • Standalone ambulance cover: If you live in NSW or the ACT you can apply for AHM ambulance-only insurance, which covers the cost of a range of ambulance services within the state.

How does standalone AHM ambulance cover work?

If you don’t have hospital insurance that includes ambulance, or you would like higher limits, it is worth considering a standalone ambulance policy. An annual premium covers you for emergency ambulance transport in NSW and the ACT. Before applying government rebates, the annual cost is $130.80 for single cover, and $261.60 for family cover.

When is ambulance transport covered by this policy?

You are covered for medically necessary ambulance rides and callouts. This can include:

  • Hospital transfers: If you need to be transferred from one hospital to another under medical care, an ambulance may be considered medically necessary.
  • Emergency callouts: If you need to call an ambulance in an emergency situation, whether for transport to a hospital or on-the-scene medical care, the costs are covered.
  • Patient transport: Sometimes it may be deemed medically necessary for a patient to be transported from hospital to home, or elsewhere, in an ambulance.

Do I need standalone cover if I have hospital cover?

Both types of cover include the same ambulance services. However, depending on your hospital policy, you might only be covered for a limited number of services per year. Standalone cover provides unlimited services when medically necessary.

If your current hospital cover policy offers unlimited ambulance services, then standalone ambulance cover generally won’t add anything new.

Do I need standalone ambulance cover if I have extras ambulance cover?

AHM extras policies only cover emergency ambulance services. This refers only to when you call an ambulance in the event of an emergency. Depending on your cover, the number of services you can claim per year may also be limited by the policy. A standalone ambulance policy will offer an extra level of protection.

Do I need standalone ambulance cover if I’m in Queensland or Tasmania?

No. Medically necessary ambulance rides are covered by state schemes.

What conditions apply to standalone ambulance cover?

You are only covered for medically necessary ambulance services. AHM standalone ambulance cover is only available to residents of NSW and the ACT.

How do I sign up for AHM ambulance cover?

Simply fill out and send in an application form.

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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