If you're looking at standalone ambulance cover, see how Bupa cover those flashing lights and sirens.
Whether you need ambulance cover depends on your situation and location. In many cases, it will not be covered, in which case you may want to compare the ambulance cover offered by different health funds. In some states, you should also look at what’s covered compared to the cost of a subscription to your state ambulance service.
How does Bupa cover the cost of an ambulance?
You can get ambulance cover with Bupa hospital or extras policies, or purchase an ambulance-only cover plan.
The two options available from Bupa are Emergency Only Ambulance Cover and Premium Ambulance Cover.
- Emergency Only: Covers the cost of unlimited emergency ambulance trips per year and on-the-spot treatments, including air ambulance services. It does not cover any non-emergency ambulance services. This cover starts at $40.25 per year.
- Premium Ambulance: Covers unlimited emergency ambulance trips, but also adds a $5,000 per year allowance for non-emergency transport. A one-month waiting period applies to non-emergency transport. This cover starts at $53.25 per year.
With both options, you get the additional benefit of being treated as an After Hours Plus patient with the National Home Doctor Service. You simply need to quote your Bupa ambulance cover number when contacting this service.
What's the difference between emergency and non-emergency transport?
Emergency situations are when an ambulance needs to get there as soon as possible. These may include:
- Uncontrollable bleeding
- Sudden collapse
- Acute breathing difficulties
- Severe chest pains
- Fractured bones
Non-emergency situations may include:
- Pre-ordered ambulance transport between hospital and home
- Non-emergency transfers between hospitals
- Non-emergency ambulance call-outs
Do I need ambulance cover?
In some situations, you will not need to take out emergency ambulance cover. This is mainly determined by where you live:
- QLD and TAS: Residents of these states are automatically covered by the state government, while within these states.
- NSW and ACT: You are automatically covered for emergency ambulance services in New South Wales and the ACT if you hold hospital cover health insurance, or are a concession cardholder.
- SA, NT, WA and VIC: Concession cardholders may be automatically covered, while others will either need to purchase a state ambulance subscription or get ambulance cover through health insurance, or an ambulance cover plan.