In most states, ambulance services have to be paid for out of pocket. Find out how CUA health insurance can help cover the cost.
As well as financial services, Credit Union Australia (CUA) provides health cover and related services. CUA’s health philosophy is affordable cover for everyone, and this includes ambulance services.
Except for Queensland and Tasmania, if you need an ambulance, the cost is not automatically covered. It’s a good idea to make sure you have ambulance cover, or that your health insurance policy includes this service.
How CUA covers ambulance needs
All CUA’s extras plans include ambulance insurance, but this only covers emergency situations, such as calling an ambulance to deal with a heart attack or a road accident.
It doesn’t apply to non-emergency ambulance transport, such as non-urgent transfers between hospitals, or transport between your home and a hospital for routine management of an ongoing health issue.
Do I really need to get ambulance cover?
If you are a resident of Queensland or Tasmania, you are automatically covered for ambulance services under a state scheme.
In Victoria, Western Australia and the Northern Territory, New South Wales and the ACT certain concession and pension cardholders are also covered, depending on the card they hold. In addition, anyone in NSW who holds hospital cover with any health fund is exempt from paying ambulance fees, for both emergency and non-emergency ambulance services.
For everyone else, including all residents of South Australia, it’s important to consider your ambulance cover.
How can I get a higher level of ambulance cover?
Most major health funds include emergency ambulance cover in their health insurance plans. However, this is often emergency cover only. CUA does not offer any standalone ambulance plans, but these are available from other providers.
If you would like the security of a higher level of ambulance cover, you should consider:
- A state ambulance subscription: This is essentially a membership program, where you pay an ongoing fee to be a supporter of your state ambulance scheme, or another ambulance organisation such as St. John’s Ambulance. This may entitle you to cover for additional ambulance services, such as non-emergency transport.
- Standalone ambulance cover: Available from major health funds, standalone cover offers a range of ambulance services. The level of cover, and applicable limits or conditions, may vary between providers.