Defence Health Ambulance Cover

How are Defence Health members covered for ambulance services?

You shouldn’t overlook ambulance cover since the potential costs of these services can end up being thousands of dollars. You can cover these costs through various health insurance funds, through the ambulance cover sold by these funds or through a state ambulance subscription. Read on to see how Defence Health covers ambulance services.

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How does Defence Health cover ambulance services?

One of the outstanding benefits of Defence Health cover is that members are covered for all ambulance services.

This includes both emergency and non-emergency ambulance services, such as inter-hospital transfers or transport to hospital for the routine management of a chronic health condition. As Defence Health advises its members, “If you have a trip in an ambulance and you get sent a bill, please forward it to us.”

Who can join Defence Health?

Defence Health is a restricted health fund for members of the Australian Defence Force, for reservists and for those with connections to the defence industry as well as for the family of these eligible members.

If you have connections to the ADF, you may be able to join. You can sign up if you meet the following criteria:

  • If you are currently serving as an ADF member or as a reservist who trains or serves 20 or more days a year.
  • If you have previously served in the ADF.
  • If you currently work, or have previously worked, in the Department of Defence and other related departments.
  • If you have worked for a defence supplier or a company contracted by the Department of Defence where you were involved in the supply of defence goods or services.

You can also join if you’re part of the extended family of a person who meets the above criteria. This includes partners, children, siblings and former spouses or partners as well as grandchildren of any of the above.

Should I get ambulance cover?

Residents of Queensland and Tasmania are automatically covered for ambulance services by state schemes. Eligible concession cardholders and pension cardholders are also automatically covered in some places.

In New South Wales, your hospital health cover includes a levy for state ambulance services. New South Wales residents who get hospital cover from Defence Health will have to pay this levy, but they can still access the same complete ambulance cover from Defence Health as other members.

If you are eligible to join Defence Health, the advantages of complete ambulance cover may be worth bearing in mind.


Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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