How does Doctors’ Health Fund cover me for ambulances?
Doctors’ Health Fund (DHF) is a private health fund that covers medical professionals, students and families.
It does not offer any standalone ambulance cover options, but every level of hospital cover includes identical cover for ambulance services.
What ambulance services does DHF cover?
The only way to access ambulance cover with DHF is through one of their hospital cover options.
With any of these options, you are covered Australia-wide in the following situations:
- An ambulance is called to attend you, but you are not taken to a hospital.
- You are transported by an ambulance and admitted to hospital.
- You need immediate medical attention at a hospital or other approved facility.
- You are an admitted patient and need to be transferred to another hospital.
In all cases, services must be recognised as medically necessary or as an emergency.
Who needs ambulance cover?
Eligible concession and pension cardholders in NSW and the ACT as well as in VIC, WA and the NT are automatically covered for necessary ambulance services by a state scheme as are all residents of TAS and QLD.
In NSW and the ACT, anyone who holds hospital cover health insurance will also get automatic ambulance cover through a levy included in their health fund contributions.
If you are automatically covered by a state scheme, you cannot claim ambulance services from DHF. However, if you are not covered elsewhere, you might benefit from the ambulance cover included in all DHF hospital plans.
Alternative ways to get ambulance cover might be to take out a standalone ambulance policy with another health fund or to subscribe to your state ambulance service.
Who can join Doctors’ Health Fund?
Eligible members are registered practitioners or students and their family members. You can join if you are one of the following:
- A registered medical practitioner
- A registered health practitioner in a specified category
- A person studying to become a medical or health practitioner
- An overseas doctor who has registered for the AMC exams
- An employee of a medical or health practitioner, or an employee of an incorporated medical or health practitioner practice
- Employed in any role by a federal or state Australian Medical Association (AMA) or by an associated or subsidiary organisation
- An officer, employee or contractor of Avant Insurance Limited or Avant Law Pty Limited
- An eligible family member of any of the above
Who qualifies as a health practitioner?
To quality for this category, you must be a registered health practitioner in any of the following areas:
- Medical radiation (diagnostic radiographer, medical imaging technologist, radiographer, nuclear medicine scientist, nuclear medicine technologist or radiation therapist)
- Dental (dentist, dental therapist, dental hygienist, dental prosthetist or oral health therapist)
- Occupational therapy
Who are eligible family members?
These include the following:
- Spouse or partner (including former spouses or partners)
- Dependent children
- Adult children, including those of a spouse or partner
- Siblings, including those of a spouse or partner
- Nieces and nephews
- Grandchildren, including those of a spouse or partner