HBF Ambulance Cover

Learn more about how HBF can cover you for ambulance services.

You’re not automatically covered for ambulance services in most of Australia, so it’s important to know whether or not you need ambulance cover.

Residents of Tasmania and Queensland are automatically covered by state schemes, while pensioners or concession cardholders in certain states may also be covered, but otherwise it’s likely that you’ll need to look at ambulance cover options.

In New South Wales and the Australian Capital Territory, your premiums for hospital cover automatically include an additional levy to cover emergency ambulance services. In the other states, you can get cover in the form of health insurance that includes it, a state ambulance subscription or standalone ambulance cover.

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What ambulance cover options does HBF offer?

All HBF hospital options include emergency ambulance cover, as do most of the extras policies. If you are in Western Australia, HBF’s home state, you can also add non-emergency ambulance cover to your policy, or take out standalone ambulance cover as an alternative to a state ambulance subscription.

Emergency vs non-emergency ambulance

When transporting a patient or attending a scene, ambulance staff will classify a situation as either an emergency or a non-emergency. Emergency situations can include calling an ambulance for a life-threatening condition, and being attended on the scene or transported to a hospital where you are admitted.

Non-emergency situations can include being transported between hospitals, or being transported between hospital and home in an ambulance for the routine management of ongoing health issues.

How HBF can cover you

Australia-wide, you can get emergency ambulance cover through all HBF hospital policies, or most of the extras.

HBF combined hospital and extras packages are only available in WA, and all of them include emergency ambulance cover, while the top-level package cover includes both emergency and non-emergency ambulance cover.

If you’re in WA you can also purchase standalone ambulance cover if needed as an alternative to a state ambulance subscription. The two options are urgent and non-urgent ambulance cover, to cover emergencies and non-emergencies respectively.

Note that pensioners in WA are automatically covered for all ambulance services by a state scheme and do not need to purchase ambulance cover.

HBF urgent ambulance cover

  • Covers emergencies only as standalone ambulance cover from $1.45 per week
  • Covers emergency ambulance even while you are travelling outside of WA
  • Does not cover ambulance services classified as non-urgent
  • A 7-day waiting period applies after taking out cover
  • Only covers road ambulances – no cover for air transport or others

HBF non-urgent ambulance cover

  • Covers both emergency and non-emergency ambulances from $0.55 per week
  • Can only be added to an HBF hospital or package policy
  • Limit of $3,000 per calendar year for non-emergency transport
  • 30-day waiting period applies
  • No cover for air ambulances

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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