Emergency Services Health Insurance Review

Emergency Services Health insurance is good for emergency service volunteers and workers who want top level cover. The fund is above average in most key metrics, so it's not too shabby.

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Our Verdict: Emergency Services Health

Emergency Services Health insurance provides top level cover to emergency services employees and volunteers, along with their close relatives. It's a restrcited membership fund, but eligibility is far wider than just paramedics and firies, with nurses, doctors, SES, Water rescuers and more able to join.

Along with its parent organisation, Police Health, the fund is above average for all of the key indicators tracked by the private health insurance ombudsman, including member retention, percentages of premiums returned as benefits, complaints and more. That doesn't make it perfect, but it is a green flag to consider.

Pros

  • A great option for emergency services staff and volunteers, plus their families.
  • Health policies are refreshingly straightforward and easy to understand.
  • Some of Emergency Services Health insurance's policies will half your excess for same-day stays in a private hospital – other top policies have no excess for same-day stays.

Cons

  • Beware if you're after a lower level of cover – Emergency Services Health insurance only offers 2 types of gold cover and an extras package.
  • It's only available to emergency services employees, volunteers and their family.

Emergency Services Health policies

Emergency Services Health only offer 3 different policy options.


*Quotes are based on a single individual with less than $97,000 income, $500 excess and living in Sydney.

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What types of health insurance does Emergency Services Health offer?

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Hospital coverage

Gold Hospital. This hospital-only option provides cover for treatment in any private or public hospital or day surgery around Australia for all 38 treatments required to make it a gold policy. Cover includes:

  • Pregnancy and birth
  • Weight loss surgery
  • Assisted reproductive services
  • Dialysis for chronic kidney failure

Extras icon

Extras coverage

Rolling Extras. The policy covers 80% of the cost of most extras services and you have the freedom to visit the recognised health provider of your choice. Plus, Emergency Services Health is one of the only insurance groups in Australia that offers rollover benefits. Cover includes:

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Combined coverage

Gold Combined. This comprehensive policy brings together all the benefits of the Gold Hospital and Rolling Extras policies. In addition, this policy also provides benefits towards the cost of corrective laser eye surgery.

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Ambulance coverage

All Emergency Services Health policies include ambulance cover for anywhere in Australia. There is a 2-month waiting period before you're covered, but there is no annual limit. It can cover you for:

  • Emergency transport
  • Clinically required non-emergency transport
  • Treatment not requiring transport

Emergency Services Health frequently asked questions

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Head of publishing

As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification. See full bio

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Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 646 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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