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Emergency Services Health Insurance Review

Our verdict: Emergency Services Health insurance is good for emergency service volunteers and workers who want top level cover.

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  • 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.


  • 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 $90,000 income, $500 excess and living in Sydney.

Emergency Services Health insurance: Our verdict

Emergency Services Health insurance provides top level cover to emergency services employees and volunteers, along with their close relatives.

Emergency Services Health is good if:

  • You work or volunteer for Australian emergency services
  • You want comprehensive cover

Emergency Services Health is not great if:

  • You want lots of options to choose from
  • You don't work or volunteer for Australian emergency services

Review by our insurance writer Gary Hunter

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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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