Emergency services health logo
Finder makes money from featured partners, but editorial opinions are our own.

Emergency Services Health Insurance Review

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

No reviews yet. Write a review


  • 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 $93,000 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 and innovations editor Gary Ross Hunter

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Start comparing for freeStart comparing for free

What types of health insurance does Emergency Services Health offer?

Hospital icon

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:

Clipboard icon

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.

Ambulance icon

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

Why you can trust Finder's health insurance experts


We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Emergency Services Health frequently asked questions

More guides on Finder

Go to site