Ambulance Cover from HCF is only available for residents of New South Wales, Victoria, South Australia, Northern Territory, Western Australia and the ACT. It provides cover for emergency ambulance travel provided by state government services anywhere in Australia.
You also have an annual cover limit for medically necessary, non-emergency ambulance services where your doctor requires you to be transported by ambulance, for up to $5,000. This occurs in situations where your condition needs to be monitored and the right medical support provided while you are in transit.
This cover is offered for singles, couples, families and single parent families, and there is no need to pay upfront for the ambulance service you use once you're insured.
Ambulance Cover is available as a standalone policy or with Cash Back Cover. Cash Back Cover offers a cash benefit to help you cover additional expenses that arise when you are sick or injured. Available from $2 a week for singles, Cash Back Cover provides:
- A $5,000 benefit for accidents requiring surgery
- A $5,000 benefit for serious specified medical conditions including malignant cancer, chronic kidney failure, heart disease requiring bypass surgery, heart attack OR stroke
You're also eligible to make multiple claims, up to a limit of $20,000 for singles and $40,000 for families.
Policy limitations, exclusions, waiting periods and excesses
Always check the conditions and the list of general exclusions to make sure you know what is and isn't covered. HCF will not pay your claim if:
- The ambulance transport you receive does not meet the approved definition supplied in the PDS. (For example, if it is for transport you receive when you are discharged from hospital.)
- You are covered by another arrangement, such as a state government ambulance subscription scheme.
- It is for transfers between hospitals.
- It is for transport provided by an ambulance service not recognised by HCF.
Are there waiting periods?
There are waiting periods which apply when you take out HCF Ambulance Cover. A 1-day waiting period applies to emergency ambulance. There is a 2-month waiting period for medically necessary non-emergency ambulance. If you require ambulance transport or treatment for a pre-existing ailment or condition, keep in mind that you will have to serve a 12-month waiting period.
How much does HCF Ambulance Cover cost?
There are several factors that can influence how much HCF Ambulance Cover costs:
- Whether you take out a singles, couples, family or single parent family policy.
- Whether you live in NSW, VIC, SA, NT, WA and the ACT.
- Your age and income have an impact on the amount of Australian Government private health insurance rebate you are entitled to.