Generally, all nib hospital and extras policies include cover for emergency ambulance services, however this doesn't mean you're 100% covered for all ambulance expenses.
Emergency ambulance transport specifically refers to urgent life or death type situations, whether it's riding in an ambulance as a patient or having paramedics rush to you in order to perform life-saving treatment. This also includes related services, such as Flying Doctors.
Generally speaking, if an ambulance has its sirens on it's presumed to be an emergency situation. However, not every situation will ultimately be emergency, even if you thought it was when you made the call.
For example, if you call an ambulance to be on the safe side, or because you're unable to transport yourself, such as in the event of a broken leg, it may not qualify as an emergency. Here, you will not be covered by any nib health insurance policies.
Similarly, patient transfers between hospitals will not qualify as emergencies.
With an nib health insurance policy that covers emergency ambulances, you are not covered for:
- Private ambulance services.
- Claims that are not medically necessary.
- Transport from hospital to your home.
- Transport between hospitals, unless required as a result of the first hospital not specialising in the treatment required.