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When comparing health insurance, it’s a good idea to pay special attention to how you’re covered for ambulance services. Without cover, the cost of ambulance services can potentially be enormous.
Many health funds will cover ambulance services as part of their hospital and extras policies, while many also offer standalone ambulance cover. However, in all cases, it’s important to be aware of the limitations and restrictions which may apply to your cover. Read on to learn more.
All Medibank health insurance policies, including the hospital, extras and combined packages, offer some cover for ambulance services.
Medibank also offers standalone ambulance cover, with a one-day waiting period, from $60.60 per year. This standalone ambulance cover is identical to what you get with Medibank’s health insurance policies.
You are covered for emergency and medically necessary ambulance services with Medibank policies. This is only when the nature of your medical condition means another type of transport is not viable. You are covered in the following situations:
You are not covered for any ambulance services that do not meet the above criteria. This includes the following situations:
In addition, no benefits are payable for ambulance services that are covered in another way, such as by a state scheme or another third party.
The ambulance cover provided by Medibank may be a suitable option if it meets your needs, and you find the cost reasonable. It has the benefit of having no limits on the number or on the cost of services you can claim per year, unlike some other health funds.
It is not the most comprehensive ambulance cover available since it does not typically cover non-emergency ambulance transportation, such as non-medically necessary transport home from hospital or to a hospital for the routine management of an ongoing health issue.
If you want these, then you might want to specifically look at the cover available through your state ambulance service or with other health funds that offer cover for a wider range of ambulance services.
If you are already covered for ambulance services in another way, then you do not need ambulance cover.
You already have ambulance cover in the following situations:
If you have Medibank health insurance, you are generally covered for emergency ambulance services when necessary. If you’re looking for standalone ambulance cover, you may want to learn more about how it works in your area and compare the cost and cover offered by a range of providers.
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My husband was rushed to GCUH on the 14/7 19 and I’m wondering if my Medibank will cover the cost My membership number is 28521284b.
Kind Regards.
Hi Sue,
Thanks for getting in touch! Sorry to hear about your husband. While we review Medibank in our pages, it’s helpful to know that we neither work with them or answer for their company. It would be best to contact the customer service support of Medibank directly for further assistance.
Hope this clarifies and we hope they find a quick resolution for you!
With care,
Nikki