Find out how you’re covered for ambulance services with Navy Health.
Navy Health offers 100% cover for all medically necessary ambulance transport provided by a state or territory ambulance service, without limitations.
If you need ambulance cover, it’s important to look into either a state ambulance subscription or cover through private health insurance like Navy Health.
Ambulance cover - who needs it?
DVA white and gold cardholders are automatically covered for certain ambulance services, although their partners and dependents are not. Other pensioner and concession cardholders might also be automatically covered in certain states.
Residents of Queensland and Tasmania are covered under state schemes as well and generally don’t need state ambulance cover.
In NSW, everyone with private health insurance hospital cover automatically gets ambulance cover too and doesn’t need to worry about it either.
Concession cardholders and pensioners might be covered for ambulances in NSW, VIC and WA.
However, SA does not have any state ambulance schemes, so residents of this state will generally need to look into getting either a state ambulance subscription or health insurance to cover ambulances.
Generally, any ambulance cover will only be for medically necessary, or emergency, ambulance services.
How do I know if an ambulance service is necessary?
Emergencies will always qualify as medically necessary. The attending paramedics will assess the situation to determine whether medical attention was urgently required.
An ambulance callout might be judged a non-emergency if it could have waited or if there were viable alternatives. For example, if your child breaks a finger and you could have driven them to a doctor or hospital, then this would not qualify as medically necessary.
Non-emergency ambulance transport might still qualify as necessary if a doctor determines it to be so. This might include non-emergency transport between hospitals or from a hospital to an outpatient facility.
Generally, a non-emergency ambulance ride qualifies as medically necessary if it isn’t safe to use alternative transport.
Essentially, if an ambulance was required to ensure patient safety, it will typically qualify as medically necessary, and Navy Health will cover it with any of its hospital or extras policies.