Peoplecare Ambulance Cover

How does Peoplecare cover ambulance services?

Don’t overlook your ambulance cover. If you aren’t covered for ambulance services, you might run into thousands of dollars in surprise expenses at the worst time possible.

To help, many health insurance providers offer ambulance cover options, either as standalone cover or with their other health insurance products.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

Peoplecare ambulance cover

All Peoplecare health insurance plans include ambulance cover. You can also take out standalone ambulance cover if needed.

With any type of Peoplecare ambulance cover, you get the following services:

  • Unlimited transport. There are no distance limitations, restrictions on the number of trips or any other limits.
  • Road, sea and air cover. You have cover for approved ambulance services regardless of whether the service was delivered by road, by air or by sea.
  • Nationwide cover. You’re covered anywhere in Australia.

However, it’s important to note that you’re only covered for medically necessary ambulance transport.

How to know if an ambulance is medically necessary

There are two types of necessary ambulance services:

  • Emergencies. When someone calls an ambulance, the paramedics will note on their paperwork whether it was an emergency call. Generally, it will qualify as an emergency if it was a time-sensitive situation, a matter of life and death and if there were no other safe and viable transport options.
  • Medically necessary. A doctor might request an ambulance for non-emergency patient transport, such as to move someone between hospitals.

When medically necessary, Peoplecare can cover your ambulance needs. The following are some examples of non-necessary situations:

  • Not an emergency. Paramedics almost certainly won’t specify a callout as an emergency if it’s for a scrape or bruise, especially not if the caller was able to make it to hospital by themselves.
  • Not medically necessary. A patient might request ambulance transport between home and hospital, such as for routine management of a chronic health condition. Without a doctor’s say-so, it will typically not qualify as medically necessary. If you want, it’s still possible to get ambulance cover for these kinds of non-emergency patient transport situations, although Peoplecare does not offer it.

Am I already covered for ambulance?

You might not need to worry about ambulance cover because you may already have it, depending on where you live. Your state government may already cover you, but it works differently in different parts of Australia.

  • Everywhere in Australia. DVA Gold card and DVA White card holders might already be covered for certain ambulance services.
  • Queensland and Tasmania. Residents of these states are automatically covered for ambulances under a state scheme.
  • South Australia. There are no state schemes for automatic ambulance cover here. If you’re an SA resident and not covered satisfactorily by a DVA card, you should consider ambulance cover.
  • NSW. If you live in NSW, are not a holder of a pension card and don't want to pay for an ambulance ride, you'll need to take out private health insurance to cover the costs.
  • Everywhere else, including NSW. Pension cardholders and concession cardholders may be automatically covered already, depending on the location and the card. If you’re a pensioner or concession card holder in NSW, VIC, WA, the ACT or the NT, you may want to check on your ambulance cover with the relevant state office.

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Picture: Shutterstock

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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