You’re covered under your policy, or you can get a standalone ambulance pass from Teachers Health
Ambulance transport is often not covered automatically, and an ambulance ride might leave you with significant out-of-pocket expenses. Depending on your location, there are a few different ways to protect yourself from this eventuality.
Does Teachers Health provide cover for ambulance services?
With Teachers Health fund hospital cover you’re covered for both emergency and non-emergency ambulance services, while the extras cover only pays for emergency ambulance services.
Emergency vs non-emergency ambulance
An emergency is generally only a life or death situation, or one where you receive urgent care from paramedics attending the scene. If you call an ambulance and it turns out not to be an emergency then you will generally have out-of-pocket costs if you only have emergency ambulance cover.
This can include transport between hospitals, non-emergency transport between your home and a hospital, or if you simply called an ambulance to be on the safe side, such as for a broken leg or some other non-critical event.
|Can it be covered by emergency ambulance?|
|Transport from the scene to a hospital|
|Treatment at the scene|
|Air ambulance services from state services|
|Transfers between medical facilities or hospitals|
|Transport from hospital to home|
|Transport to a hospital for routine management of ongoing conditions|
When you have hospital cover or combined cover with Teachers Health, you are also covered for non-emergency transport, with the exception of transfers between medical facilities or hospitals.
When you take out standalone ambulance cover with Teachers Health, it only covers you for emergency transport, giving ambulance cover that’s generally equivalent to what you’ll find with other Teacher’s Health insurance policies.
In some states, and some situations, however, you’re already covered fully and automatically under state schemes.
Do I even need ambulance cover?
In Queensland and Tasmania you’re covered by state schemes and don’t need to worry about ambulance cover.
- Queensland: All state residents are automatically covered.
- Tasmania: All state residents are automatically covered while in Tasmania.
- New South Wales and the ACT: Pensioners are automatically covered for all ambulance services. For everyone else, you may be eligible for complete ambulance cover if you hold any private health insurance hospital cover.
- Victoria: Pensioners and concession card holders are automatically covered.
- South Australia: No automatic cover.
- Western Australia: Aged pensioners are automatically covered, as are veterans.
- Northern Territory: No automatic cover.
If you are not already covered, it’s worth considering your ambulance needs.
- State ambulance subscriptions: You can take out a subscription with your state, or area, ambulance service for cover. Some health insurance policies, specifically the extras, may reimburse you some or all of the costs of a state ambulance subscription.
- Other health insurance: Health insurance can offer varying levels of ambulance cover in different ways, depending on the policy. It is typical for hospital, and often extras, cover to include emergency ambulance, but non-emergency ambulance cover can be significantly harder to find.Do I need ambulance cover?