When you or a loved one is rushed to the hospital in an ambulance, the last thing you want to worry about is how you’re going to pay for it. Ambulance cover can take away that stress and ensure that you receive the medical care you need without worrying about the cost. In this post, we will discuss what Ambulance cover is, why you need it, and how to get it.
What Is Ambulance Cover?
You can think of Ambulance cover as a type of health insurance that provides you with emergency transport to the nearest hospital in the event that you need it. It’s important to have an ambulance cover because, if something happens and you need urgent medical attention, you don’t want to be worrying about how you’re going to get to the hospital because you can’t afford the ride!
With a trip in an ambulance costing upwards of $1000 for an emergency trip to the hospital, it’s easy to see why having ambulance cover is a good idea. Ambulance cover provides you with peace of mind in knowing that if something happens, you will be able to get the urgent medical attention you need without having to worry about the cost. This is especially important if you have a family, as you never know when an emergency might occur.
Some of the key benefits of ambulance cover include:
– Emergency transport to the nearest hospital
– Coverage for you and your family members
– Protection against out-of-pocket expenses
– 24/seven emergency assistance
How to Get Ambulance Cover
If you’re looking for ambulance cover, there are a few things to keep in mind. First of all, If you have Private Health Insurance you should check with your provider if it is included or not as not all health insurance policies include ambulance cover. If it’s not included or you don’t have Private Health Insurance, don’t worry – there are a number of standalone ambulance cover policies available.
When shopping for ambulance cover, be sure to compare the different policies available to find one that best suits your needs. Policies can vary in terms of the level of cover they provide. Some common policy options in Australia are Single or Family and the option to cover emergency transport in your state or Australia wide. It’s important to find a policy that offers you the coverage you need at a price you can afford.
Finally, don’t forget to read the fine print! Ambulance cover can vary from policy to policy, so be sure to understand what is and isn’t covered before you sign up.
How Much Is Ambulance Cover?
The cost of ambulance cover will vary depending on the provider and the policy you choose but is typically around $100 – $200 per year depending on if you choose a single or family plane. This may seem like a lot, but it’s important to remember that the cost of an ambulance ride without cover could set you back over $1000 for a single trip.
What Happens if You Don’t Have Ambulance Cover?
First of all, no matter your Ambulance Cover status please always call emergency services if you ever need help! There is no price that you can put on your health.
If you don’t have ambulance cover and need to be transported to the hospital, you will likely have to pay for the ride out of pocket. But don’t stress – the paramedics won’t hold you ransom with an EFTPOS machine before they let you into the hospital. The Ambulance Service will send you an invoice to pay in the mail, you can then pay this over the phone or online via credit card.
Where to Get Ambulance Cover
There are a few ways to get ambulance cover in Australia. You can get it through your state based ambulance service listed below or through a private health insurance provider. If you have private health insurance, be sure to check with your provider if ambulance cover is included in your policy or not as it’s not all policies include it. If you don’t have private health insurance, there are a number of standalone ambulance cover policies available.
- South Australian Ambulance Service
- New South Wales Ambulance
- Western Australia Ambulance
- Victorian Ambulance
- Queensland Ambulance (you lucky queenslanders don’t actually need cover as you get it automatically!)
- Northern Territory Ambulance
Does Insurance Cover Ambulance Transportation?
Private health insurance policies in Australia vary on whether they will cover ambulance transportation or not. It is important to check with your policy before assuming that they will cover the ambulance fees. If your policy does not include ambulance transportation, you can either add it through your insurance company or there are a number of standalone policies you can purchase that will cover you.
Does Medicare Cover Ambulance Transport?
Unfortunately, Medicare does not cover ambulance transportation. If you are transported to the hospital, Medicare will only cover the emergency room visit and not the ambulance fees. So it’s important not to assume that Medicare will help cover the ambulance fees if you need to be transported.
Conclusion
Whether you have private health insurance or not, it’s important to have ambulance cover. Ambulance transportation can be expensive if you don’t have cover, so it’s important to find a policy that best suits your needs. Be sure to read the fine print before signing up for a policy to make sure you are aware of what is and isn’t covered. There are a number of ways to get ambulance cover in Australia, so be sure to do your research and find the best policy for you.
So there you have it – everything you need to know about ambulance cover in Australia! Do you have Ambulance Cover? Tell us why or why not below!