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Home » Our products » Extras cover » Emergency Ambulance cover

Emergency Ambulance cover

Accidents happen all the time and can be traumatic and costly experiences for all involved. At Teachers Health Fund we know this all too well, which is why all of our products include Emergency AmbulanceEmergency Ambulance means an ambulance service that consists of transporting a seriously ill person to the nearest hospital by a State Government Ambulance Service or by a private ambulance service recognised by Teachers Health Fund in order to receive urgently needed treatment. This includes transportation from the scene of an accident or the scene of a medical event such as a heart attack or stroke, but does not include transportation to hospital for the routine management of an ongoing medical condition or transportation between Hospitals.
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However, Emergency Ambulance cover can be taken on its own if you are not interested in taking out Hospital and/or Extras cover.

Emergency Ambulance covers the costs of getting you to the nearest hospital in an ambulance (State Government Ambulance Service) if you are involved in an accident, or are seriously ill or if you require urgent treatment. These costs are not covered by Medicare. The following table will show you how Emergency Ambulance cover works:

Services Emergency Ambulance cover
Transport from the scene to a hospital
Treatment at the scene by a qualified ambulance officer
Air ambulance services*
Transfers from a medical facility to a hospital and vice versa
Transport from the hospital to home
Transport to a hospital for routine management  of an ongoing illness
Australia-wide coverage
Waiting period 1 day

*Air Ambulance services administered by state owned ambulance services are covered by Teachers Health Fund. Services administered by non-state based ambulance services, Royal Flying Doctors Service, Care Flight Helicopter and Private Air Ambulance will not attract a benefit.

Queensland and Tasmanian residents are covered by State funded ambulance services.

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Your Rebate

All Australian residents, who are entitled to Medicare, are able to claim an income tested rebate on their private health insurance; would you like to apply your rebate?

For individuals earning between $88,001 - $102,000 (or $176,001 - $204,000 for families*).
*For families with children, the thresholds are increased by $1,500 for each child after the first.

How rebate tiers workX

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums. The private health insurance rebate is income tested. The table below details the different rebate amounts and Medicare Levy Surcharge levels.

The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas visitors cover. The rebate levels applicable for 1 July 2013 to 30 June 2014 are:

Singles
Families
≤$88,000
≤$176,000
≤$88,001-102,000
≤$176,001-204,000
≤$102,001-136,000
≤$204,001-272,000
≤$136,001
≤$272,001
Rebate
< Age 6530%20%10%0%
Age 65-6935%25%15%0%
Age 70+40%30%20%0%

Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first. http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/insurancerebate.htm