ahm Ambulance Cover: What You Need To Know

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Updated 17/05/2023
What changed?
Expanded on how to make a claim; Added ‘can I get ambulance only cover with ahm?’; Explain difference between emergency and medically necessary ambulance cover.
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Written by

Francis Taylor

Updated 17/05/2023

What changed?

Expanded on how to make a claim; Added ‘can I get ambulance only cover with ahm?’; Explain difference between emergency and medically necessary ambulance cover.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

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I need cover for…

Can I get Ambulance Only Cover with ahm?
Why choose ahm?
How long has ahm been around?
Want to learn more about ahm’s Health Insurance?

ahm offers a range of different policies that include some form of ambulance cover. Depending on which policy you choose, you’ll usually be covered for one the following: 

Medically Necessary Ambulance Transport

As the name suggests, these are ambulance trips that are medically necessary. They don’t necessarily have to be emergencies, but they can’t just be for tests or trips where you’re not admitted to a hospital.2ahm – Ambulance explained

Emergency Ambulance Transport

These are ambulance trips for urgent, medical emergencies. These would usually be for illnesses or injuries where it’s important to get you to the hospital as quickly as possible.3ahm – Ambulance cover 

Keep in mind that policies which cover medically necessary ambulance trips will also cover emergency trips.

Can I get Ambulance Only Cover with ahm?

ahm doesn’t offer ambulance cover as a standalone product. If you want to get ambulance cover with ahm, you’ll have to buy one of the following policies: 

  • Starter Basic Hospital Cover
    This policy covers medically necessary ambulance trips. Singles policies get one trip while couple and family policies get two.4ahm – Starter Basic Product Guide (Page 3)
  • All Other Hospital Cover
    Anything above a ‘Starter Basic’ policy offers unlimited trips for medically necessary ambulance.5ahm – Form and Guides (Under ‘Hospital cover guides’) 
  • Extras Only Cover
    All ‘Extras Only’ policies pay unlimited benefits towards emergency ambulance services. However, there is a one day waiting period before you can claim these benefits and it doesn’t include non-emergency ambulance services.6ahm – Ambulance explained
  • Hospital and Extras Packages
    These policies combine hospital and extras cover, and they all offer some benefits for medically necessary ambulance trips. The ‘starter flexi basic’ package covers one trip for singles and two trips for couples and families; the other packages cover unlimited trips.7ahm – Form and Guides (Under ‘Hospital and extras packages guides’)  

Of course, you won’t just be getting ambulance cover with these policies. Hospital cover can also help with your medical costs when you get treated in a hospital as a private patient. Extras cover pays for a range of general services, which may include dental, optical and physiotherapy—though this also depends on the specific policy you choose. 

Why choose ahm?

Let’s explore some of the benefits of taking out health insurance with ahm, and why they might offer the right services for you and your needs. 

Easy claims system 

With ahm, it’s super easy to claim for ambulance services. You’ll simply log into your account and upload your invoice. Within 5 business days, ahm will assess your claim and get in touch if they need anything else from you.8ahm – Ambulance explained 

No excess 

There’s no excess charge for claims on ambulance services with ahm.9ahm – Ambulance explained This means you may not have to pay anything out-of-pocket for the ambulance fees, depending on your level of ambulance cover. 

Wide range of cover options 

If you just want cover for emergency ambulance trips, some routine dental work and a few other benefits, you can get a classic extras policy starting from $7.00 a week.10ahm – Classic Extras Cover Or, if you need cover for medically necessary ambulance trips, ahm also offers 9 different hospital policies, letting you balance cost with coverage.11ahm – Hospital Cover 

How long has ahm been around?

With more than 40 years of experience in providing health insurance for Australians, ahm is one of the country’s leading health insurance providers.12ahm – About Us The team at ahm is dedicated to making private health insurance easy for its members. 

More than 700,000 members rely on ahm for hospital and extras health insurance.13Ibid.  Because ahm is part of Medibank, customers get the peace of mind of knowing they’re in safe hands.  

Want to learn more about ahm’s Health Insurance? 

Finding a health policy can be overwhelming, but with iSelect you can compare a range of policies side by side and select one that meets your needs*. Start comparing online today, or call us on 1800 784 772

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