HCF is an Australian not-for-profit health insurance provider. They’ve been around since 1932 and since then have helped to give generations of Aussie families greater peace of mind about their health.1
*iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.
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Edited by
Updated 14/09/2023
What changed?
Updated with correct information regarding policy availability and differences between states.
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Fact checked
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.
Updated with correct information regarding policy availability and differences between states.
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.
HCF offers a few different options when it comes to Ambulance Cover, including:
Hospital Only Cover: HCF’s Hospital Only policies provide emergency ambulance transport for treatments listed on your policy.2
Hospital and Extras Packages: These combined policies with HCF also cover you for emergency ambulance transport.3
Extras Only Cover: HCF Extras policies also provide cover for emergency ambulance services if you live in NSW or the ACT.4 HCF Extras policy holders in other eligible states also receive emergency ambulance cover; but depending on the policy you choose, there may be limits on how often you can make a claim.5
Because different policies offer different levels of ambulance cover and attach different limits to how often you can make claims, it’s always a good idea to read the product brochure. This will give you a good overview of how ambulance cover works on your policy of choice.
HCF Ambulance Cover by state in Australia
The way HCF Ambulance Cover works can differ depending on your home state:
State or territory
Hospital or Hospital & Extras Cover
Extras Only Cover
ACT
Unlimited emergency ambulance cover.6
Unlimited emergency ambulance cover.7
NSW
Unlimited emergency ambulance cover.8
Unlimited emergency ambulance cover.9
NT
Unlimited emergency ambulance cover.10
Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year.11
QLD
Because Queensland residents receive Australia-wide ambulance cover from their state government, they do not need separate ambulance insurance.12
Because Queensland residents receive Australia-wide ambulance cover from their state government, they do not need separate ambulance insurance.13
SA
Unlimited emergency ambulance cover.14
Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year.15
TAS
Tasmanians receive Australia-wide ambulance cover from their state government—except for when travelling in SA or QLD.
Tasmanian HCF policy holders may be able to claim for ambulance services not covered by their state government (limits may apply if you have standalone extras cover).16
Tasmanians receive Australia-wide ambulance cover from their state government—except for when travelling in SA or QLD.
Tasmanian HCF policy holders may be able to claim for ambulance services not covered by their state government (limits may apply if you have standalone extras cover).17
VIC
Unlimited emergency ambulance cover.18
Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year.19
WA
Unlimited emergency ambulance cover.20
Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year.21
What waiting periods apply with HCF Ambulance Cover?
There’s only a waiting period of one day for emergency ambulance services with HCF, so you’re covered almost immediately.22
Looking to purchase a Health Insurance policy with HCF?
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