HCF Ambulance Cover

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Last Updated 23/10/2024
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Written by

Francis Taylor

Last Updated 23/10/2024

What changed?

Added a summary of key points, Updated sourcing and footnote style.
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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Long story short

1
HCF Ambulance Cover Options

HCF offers Hospital Only, Hospital & Extras, and Extras Only policies, each providing different levels of ambulance cover.

2
State-Specific Coverage

Ambulance cover varies across states. States like QLD and TAS offer government-provided care, while others may have unlimited HCF ambulance cover.

3
Waiting Period for Coverage

Get covered almost instantly – there’s only a one-day waiting period for HCF ambulance services.

4
HCF Policy Limits

Your state and policy may limit how many ambulance trips you can claim per year, so be sure to read the fine print.

Types of HCF Ambulance Cover 

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.
  • Hospital and Extras Packages: These combined policies with HCF also cover you for emergency ambulance transport.
  • Extras Only Cover: HCF Extras policies also provide cover for emergency ambulance services if you live in NSW or the ACT. 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. 

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:1HCF – Membership Guide (page 31

State or territory Hospital or Hospital & Extras Cover Extras Only Cover 
ACT Unlimited emergency ambulance cover. Unlimited emergency ambulance cover. 
NSW Unlimited emergency ambulance cover. Unlimited emergency ambulance cover. 
NT Unlimited emergency ambulance cover. Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year. 
QLD Because Queensland residents receive Australia-wide ambulance cover from their state government, they do not need separate ambulance insurance.  Because Queensland residents receive Australia-wide ambulance cover from their state government, they do not need separate ambulance insurance. 
SA Unlimited emergency ambulance cover. Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year. 
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). 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). 
VIC Unlimited emergency ambulance cover. Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year. 
WA Unlimited emergency ambulance cover. Emergency Ambulance included but some levels of cover are limited to 1 service per person or 2 per policy per year. 

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.  

Looking to purchase a Health Insurance policy with HCF? 

At iSelect, you can compare a range of health insurance policies online or give us a call on 1800 784 772

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