Ambulance Cover South Australia

Like all states, when it comes to emergency treatment and transport, South Australians aren’t covered by Medicare. And although life in SA is pretty great, with the hustle and bustle of Adelaide and the natural beauty of the Barossa, it’s important to consider your options when it comes to emergency Ambulance Cover.¹SA Ambulance Service – Ambulance Cover 

This means that if you ever need an ambulance for an accident or emergency, you could be left with a hefty bill. Fortunately, Ambulance Cover is available in South Australia to help cover some of these costs.

How does SA Ambulance Cover work?

The SA Ambulance Service provides emergency ambulance attendance, treatment and transport – which can include non-urgent transport to all South Australians. The service answered more than 300,000 calls in 2022-2023,²SA Ambulance Service – 2022-2023 Annual Report (Page 14)  including around 837 triple zero (000) calls every day.³As above (Page 13)  

The SA Ambulance Service offers Ambulance cover as a tiered scheme. Standard Ambulance Cover protects you for any emergencies within South Australia, or you can opt to add interstate coverage for an additional $17.50 per year for singles, or $34.75 per year for families.⁴SA Ambulance Service – Ambulance Cover 

Helpful Tip:

If you’re young and healthy, you might think Ambulance Cover is not for you. The truth is that accidents and illnesses can happen to anyone. Hopefully, you’ll never experience a medical emergency; but, if you do, then Ambulance Cover might spare you from unexpected stress and expenses.

Dr. Jill Gamberg

GP, Coach and Lifestyle Medicine Coach

What does Ambulance Cover cost in SA?

If you are without Ambulance Cover, and living in South Australia, calling out an ambulance comes with a hefty fee. But with the right kind of cover you may avoid having to fork out hundreds (or even thousands) of dollars for a single trip to the hospital. 
 
So how much can you save? Well, let’s compare the cost of a single ambulance trip with the cost of cover from the SA Ambulance Service:⁵As above 

When you take out Ambulance Cover with the SA Ambulance Service, the amount you pay will also be determined by the type of cover you choose. For instance:⁶As above

You might be able to find Ambulance Cover from a Private Health insurer at an even lower cost each year. However, before you do, be sure to check out the policy brochure. This document will let you know if there’s a limit to the amount you can claim, number of claims you can make per year, whether non-emergency trips are covered and whether you can make a claim for interstate transport. 

What does SA Ambulance Cover include?

Standard Ambulance Cover with the SA Ambulance Service includes all emergency and non-emergency ambulance attendance within South Australia for permanent SA residents. Members are covered from the day after the date of joining for emergency transport, and two months after the date of joining for non-emergency transport.

How do I know if my Health Insurance policy includes Ambulance Cover?

Each health fund treats Ambulance Cover a little differently, which means that even if you have private Health Insurance, your policy might not cover ambulance services. Some policies will only cover you and your family for emergency ambulance services, which doesn’t include patient transport that’s classified as “non-emergency”, such as clinically required transfers between medical facilities or trips to undergo medical testing or treatment. 

If you’re unsure about whether your private Health Insurance policy includes Ambulance Cover, we recommend that you contact your health fund directly to check if you’re covered, and your level of cover.

What if my Health Insurance policy only covers emergency transport?

If your private Health Insurance policy only covers you for emergency treatment and transport, you will more than likely still be required to pay for any non-emergency ambulance transport. 

Did You Know?

Around a third of all ambulance transport provided by the SA Ambulance Service is classified as non-emergency,⁷ SA Ambulance Service – Ambulance Cover Extras and the cost of non-emergency transport starts from $254 per trip plus $6.50 (cost per km).⁸SA Ambulance Service – Fees and charges

In such cases, the SA Ambulance Service also offers Ambulance Cover Extras. Unlike the standard cover they offer, this only provides cover for clinically necessary non-emergency transport, though the two-month waiting period still applies.⁹SA Ambulance Service – Ambulance Cover  

Ambulance Cover Extras is charged at $25.25 per year for singles and $51.50 for families.¹⁰SA Ambulance Service – Ambulance Cover Extras To add interstate non-emergency cover to your Ambulance Cover Extras membership is an additional $17.50 for singles and $34.75 for families.¹¹As above 

Do pensioners need Ambulance Cover in SA?

Yes, pensioners living in South Australia should organise for Ambulance Cover through their private health fund or directly with the SA Ambulance Service. Pensioners receive discounted membership with the SA Ambulance Service, from $58 for singles and $115 for pensioner families.¹²SA Ambulance Service – Ambulance Cover  

Department of Veterans’ Affairs Health Card holders are also covered for ambulance services in every state of Australia by the Department of Veterans’ Affairs. However, keep in mind that restrictions and conditions may apply.

Not sure whether you need Ambulance Cover?

Understanding how Ambulance Cover is treated in your state can be tricky. If you’d like to learn more about purchasing Ambulance Cover as part of your Private Health Insurance feel free to call us on 1800 784 772.