Private health insurance provides access to private hospitals, tailored extras, and faster treatment options that may not always be available in the public system. With private health cover, you have greater flexibility in choosing your healthcare providers and can access essential services, including ambulance insurance.

Many people assume that ambulance services are free, but in most Australian states, emergency transport incurs a significant cost. Having health insurance with ambulance cover ensures you’re protected from unexpected expenses, whether it’s an emergency or non-emergency situation.

Phoenix Health offers hospital and extras cover, including benefits for dental, optical, physiotherapy, and elective surgery. All our hospital covers include comprehensive ambulance cover, ensuring you’re protected in case of an emergency.

Yes! All Phoenix Health hospital covers include comprehensive ambulance cover, providing nationwide coverage for both:

~ Emergency ambulance transport – If you need urgent medical care, you won’t be left with a costly bill.

~ Non-emergency transport – Covers medically necessary transport for treatments or hospital transfers.

Without ambulance insurance, a single ambulance trip can cost hundreds or even thousands of dollars, depending on where you live and the type of transport required. Having health insurance with ambulance cover means you won’t have to worry about these expenses.

The cost of ambulance cover only varies across different Australian states, as each state has its own ambulance service fees. In some states, residents receive government-subsidised ambulance services, while in others, you must pay for every trip if you don’t have ambulance insurance.

With Phoenix Health, all hospital policies include ambulance cover at no additional cost, giving you greater value compared to standalone ambulance subscriptions.

Waiting periods depend on the type of cover you select. Generally, they include:

~ 12 months for pre-existing conditions

~ 2 months for general hospital benefits

~ Shorter waiting periods for extras services like dental and optical

If you’re switching from another health fund with the same level of cover, Phoenix Health recognises waiting periods already served, so you won’t have to start over. Learn more about waiting periods.

Many Australians assume they need a separate state-based ambulance subscription, but with Phoenix Health, comprehensive ambulance cover is already included in all hospital policies, eliminating the need for standalone ambulance insurance.

Here’s how Phoenix Health’s ambulance cover compares to a state ambulance subscription:

Unlike state ambulance subscriptions, which often only cover services within a specific state, Phoenix Health’s ambulance cover ensures you and your family are protected Australia-wide, whether you’re at home, traveling, or relocating.

For those seeking the best health insurance ambulance cover, choosing Phoenix Health means full ambulance protection is already built into your policy—without the need for extra payments or separate subscriptions.