
Originally Posted by
Grumbles
Perhaps don't rely on your health fund for coverage - it can be limited cover only. Vic Ambulance charges $96.70 for one year family coverage. Cheap as considering the potential outlays.
Most Health Funds that offer Ambulance Transport Cover tell you that you are covered for an "Emergency" and yes you are, but not all ambulance transports are deemed as "urgent" so beware.
Example:
Travelling up the bush somewhere, fall over at camp and bust your leg, ambulance called and transports you to the local hospital for treatment.
Doc or nursing staff treat you in outpatients at the local bush hospital, stabilise you, give you some adequate pain relief, maybe x-ray your leg if they have the facilities. They may even keep you in ED/Outpatients overnight, but your not admitted as an inpatient.
Then it's off to a larger or major hospital 2-300 kays away for further treatment, and get the limb set, plastered, etc,
This is the bit that hurts, Non Emergency transport, the "Meter" is running....$$$$$$
At the next hospital the same situation could occur, a better Scan or X-Ray reveals its a tricky fracture, local Doc's not confident in playing with it, refers you on to a larger hospital where there is an Orthopedic Surgeon, so its off you go in the ambulance or maybe even the air ambulance this time if its hundreds of kays.
The meters rolling again $$$$$$.
Finally you get to your destination, the whole time you have not been an inpatient of a hospital, so they are not responsible for the account as its not regarded as an inter-hospital transfer. Only the primary transport was an emergency, for the rest you have been stable, just getting transferred for better care on a non urgent basis.
Don't get caught, cover your butt and "pay" your own ambulance subscription, otherwise it can end in tears, and very expensive tears at that.
Pensioners are covered in the state that they live in, and sometimes Australia wide, but over the years this has varied, so it pays to check if you are going travelling interstate.
Ambulance subscription/cover is one of the cheapest insurances you will ever get.
To be certain, check that your ambulance subscription covers you for ambulance transport Australia wide.
Last thing you need while your getting over some sort of misfortune, is for the Postie to drop a $10,000 "Blister" in your mail box.
Cheers, Mick.
1974 S3 88 Holden 186.
1971 S2A 88
1971 S2A 109 6 cyl. tray back.
1964 S2A 88 "Starfire Four" engine!
1972 S3 88 x 2
1959 S2 88 ARN 111-014
1959 S2 88 ARN 111-556
1988 Perentie 110 FFR ARN 48-728 steering now KLR PAS!
REMLR 88
1969 BSA Bantam B175
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