As a not-for-profit, everything we do is about giving back to you

Get more value and benefits from your private health insurance, without the hassle.

Did you know lodging claims with Emergency Services Health is easy? Here's everything you need to know on how to claim with our Extras and Hospital cover.

Manage your policy 24/7

COVID-19 UPDATES

An initial 4% COVID-19 DISCOUNT is being issued to all Emergency Services Health members.

Our Unique discount model also sets us up to deliver further pricing adjustments and relief initiatives relative to how this pandemic may evolve, endure and impact on our health system over time. What do our members have to do? Nothing. Your discount will be automatically applied to your policy from 13 April for an initial period of 3 months.

Stay up to date with the latest information about COVID-19 here.

Understanding our ambulance cover

Your private health insurance guide to hospital

Rollover Benefit Explained

Bushfire Relief Options for Members 

Emergency Services Health is committed to providing relief options for members who have been significantly impacted. 

Where can I claim on the spot using my member card?

We like to make claiming on your health insurance easy, and one of the easiest ways to make a claim is through HICAPS – the system that lets you swipe your Emergency Services Health membership card to make a claim on the spot. HICAPS claiming isn’t available for everything, but this handy search function will help you identify times when it likely is. 

Real-Time Travel Insurance

Emergency Services Health members have access to TravelCard Insurance.

Find out how TravelCard may help you on your travels. 

Find a Doctor - Access Gap Cover Search

Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance. We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.

You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1300 703 703 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.

Find a Contracted Hospital

Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance. We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.

You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1300 703 703 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.

Emergency Services Health Mobile Claiming App

As a member of Emergency Services Health, we’ve got your back. Our Emergency Services Health App lets you manage your health cover 24/7.

Use the app to:

  • Easily make a claim for you or your dependents

  • Access benefit limits and cover details

  • View your claims history

  • Update your contact details

Who can use the Emergency Services App?

Anyone can access general fund information via the app, but to use features relating to your membership, you must be an Emergency Services Health Member and have registered your online membership account.