We only offer the best- because anything less would be disservice to our first responders.
Cover like no other
Our cover is designed to be used - not for the tragic (though that's when you'll really know our worth), but for the everyday things that keep you healthy in body and mind and out there protecting the rest of us.
We're about value for money, unparalleled benefits, exceptional service and Ultimate peace of mind.
We only specialise in top level comprehensive cover to give you peace of mind and we keep it simple with three easy to choose policies.
You only have to choose one of three policies..how easy is that!
We're Australia's only health insurance group providing a rollover on your unclaimed Extras.
If you don't use it, you don't lose it!
Join Emergency Services Health, and you can carry over any unclaimed Annual Maximums on most of your extras from one calendar year to the next*
*Rollovers begin once you've complete your first 12 months membership (two years for Major Dental) Other conditions may also apply.
A Better Deal on Hospital
We're cheaper than the big brands equivalent top level, no excess, hospital policies and we offer...
• Your choice hospital, doctor or service provider, as long as they're registered and recognised by us^
• No exclusions, excesses, co-payments, or benefit restriction limits
• All in-patient procedures where Medicare pays a benefit
• 100% ambulance cover for emergency & clinically required transport or on the spot treatment.
^Services providers must be recognised by us and may be subject to waiting periods and other conditions.
Claim 80% back on Physio!
We're confident you'll love our Extras cover. It's designed exclusively for the needs of the emergency service community. Get 80% back on the majority of Extras services, up to your annual limit.*
*Waiting periods and other conditions may apply.
Comprehensive Ambulance included in policies
100% Ambulance Cover for emergency transport, clinically required non-emergency transport and treatment not requiring transport.
no excess or co-payments on any of our hospital products.
*waiting periods and other conditions may apply
"I can say this is the best there is! The price is just right for what you get"
EMERGENCY SERVICES HEALTH MEMBER
Find the right cover for you
Here to help
Contracted and Recognised Hospitals
Contracted and Recognised Hospitals
IVF and other Assisted Reproductive Services
Emergency Services Health's Lifelong Hospital and Lifelong Combined includes cover for in-hospital services relating to In vitro
FAQ: Premium Increase
Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2018.
Pregnancy and private health insurance
If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your co
Benefit Statements
Just received a benefit statement from us and want to know more? Take a look at these frequently asked questions.
Non-recognised hospitals
Regrettably following negotiations, Emergency Services Health through the AHSA have been unable to reach agreement with Toowong Private Hospital on
Pharmaceutical benefits
Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern
Benefits limit for Extras
Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.
Your choice of doctor
We give you freedom to choose.
Medicare Levy Surcharge (MLS)
Medicare Levy Surcharge (MLS) is a levy you should be aware of. Most Australian taxpayers are charged a 2% Medicare Levy.