The very best health cover- and a better deal than the big name providers - for our first responders
Cover like no other
Health Insurance cover from Emergency Services Health is, quite simply, better.
Simple - because we only focus on offering top cover in three, easy to understand policies.
Better - our aim is provide you and your family with much better value than top-level insurance from a big-name provider.
Our cover delivers value for money, unparalleled benefits, exceptional service and ultimate peace of mind.
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
FAQ: Will you pay benefits towards my Pilates treatment?
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 2019.
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.