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.

Cover based on a
aged
living in

Extras Only

With 80% back on most benefits and a unique benefit rollover, with our Extras cover you can rest assured that your supplementary health needs will be taken care of, whenever you need them.

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Hospital & Extras

It’s simple – we’ve combined our top quality hospital and extras cover to give you complete peace of mind. From the routine to the unexpected, with Gold Combined you’ll always know we’ve got your back.

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Hospital Only

If you’re just after some reliable hospital cover, our Hospital product is for you. No excesses, co-payments, exclusions or benefit limitation periods – just pick your hospital and recover.

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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.

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A Better Deal on Hospital

Emergency Services Health specialises only in Gold Tier hospital cover - for complete peace of mind.

We always have, and always will. 

Here's how we're different and why we're better...


•    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.

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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.

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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

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"I can say this is the best there is! The price is just right for what you get"

EMERGENCY SERVICES HEALTH MEMBER

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Here to help

Helpguide

FAQ: Will you pay benefits towards my Pilates treatment?

 

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Helpguide

Contracted and Recognised Hospitals

Contracted and Recognised Hospitals

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Helpguide

IVF and other Assisted Reproductive Services

Emergency Services Health's Gold Hospital and Gold Combined includes cover for in-hospital services relating to In vitro fertilis

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Helpguide

FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2019.

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Helpguide

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

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Helpguide

Benefit Statements

Just received a benefit statement from us and want to know more? Take a look at these frequently asked questions. 

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Helpguide

Non-recognised hospitals

Regrettably following negotiations, Emergency Services Health through the AHSA have been unable to reach agreement with Toowong Private Hospital on

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Helpguide

Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Helpguide

Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Helpguide

Your choice of doctor

We give you freedom to choose.

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