Ambulance bill may lead to heart attack

There is a shocking lack of knowledge about the cost of a medical emergency, writes Tim McIntyre

YOUR next hospital visit could cost you thousands of dollars before you even get there, but most Aussies have no idea what ambulance rides actually cost.

Queenslanders and Tasmanians get free ambulance rides, but everyone else will need insurance cover – or deep pockets – in case of emergency.

A survey of 1500 Australians, commissioned by comparethemarket.com.au, revealed 25 per cent of respondents worryingly believed ambulance rides were free for “all emergencies, across all states”.

A further 24 per cent estimated the costs to be less than a third of what they actually are, which meant that all up, 49 per cent of Aussies were in the dark.

The results surprised Comparethemarket.com.au spokeswoman Abigail Koch.

“People are often unaware because they use them so rarely,” she said. “But it’s worth being aware.”

Victorian ambulance rides attract a standard cost of $1204, yet 37 per cent of Victorians believed trips were free or under $300 .

Western Australians face a flat fee of $949, while other states charge initial callout fees and then distance-based extra charges.

In South Australia, it’s $955, plus $5.50/ km, while the ACT call-out is $936, then $12/km for travel outside of the ACT. NSW ambulances cost $372, plus $3.35/km, capped at $6095.

Surprisingly, in NSW, 46 per cent thought ambulance rides were free or under $300.

“An ambulance is the busiest and most expensive taxi ride we’ll ever take,” Ms Koch said. “It is vital Australians are covered for ambulance costs to avoid being stung with exorbitant medical bills.” The take-up of private health in Australia means many are already covered, but it’s important to check that cover suits individual needs. “Check whether you’re covered if you need an ambulance when interstate; whether callout fees are covered and whether co-payments are required or waiting periods apply,” Ms Koch said. “Also check nonemergency cover . . . You are given a code by paramedics to decide whether something is emergency or non-emergency and you can choose to pay the call-out fee but not take the ambulance.”

Ambulance cover is also available as a stand-alone insurance for those without private health.

“The best plans I’ve seen cost around $1 a week, but you get what you pay for,” Ms Koch said.

High ambulance costs should not deter people from seeking help in emergencies, said Lorraine Thomas, head of product at insurer HCF.

“If you are in a medical situation you don’t hesitate to call an ambulance . . . people aren’t and shouldn’t be thinking about the potential cost,” Ms Thomas said.

“Insurance means that you have peace of mind when you need help.

“Just like any type of insurance, it’s important to know what you are covered for, so talk to your health fund, ask questions and make sure you understand your policy.”