Joining FAQs | Emergency Services Health

Emergency Services Health is open to anyone currently or previously working or volunteering in Emergency Services or the Health and Medical Field.

Emergency Services and First Responders

Ambulance and Paramedics
State Emergency Services
Firefighting
Surf Life Saving
Police Officers
Union or Associated Employees

Health and Medical Professionals

Allied Health
Medical Centre and Hospital Staff
Doctors
Nurses & Midwives
Medical Supplies
Union or Associated Employees

In addition, eligibility also extends to the following close relations of the above:

partners, including spouse or defacto
former partners
dependent and adult children (including the partners and dependent children of the adult children)
siblings (including a sibling's partner/spouse, a sibling's dependent child)
parents
grandchildren

Contact us if you are uncertain about your eligibility – we’d be happy to help!

Let us do the hard work. Our health insurance experts are ready to put together a personalised health insurance comparison for you, to show you how we stack up against any other cover on the market in terms of both price and benefits. Let us know who'd you'd like to compare against, or simply request a comparison against the other most popular options available, and we'll do the rest. Call us on 1300 703 703 or complete our online form.

You won’t need to re-serve waiting periods that you’ve already served with your old fund if you switch to Emergency Services Health.

If you’re transferring from another health insurer, we offer continuity of cover which means you won’t serve the same Waiting Periods twice. However, if you’re transferring to us from a lower level of cover, you’ll only be able to claim up to the level you were already covered for until you have served the Waiting Period.

Example:

Sue decides to switch her Gold hospital cover to Police Health. Sue has a $500 Excess that currently applies to claims under her previous policy. As she has served all Gold Hospital Waiting Periods with her current fund she only has to serve Waiting Periods for the level of extra cover provided by her new Police Health policy – in Sue’s case the $500 excess. She receives immediate cover on all other aspects of her Police Health hospital policy.

Yes you can still take out a policy with Emergency Services Health, but you will need to serve a 12 month waiting period for pre-exisiting conditions. This does not apply for psychiatric care, rehabilitation or palliative care.

A pre-existing condition is one where signs or symptoms of your ailment, illness or condition existed at any time during the six months preceding the day on which you purchased your insurance or upgraded to a higher level of cover.

A medical practitioner appointed by Emergency Services Health (not your own doctor) is the only person authorised to decide that a condition is pre-existing. The practitioner must, however, consider any information regarding signs and symptoms provided by your own treating doctor or specialist.

Further information on waiting periods for pre-existing conditions

Your cover will start as soon as your application has been approved and relevant premiums are paid. Waiting periods may apply so check how this might affect your membership before you join.

A Waiting Period is the period of time you need to be covered before you’re eligible to claim on certain procedures or services. Waiting Periods apply to new or upgraded policies, but if you're switching to Emergency Services Health you won’t need to re-serve waiting periods that you’ve already served with your old fund. Our standard Waiting Periods are as follows:

Waiting Periods for Hospital

2 months membership for all benefits, excluding accidents.
12 months membership for pregnancy and birth related (obstetrics) treatment.
12 months membership for pre-existing conditions, excluding psychiatric care, rehabilitation or palliative care.
12 months membership for continuous positive air pressure (CPAP) machines, and goods and services under Non-surgically Implanted Items and Appliances and other aids and appliances, travel and accommodation (general treatment) and home nursing.

Waiting Periods for Extras

2 months membership for all benefits, excluding accidents.
12 months membership for Major Dental (such as crowns, bridges, inlays, indirect fillings and dentures), orthodontic, hearing aids, nebulisers, blood glucose and blood pressure monitors, blood coagulation monitor and for pre existing conditions.
12 months membership for Rollover Benefit and access to Rollover Maximum (2 years for Major Dental).

Waiting Periods for Combined cover (in addition to the above)

3 years membership for corrective laser eye surgery.

Lodging claims with Emergency Services Health is easy:

Claim on the spot with your membership card
Take a photo using our App
Submit a claim via our website
Download a claim form to email us