For background Choice has the following advice.
Specific to NSW, ambulance cover is only available through a health insurance policy. Choice noted both BUPA and Medibank offer Ambulance only policies for NSW if you are looking for options.
The following product focused guide provides a very easy to follow summary for all states. Queenslanders have the best outcome. Why the other states can’t meet the same standard, seems rather petty. Or should the Federal Govt cover all under Medicare party politics put aside? Something that should be universal for emergency transport and treatment.
The separate Choice review of the cheapest health cover said this about Frank.
The purpose of the review by Choice - “The cheapest basic health insurance policies to save on tax.”
Cover : Does not provide any cover in private hospital, but covers a range of services in public hospital and provides emergency ambulance cover (as do all ACT/NSW hospital policies.
Risks : You have to serve public hospital waiting lists and may receive the same treatment as public patients.
Recommended for health cover? No
@UtaMihm may be able to clarify further.