CHOICE membership

Do you need accident or ambulance insurance?


We’ve taken a look at accident or ambulance health insurance to examine whether the policies provide good value. We also indicate the best basic hospital policies with accident cover for those that decide this type of cover is suitable for their needs.

Ask a question below or read more here:


Updated health insurance for accidents information for 2018:


With ‘non junque’ policies that do not include ambulance (Vic) many if not most or all will reimburse the annual ambulance membership as a routine claim. I rarely see that mentioned in reviews.


For Queensland permanent residents:


If you travel or live ‘outback’ it’s wise to know what you are entitled to with regard to Royal Flying Doctor Service (RFDS) and possibly other airborne medical services in other parts - it’s an amazing service, but could set you back if you need to be transported out of a regional location - there’s an old saying in the Red Centre - “when in pain, take the plane”. It’s not uncommon to fly people 1500 km’s for treatment once stable, as good as our local services are.