Who is Emergency Services Health?
Emergency Services Health is a restricted membership nonprofit health fund started by Police Health. It’s primarily for those who work and volunteer to protect the community including fire, state emergency, ambulance, medical response and recovery, and water response and recovery sectors. Emergency Services Health is part of Members Health, an alliance of nonprofit and mutual health funds.
Phone: 1300 703 703
Website: eshealth.com.au
Does Emergency Services Health get many complaints from members?
Emergency Services Health is a newcomer to the market, and doesn’t have enough members for us to accurately calculate a complaints rating. We use the complaints rating of its parent fund, Police Health.
Emergency Services Health has a Medium complaints rating.
When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don’t get automatically penalised for having more complaints.The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
How good is Emergency Services Health’s gap cover?
A medical gap is the difference between Medicare’s recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called ‘no gap agreements’, or part of that gap, which are called ‘known gap agreements’ (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
Rating scale
- Well above average
- Above average
- Average
- Below average
- Well below average
Australian Capital Territory
Average.
New South Wales
Below average.
Northern Territory
Average.
Queensland
Average.
South Australia
Average.
Tasmania
Average.
Victoria
Average.
Western Australia
Average.
How many hospital agreements does Emergency Services Health have in each state?
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you’re treated.
The table below shows how many hospital agreements Emergency Services Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don’t have agreements with specific funds and are generally treated as though they’re agreement hospitals.
Emergency Services Health hospital agreements
In the Australia Capital Territory this fund has…
5 private hospital agreements out of an industry maximum of 6.
8 day hospital agreements out of an industry maximum of 9.
In New South Wales this fund has…
88 private hospital agreements out of an industry maximum of 92.
90 day hospital agreements out of an industry maximum of 105.
In the Northern Territory this fund has…
1 private hospital agreement out of an industry maximum of 1.
2 day hospital agreements out of an industry maximum of 2.
In Queensland this fund has…
50 private hospital agreements out of an industry maximum of 58.
46 day hospital agreements out of an industry maximum of 54.
In South Australia this fund has…
19 private hospital agreements out of an industry maximum of 20.
25 day hospital agreements out of an industry maximum of 31.
In Tasmania this fund has…
8 private hospital agreements out of an industry maximum of 8.
4 day hospital agreements out of an industry maximum of 9.
In Victoria this fund has…
69 private hospital agreements out of an industry maximum of 71.
70 day hospital agreements out of an industry maximum of 80.
In Western Australia this fund has…
21 private hospital agreements out of an industry maximum of 23.
20 day hospital agreements out of an industry maximum of 29.
Does Emergency Services Health offer any discounts?
Discount for direct debit: None
Discount for annual prepay: 3%
Youth discounts: None
Does Emergency Services Health offer ambulance cover?
Yes, all Emergency Services Health extras, hospital and combined policies have emergency ambulance cover.
Depending on where you live, you may not need a policy with ambulance cover.
- Queensland and Tasmania: Emergency ambulance services are covered by the state government.
- New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
- South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
- Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
- Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Does Emergency Services Health offer family policies that cover adult children?
- Adult children are covered on family policies for free until they turn 21.
- Full-time students are covered on family policies for free until they turn 32.
- Adult children younger than 25 can be covered on extended family policies for an extra cost.
Does Emergency Services Health let you claim online or in-app?
There is no online claiming, but you can claim extras services via an app (iOS and Android).
