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State guides
What differs by state for private health insurance: ambulance charges, public hospital waits and the local funds worth knowing about.
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Recent guides from other topics.
Until the first guides here are published, these are the newest on the site.
Ambulance-only cover: which funds sell it and what it costs
Ambulance-only cover costs a single A$47.40 to A$138 a year before the rebate in 2026–27. 31 policy statements by state, with waits, limits and the MLS rule.
Ambulance by stateAmbulance cover for pensioners and concession card holders
A Pensioner Concession Card gets a free emergency ambulance in 6 of 8 states in 2026–27. Which cards count, the SA and WA exceptions, and interstate rules.
Ambulance by stateHow much does an ambulance cost without cover?
An uninsured resident's ambulance bill runs from A$131 to A$13,175 in 2026–27. Treat-only, non-emergency and air fees by state, and what if you cannot pay.
Extras & limitsDental cover with no waiting period: the 11 policies and 4 offers, checked 8 November 2026
11 of 166 NSW extras policies let you claim a dental check-up with no wait on 8 Nov 2026. Which ones, which offers waive it, and why crowns wait 12 months.
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