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Compare Emergency Services Health health insurance

How Emergency Services Health rates for member complaints, gap cover and ambulance cover.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

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


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 Low 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

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.

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.

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). 

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.