In VIC this policy provides:
Emergency: Unlimited with a waiting period of 7 days.
Non-emergency: Unlimited transport with a waiting period of 30 days.
Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.
Other features of this ambulance cover:
Emergency ambulance provides full cover for emergency treatment and urgent ambulance transport (by road) within Australia by a State Government ambulance provider or an HBF approved ambulance provider. Non-emergency ambulance services include transport from home to the hospital and transfers between hospitals. Services not covered include air ambulance services, transport between a public hospital to your home and transport not provided in an ambulance.
For further information about this policy see: http://www.hbf.com.au/health-insurance/ambulance-cover.html