It's all state-based. I'm in Victoria. I have PHI which covers ambulance (and I should know, I've used it about six times in the last four years!!!) But I also have ambulance cover, independently of my PHI. It's about $120 a year for families. (I think it's $80 or so for singles).

I see it as a "donation" to a well-deserving cause. Ambos are underpaid, overworked and underappreciated (IMHO) especially by the government. I have always really appreciated the ambos (particularly the good looking ones) who have helped me and my sons.