Is it just in SA that you need to types of Ambulance Insurances? Even if you have Ambulance cover through your Health Fund, that only covers you for emergencies. If you need to be moved from 1 Hospital to another (not necessarily your choice - eg you need specialised xrays etc from another Hospital) then you need separate Ambulance cover for that, and the Health Funds dont provide it.
In SA, we had the ridiculous situation a few weeks ago where someone who had Ambulance cover through his Health Fund for emergency purposes, called an ambulance for what most people considered to be an emergency - he had broken his leg. (Health Funds in SA will only cover you if it is an emergency). He does not receive any pensions from the Government. He also had Insurance through the Ambulance (this is additional to Health Insurance cover) for non-emergency treatments.
He needed to be transferred to another Hospital after initial treatment, for surgery I think.
Well, the Health Fund refused to pay for his transport from the first Hospital to the second Hospital - because it was no longer an emergency from their definition; and the Ambulance Insurance would not cover him for the transport from the first Hospital to the second Hospital because they did consider it to be an emergency because the first Hospital couldnt provide the treatment he needed, and they considered it to be all part of the first 'emergency service', so they said the Health Fund should pay both trips. He got stuck with the Bill, and this could happen to anyone regardkess of their Insurance cover.
Maybe he should have OD'd and not had to deal with all this!