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Widow warns of shock ambulance bill after husband's unexpected death
(www.abc.net.au)
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Agreed. Looks like a deceased member is a grey area. If a medical practitioner calls the ambulance then you're covered, if you call it could be at your expense. Note this is for Ambulance Victoria and could be different in other places.
https://membership.ambulance.vic.gov.au/faqdetails?id=KA-01025