Who owns Mildura Health Fund?

Mildura Health Fund is a not-for-profit, member-owned regional health fund which has been operating since 1929.

Do you have to live in Mildura to be a member of Mildura Health Fund?

No, you don't have to live in Mildura. In fact, Mildura has agreements with over 445 private hospitals around the country.

Does Mildura Health Fund have an app?

Yes, Mildura Health Fund has an app available on both Apple and Android .

Mildura Health Fund Review

Join

No reviews yet. Write a review

Pros

No excess for day procedures at the Mildura Health Private Hospital
Mildura scored 99% on its member satisfaction survey
Mildura is not-for-profit, which helps to keep premiums competitive

Cons

With only two levels of hospital cover, options are limited
No excess for day procedures only applies at one hospital
Two popular levels of hospital cover - bronze and silver - aren't available

Overview of who the Mildura policies may be good for

Mildura Health Fund is good if:

You live near or in Mildura, Victoria. There's no excess on day procedures at Mildura Private Hospital and you can see a range of specialists without having to pay a gap fee.
You want affordable premiums. Mildura is a not-for-profit, which helps keep premiums affordable in comparison to other health insurers. Basic plus hospital cover costs around $112 a month and gold cover costs around $170 a month.

Mildura Health Fund is not great if:

You like to have lots of options. Mildura only offers two hospital policies and three extras policies. In comparison, Medibank has nine hospital policies and five extras policies.
You want a middle-of-the-road hospital policy. You can only get basic plus or gold hospital cover. Bronze and silver policies aren't available.

Keep in mind, the best health insurance for you will depend on a range of factors so it's good to research a few options.

What types of health insurance does Mildura offer

1 - 10 of 12

Name	Treatments	Price	Apply
Basic Plus - H1 + Base Extras - A Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$126.96 per month	All treatments Compare	loading Fetching your data...
Basic Plus - H1 + Mid Extras - A1 Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +8 other treatments covered	$140.00 per month	All treatments Compare	loading Fetching your data...
Basic Plus - H1 + Dental - D Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$143.70 per month	All treatments Compare	loading Fetching your data...
Basic Plus - H1 + Base Extras and Dental - AD Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$155.87 per month	All treatments Compare	loading Fetching your data...
Basic Plus - H1 + Mid Extras and Dental - A1D Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$168.92 per month	All treatments Compare	loading Fetching your data...
Five Star Gold $750 Excess - F4 + Base Extras - A Gold$750 excess	Hospital Cataracts Joint replacements Palliative care Pregnancy and birth +34 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$190.14 per month	All treatments Compare	loading Fetching your data...
Basic Plus - H1 + Five Star Extras - E1 Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$196.28 per month	All treatments Compare	loading Fetching your data...
Five Star Gold $750 Excess - F4 + Mid Extras - A1 Gold$750 excess	Hospital Cataracts Joint replacements Palliative care Pregnancy and birth +34 other treatments covered Extras General dental Major dental Optical Hearing aids +8 other treatments covered	$203.18 per month	All treatments Compare	loading Fetching your data...
Five Star Gold $750 Excess - F4 + Dental - D Gold$750 excess	Hospital Cataracts Joint replacements Palliative care Pregnancy and birth +34 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$206.88 per month	All treatments Compare	loading Fetching your data...
Five Star Gold $750 Excess - F4 + Base Extras and Dental - AD Gold$750 excess	Hospital Cataracts Joint replacements Palliative care Pregnancy and birth +34 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$219.05 per month	All treatments Compare	loading Fetching your data...

1 - 2 of 2

Name	Product	Treatments	Price	Apply	Hide Compare
Basic Plus - H1 Basic Plus$750 excess		Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$114.78 per month	All treatments Compare		loading Fetching your data...
Five Star Gold $750 Excess - F4 Gold$750 excess		Cataracts Joint replacements Palliative care Pregnancy and birth Sleep studies Weight loss surgery Rehabilitation Insulin pumps +30 other treatments covered	$177.96 per month	All treatments Compare		loading Fetching your data...

1 - 6 of 6

Name	Treatments	Price	Apply
Base Extras - A Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$12.18 per month	All treatments Compare	loading Fetching your data...
Mid Extras - A1 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$25.22 per month	All treatments Compare	loading Fetching your data...
Dental - D Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$28.91 per month	All treatments Compare	loading Fetching your data...
Base Extras and Dental - AD Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$41.09 per month	All treatments Compare	loading Fetching your data...
Mid Extras and Dental - A1D Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$54.13 per month	All treatments Compare	loading Fetching your data...
Five Star Extras - E1 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$81.50 per month	All treatments Compare	loading Fetching your data...

Mildura Health Fund insurance complaints

The 2023 Private Health Insurance Ombudsman State of the Health Funds Report gives us an overview of complaints against health funds. Here's how Mildura stacked up.

With a 0.3% market share, Mildura received less than 0.1% of complaints.
Mildura had lots of happy customers, achieving a 91.5% retention rate on hospital cover.

FAQs

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 243 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

More resources on Finder

AAMI Health Insurance review Territory Health Fund Insurance

More guides on Finder

Qantas Health Insurance review
Qantas policies are on the more affordable end of the spectrum, and its Silver Hospital policy was commended in our 2024 Health Insurance Awards.
ahm health insurance review
ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.
Medibank health insurance review
With reasonable prices and strong benefits, several Medibank policies were highly commended in the 2024 Finder Health Insurance Awards.
The best health insurance you’ll find down under
Our experts compared 40+ funds and analysed hundreds of policies to help you find the best health insurance.
Ambulance cover in Australia
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
Multi-policy insurance discounts
What are multi-policy discounts and how can they help you save money on your insurance premiums? Find out in this handy guide.
Health insurance and mental health
Mental health issues are serious and can be costly, which is why Australian health funds are legally obligated to offer cover for treatment.
How much does private health insurance cost?
What does private health insurance typically cost? Our comprehensive guide will tell you.
Singles Health Insurance
There are a number of reasons why taking out private health cover now rather than later can be a smart thing for singles to do.
Cheap health insurance – 5 expert picks
Learn how to get cheap health insurance and what you can expect for your money.

Go to site

Mildura Health Fund review

The regional health fund has limited choice, with only two levels of hospital cover. But, it does offer some impressive perks too.

Pros

Cons