Mildura Health Insurance

Seeking health insurance? Mildura District Hospital Fund has been serving Australians for 90 years.

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The Mildura District Hospital Fund, or Mildura Health Fund, offers basic and comprehensive hospital cover at 435 hospitals Australia-wide. If you're able to be treated at the Mildura Health Private Hospital, you'll be able to receive no-gap treatment and high levels of cover for a wide range of health services.

Top 3 features
  1. Good for if you are able to access health care at Mildura Health Private Hospital.
  2. Good for young people 25 and under, who can save up to 10% on their premiums until they're 41.
  3. Beware of the extras plans - many benefits are quite small on the lower tiers.

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Who is the Mildura Health Fund?

The Mildura Health Fund (MHF), also known as the Mildura District Health Fund, is a not-for-profit regional fund which has been operating since 1929. They serve 34,000 members and offer no gap medical benefits to anyone who is treated at the Mildura Health Private Hospital.

What health insurance options are available?

Hospital cover

  • Basic Plus Benefits. MHF's most basic level of cover, this will allow you shared room accommodation as a private patient in a public hospital, and allow you to choose what doctor or specialist treats you. If you end up being treated in a private hospital, you will only be given restricted benefits, potentially leaving you with substantial out-of-pocket costs.
  • Five Star Gold Benefits. This is MHF's premium cover option, allowing you 100% cover for shared or private accommodation, theatre costs and intensive care procedures. It has a flexible excess with five options between $0 - $750 allowing you to adjust your premium as desired.

Extras cover

  • Dental. This option provides gap-free preventative dental cover, and also some cover for general dental, orthodontics and major dental work.
  • Base extras. This is an entry-level extras plan, offering small benefits for physiotherapy, podiatry, chiropractic, optical, eye therapy, some health aids and appliances, and more.
  • Mid extras. This mid-level extras package offers larger benefits for the same treatments as Base extras, but adds some cover for natural therapies, clinical psychology, home nursing, pharmacy, and more.
  • Five star. MHF's most comprehensive extras cover, this provides even larger benefits on services than Mid extras, and Health Management Benefits, with some cover for fitness programs like swimming lessons, weight loss programs and so forth. It also has significantly increased dental benefits.

Information on tiers

Last year, the government introduced four new tiers of health care: Basic, Bronze, Silver and Gold. This system is designed to standardise what is offered in each tier, so customers can be more sure of what they're getting with basic requirements laid down. Consumers should have access to greater choice and more flexibility on what they're looking for.

Young people discount

Mildura Health Fund offers a discount to young people aged 18-29 to encourage them to take out cover early and maintain it. It's a 10% discount for anyone aged 18-25 who takes out their Five Star Gold hospital cover, with the discount reducing by 2% for each year older than 25 you are.

So long as you remain on eligible hospital cover, you will retain whatever discount you were initially given until you are 41 years old. At that point, your discount will reduce by 2% per year until it reaches zero.

Member offers

There are a few benefits that Mildura Health Fund offers to its members. These include:

  • Member's discount. Members who pay their premiums by direct debit receive a 2.5% discount on their premiums.
  • No-gap providers. Mildura Health Fund has a list of no-gap providers who operate at the Mildura Health Private Hospital. If you are treated by them, you'll be completely covered by MHF for your treatment.
  • Dependants cover. Children will be covered on a family membership until they turn 21 years old, and full-time students can receive cover until they turn 24.

How to make a claim

Making a claim with Mildura Health Fund is designed to be easy:

  • For extras claims. Simply swipe your membership card at recognised health providers and receive your benefit immediately.
  • For other claims. If you can't process a claim by card, you also have the option of lodging via the MHF mobile app, or by filling out a claim form, attaching the proper supporting documentation, and emailing or mailing the form to MHF.

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8 Responses

    Default Gravatar
    JennySeptember 30, 2018

    My son needs a quote for health insurance. Basic cover for doc and private hospital. Has existing ailment. Payment by direct debit fortnightly. Also, quote for family cover with the above conditions. But he has the existing condition.

      Avatarfinder Customer Care
      JhezOctober 2, 2018Staff

      Hi Jenny,

      Thank you for your comment.

      If you’re referring to getting a quote from Mildura, Finder does not currently have access to this health insurance brand so you may need to visit their website directly to get a quote.

      Regarding family health insurance with hospital cover, you can fill out our family health insurance form and click “Search Policies” to compare policies with these covers.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.


    Default Gravatar
    MARGARETMay 15, 2018


      Avatarfinder Customer Care
      JhezMay 16, 2018Staff

      Hello Margaret,

      Thank you for your comment.

      Upon checking, podiatry is covered under H4 Five Star Hospital Benefits. This is Mildura’s most comprehensive hospital cover. To verify more details, you’re advised to contact the insurer directly.


    Default Gravatar
    FrankMarch 22, 2017

    Do I need to live in the Mildura area to be covered by MDHF?

      Avatarfinder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Frank,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Mildura Health Fund. Mildura Health Fund is not currently one of the brands in our panel of health insurers so you will need to contact them directly.

      While anyone is free to join Mildura, you may need to fill out certain forms in person.


    Default Gravatar
    wernerOctober 4, 2015

    what hospitals in victoria
    does mildura health provide cover for


      Avatarfinder Customer Care
      RichardOctober 6, 2015Staff

      Hi Werner,

      Thanks for your question. is a financial comparison service and not an insurer. Mildura Health has extensive nationwide hospital agreements and its own private hospital.

      I hope this was helpful,

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