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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.

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Mildura Health Fund

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

Name Product Treatments Price Apply Hide Compare
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$123.19
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +8 other treatments covered
$135.74
per month
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
$139.10
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$150.82
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$163.37
per month
Hospital
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • +34 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$181.69
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +10 other treatments covered
$189.84
per month
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
$194.25
per month
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
$197.60
per month
Hospital
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • +34 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$209.33
per month
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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
$111.47
per month
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$169.97
per month
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Name Product Treatments Price Apply Hide Compare
Base Extras - A
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$11.72
per month
Mid Extras - A1
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$24.28
per month
Dental - D
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$27.63
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$39.35
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$51.91
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +6 other treatments covered
$78.37
per month
loading

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Mildura Health Fund insurance complaints

The 2022 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 91.8% retention rate on hospital cover.

This chart shows the percentage of complaints received by each health fund, as well as their market share. Mildura has 0.3% market share, but doesn't even have 0.1% of complaints, which means it's receiving fewer complaints than average.

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