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

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Mildura Health Fund is a not-for-profit, often providing competitive premiums, with Basic Plus hospital cover from $158.45 a month.
Mildura Health Fund offers limited hospital policies, but achieved a 91.5% hospital cover retention rate.
Mildura Health Fund has an "Excellent" complaint score and agreements with over 445 private hospitals nationally.

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 from $158.45 a month and gold cover costs from $248.55 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

10 of 12 results

Treatments	Price
Mildura Health Fund - Basic Plus - H1 + Base Extras - A Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$30.70 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Basic Plus - H1 + Mid Extras - A1 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +8 other treatments covered	$33.85 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Basic Plus - H1 + Dental - D Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$34.78 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Basic Plus - H1 + Base Extras and Dental - AD Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$37.71 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Basic Plus - H1 + Mid Extras and Dental - A1D Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$40.86 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - 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	$46.49 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Basic Plus - H1 + Five Star Extras - E1 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$47.44 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - 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	$49.64 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - 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	$50.57 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - 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	$53.50 per week	View details Compare product selectionCompare	loading

Showing 10 of 12 results

2 of 2 results

Treatments	Price
Mildura Health Fund - Basic Plus - H1 Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$27.77 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - 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	$43.56 per week	View details Compare product selectionCompare	loading

Showing 2 of 2 results

6 of 6 results

Treatments	Price
Mildura Health Fund - Base Extras - A Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$2.94 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Mid Extras - A1 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$6.08 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Dental - D Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$7.01 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Base Extras and Dental - AD Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$9.95 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Mid Extras and Dental - A1D Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$13.09 per week	View details Compare product selectionCompare	loading
Mildura Health Fund - Five Star Extras - E1 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$19.67 per week	View details Compare product selectionCompare	loading

Showing 6 of 6 results

Mildura Health Fund insurance complaints

We looked at the Commonwealth Ombudsman's 2024–25 State of the Health Funds report. Here's how Mildura Health Fund stacked up:

Mildura received 0.1% of all complaints, a third of its 0.3% share of the market.
That gives it a market-share-to-complaint ratio of 33%, among the best results of any fund, alongside St Lukes and TUH. None of its complaints needed to be investigated by the Ombudsman.

FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Mildura Health Fund website
2. 2023 Private Health Insurance Ombudsman State of the Health Funds Report

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

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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

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Nicola has written 170 Finder guides across topics including:

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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.

Key takeaways

Pros

Cons