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.

No reviews yet. Write a review
Nicola Middlemiss's headshot

By

Nicola Middlemiss

Updated

Fact checked
Mildura Health Fund

Start comparing

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
Updated regularly
Name Product Treatments Price Apply Hide Compare
Basic Plus - H1 + Base Extras - A
Basic Plus$750 excess
Mildura Health Fund logo
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
Basic Plus - H1 + Mid Extras - A1
Basic Plus$750 excess
Mildura Health Fund logo
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
Basic Plus - H1 + Dental - D
Basic Plus$750 excess
Mildura Health Fund logo
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
Basic Plus - H1 + Base Extras and Dental - AD
Basic Plus$750 excess
Mildura Health Fund logo
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
Basic Plus - H1 + Mid Extras and Dental - A1D
Basic Plus$750 excess
Mildura Health Fund logo
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
Five Star Gold $750 Excess - F4 + Base Extras - A
Gold$750 excess
Mildura Health Fund logo
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
Basic Plus - H1 + Five Star Extras - E1
Basic Plus$750 excess
Mildura Health Fund logo
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
Five Star Gold $750 Excess - F4 + Mid Extras - A1
Gold$750 excess
Mildura Health Fund logo
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
Five Star Gold $750 Excess - F4 + Dental - D
Gold$750 excess
Mildura Health Fund logo
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
Five Star Gold $750 Excess - F4 + Base Extras and Dental - AD
Gold$750 excess
Mildura Health Fund logo
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
loading
1 - 2 of 2
Updated regularly
Name Product Treatments Price Apply Hide Compare
Basic Plus - H1
Basic Plus$750 excess
Mildura Health Fund logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$114.78
per month
All treatments
Five Star Gold $750 Excess - F4
Gold$750 excess
Mildura Health Fund logo
  • 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
loading
1 - 6 of 6
Updated regularly
Name Product Treatments Price Apply Hide Compare
Base Extras - A
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +3 other treatments covered
$12.18
per month
All treatments
Mid Extras - A1
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +4 other treatments covered
$25.22
per month
All treatments
Dental - D
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +2 other treatments covered
$28.91
per month
All treatments
Base Extras and Dental - AD
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +5 other treatments covered
$41.09
per month
All treatments
Mid Extras and Dental - A1D
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +6 other treatments covered
$54.13
per month
All treatments
Five Star Extras - E1
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
    • +6 other treatments covered
$81.50
per month
All treatments
loading

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

Nicola Middlemiss's headshot
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

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.
  • Peoplecare health insurance review

    Peoplecare Health Insurance is an award-winning insurer that prides itself on service. Here are the hospital and extras policies available.
  • 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.

  • Medicinal cannabis in Australia

    You can now get CBD oil in Australia without a prescription.
  • 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 waiting periods

    It's not possible to skip waiting periods for health insurance but there are exceptions.
  • 2025 Health Insurance Statistics

    We looked at the statistics to see whether Australians really are ditching their private health insurance.
  • 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.
Go to site