Finder makes money from featured partners, but editorial opinions are our own.

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
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

1 - 10 of 12
Name Product Treatments Price Apply Hide Compare
Mildura Health Fund logo
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
All treatments
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
$135.74
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
  • +4 other treatments covered
$139.10
per month
All treatments
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
$150.82
per month
All treatments
Mildura Health Fund logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +12 other treatments covered
$163.37
per month
All treatments
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
  • +4 other treatments covered
$181.69
per month
All treatments
Mildura Health Fund logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +12 other treatments covered
$189.84
per month
All treatments
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
$194.25
per month
All treatments
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
  • +4 other treatments covered
$197.60
per month
All treatments
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
$209.33
per month
All treatments
loading
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
$111.47
per month
All treatments
Mildura Health Fund logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$169.97
per month
All treatments
loading
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
  • +2 other treatments covered
$11.72
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
  • +5 other treatments covered
$24.28
per month
All treatments
Dental - D
Extras cover
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$27.63
per month
All treatments
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$39.35
per month
All treatments
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +9 other treatments covered
$51.91
per month
All treatments
Mildura Health Fund logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +9 other treatments covered
$78.37
per month
All treatments
loading

Why you can trust Finder's health insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

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.

FAQs

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 237 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

More guides on Finder

  • Cost of childbirth in Australia: Public vs private costs

    Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out-of-pocket expenses to watch out for.

  • 8501 visa condition

    The 8501 visa condition means you need to get health insurance for your stay.

  • Latrobe Health Insurance Review

    See if Latrobe health insurance is right for you.

  • RT Health Fund Review

    RT Health Fund offers a range of health cover options to transport and energy industry employees and their families.

  • Defence Health Insurance Review

    Do you qualify for Defence Health health insurance? Find out what you could receive and what options are available to ADF members as well as their families and siblings.

  • Australian Unity health insurance review

    Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.

  • Best health insurance – seriously sick options

    Our experts compared 30+ funds and analysed hundreds of policies to help you find the best health insurance.

  • Health Insurance Queensland

    Start your search today to find a Queensland health fund that offers value for money and the cover you need.

  • HCi review

    HCi is a not-for-profit health fund that offers hospital, extras and combined cover that includes a wide range of medical services and treatments.

  • HIF health insurance review

    As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.

Go to site