Mildura Health Fund Review
Mildura was among the first health insurers in Australia, established in 1929. Mildura has more than 35,000 members and aims to support local communities. Mildura has a well-regarded hospital and offers flexible hospital and extra packages, along with contracts with more than 445 private hospitals throughout Australia.
| 📌 Date Established | 1929 |
| 📍 Headquartered | 79 Deakin Avenue, Mildura VIC 3500 |
| 📉 Registration Number | ABN: 13 078 202 089 |
| 📈 The average number of members | Over 35,000 |
| 📊 Number of Employees | 50 - 200 |
| 💹 APRA-Regulated | ✅Yes |
| 💱 The most recent Market Cap reported | Not applicable; not-for-profit |
| ❤️ Average Customer Rating | High satisfaction rating, 99% in the most recent member survey |
| ⭐ Average Number of Reviews | 100+ |
| ✏️ Market Share | <0.5% |
| 📔 Number of plans offered | 2 Hospital-Only, 6 Extras |
| 🌟 Sponsorships | Several, including South Mildura Sporting Club, Nichols Point Primary School, Waratahs Hockey Club, and many more |
| 📲 Mobile App | ✅Yes |
| ⚙️ Medical Claims Portal | ✅Yes |
| ⏰ Customer Support Operating Hours | Monday to Friday, 8:30 am to 5 pm AEST |
| 🖥️ Information Hub and Blog | ✅Yes |
| 🩹 Chronic Illness Benefits | ✅Yes |
| 🧬 Screening and Prevention offered | ✅Yes |
| 🍼 Maternity Benefit | ✅Yes |
| 💛 Health Insurance Premium Range (AUD) | From $5.41 fortnightly - $2,039.67 yearly ($750 excess) |
| ⌛ Average Waiting Period | 2 months – 12 months |
| 🌎 Is International Medical Cover Offered | None |
| ↪️ International Travel Benefit | None |
Mildura Health Fund Plan Overview
| 🔎 Plan | 💴 Premium Range AUD | 🚨 Exclusions | ❤️ Ideal For | ↪️ Gap Cover Available | 📌 Rebate Percentage | 📍 Average Waiting Period | ⭐ Key Features |
| 🥇 Basic Plus Hospital Cover | From $51.45 fortnightly - $1,337.61 yearly ($750 excess) | Limited to shared rooms in public hospitals; private hospital incurs high out-of-pocket costs | Basic hospital needs in public settings | ✅Yes | Income and age-based | 12 months (pre-existing & pregnancy), 2 months (general), Immediate (accident) | Shared room, $750 excess, restricted benefits in private facilities |
| 🥈 Five Star Gold Hospital Cover | From $78.45 fortnightly to $2,039.67 yearly ($750 excess) | None | Comprehensive hospital cover | ✅Yes | Income and age-based | 12 months (pre-existing & pregnancy), 2 months (general), Immediate (accident) | Full coverage in contracted private facilities, access to over 445 hospitals |
| 🥉 Five Star Extras | From $36.17 fortnightly | Cosmetic, certain non-PBS therapies | Frequent users of extra services | When bundled with hospital | Income and age-based | 2 months (general), varies by service | Highest yearly limits, broad dental, optical, therapies, health management benefits |
| 🏅 Mid Extras and Dental Cover | From $23.96 fortnightly | Certain complementary therapies are not covered | Moderate extras usage, dental needs | When bundled with hospital | Income and age-based | 2 months (dental), varies by service | Standard cover for therapies, dental, optical, and certain health aids |
| 🎖️ Base Extras and Dental Cover | From $18.17 fortnightly | Complementary therapies, mental health, and select health aids not covered | Basic extras and dental needs | When bundled with hospital | Income and age-based | 2 months (general dental), varies | Standard dental, basic therapies, limited mental health cover |
| 🥇 Standalone Mid Extras | From $11.20 fortnightly | Similar to the Mid Extras bundle | Sole cover for moderate extras | None | N/A | 2 months (general), varies | Cover for essential therapies, dental, optical, and health aids |
| 🥈 Standalone Base Extras | From $5.41 fortnightly | Limited to basic cover | Basic extras cover only | None | N/A | 2 months (dental), varies | Lower-cost cover with essential extras, dental, optical |
| 🥉Standalone Dental Cover | From $12.76 fortnightly | General treatments only, orthodontic capped benefits | Dental-focused cover | None | N/A | 2 months (preventive), 12 months (major) | Full range of dental benefits, capped orthodontics, options for mid to high-cost dental needs |
Mildura Health Fund Plans – Features and Benefits
Hospital Cover Options
Basic Plus Hospital provides basic coverage for stays in public hospitals with limited benefits for psychiatric care, rehabilitation, and palliative care. A 12-month waiting period applies for pre-existing conditions and pregnancy services, but accidental injuries are covered right away. Members should expect significant out-of-pocket expenses when choosing treatment in a private facility.
Five Star Gold Hospital Cover
This is Mildura’s leading hospital plan, with broad coverage in contracted private hospitals across the country and no service exclusions. It has flexible excess options and includes cover for shared and private rooms and a private room allowance in public hospitals.
Extras Cover Options
Five Star Extras offers extensive cover, including dental, optical, physiotherapy, mental health, and health management services benefits. Members get full cover for preventive dental at selected providers, and approved health management programmes, such as fitness screenings, are covered at 70%.
Mid Extras and Dental cover remedial massage, physiotherapy, and chiropractic care. Members can access optical, psychology, and some health aids with annual benefit limits.
Base Extras and Dental Cover is an entry-level option that includes basic dental care, physiotherapy, and podiatry. This plan offers preventive dental coverage at participating providers for those who want essential coverage at a lower cost.
Standalone Extras Plans
Mildura also has standalone options for members who want extras-only cover. Standalone Mid Extras and Standalone Base Extras plans reflect the Mid and Base options but can be accessed without hospital cover.
A Standalone Dental Cover concentrates on dental benefits with limited orthodontic cover for those seeking affordable dental protection. Here are some features and benefits:
| 🔎 Plan Type | 📌 Cover Category | 📍 Room/Service Options | ⭐ Key Benefits |
| 📉 Basic Plus Hospital | Public hospital cover | Shared rooms | Restricted benefits; immediate cover for accidental injuries |
| 📈 Five Star Gold Hospital | Private hospital cover | Private/shared rooms | Comprehensive cover; no service exclusions; flexible excess options |
| 📊 Five Star Extras | Highest level of extras | Dental, optical, and mental health | High annual limits; 100% preventative dental; 70% cover for fitness programs |
| 💹 Mid Extras and Dental | Mid-level extras | Dental, physiotherapy, optical | Moderate limits for services like massage and chiropractic care |
| 💱 Base Extras and Dental | Entry-level extras | Physiotherapy, basic dental, podiatry | Essential cover; 100% preventative dental at participating providers |
| 📉 Standalone Mid Extras | Mid-level standalone extras | Dental, physiotherapy, optical | Moderate extras cover, available independently of hospital cover |
| 📈 Standalone Base Extras | Entry-level standalone extras | Physiotherapy, basic dental | Essential standalone cover with preventive care at an affordable rate |
| 📊 Standalone Dental Cover | Dental-only extras | Full range of dental services | Capped orthodontic benefits; options for moderate-to-high-cost dental treatments |
Recent User Reviews
🥇 Excellent Services and User-Friendly Website
Mildura Health Fund’s services are excellent. The website is user-friendly and includes all the necessary information. Fair pricing and comprehensive coverage. I suggest Mildura Health Fund for health insurance. – Casey
🥈 Convenient Health Insurance Provider
I’m happy with my new health insurance provider. The company’s website is well-designed, and I can locate anything I need. Fair pricing and comprehensive coverage. Quality health insurance with convenience is available from Mildura Health Fund. – Joy
Mildura Health Fund vs HCi Health Insurance vs CBHS Corporate Health
| 🔎 Providers | 🥇 Mildura Health Fund | 🥈 HCi Health Insurance | 🥉 CBHS Corporate Health |
| 📌 Years in Operation | 95 | 86 years | 8 years |
| 📍 Average Numbers of Members | Over 35,000 | 13,200 | 250,000+ |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 🔢 Number of Employees | 50 - 200 | 10 – 50 | 250+ |
| 📉 Market Share | Regional market share; substantial membership in the Sunraysia area | <0.1% | <0.1% |
| 📈 Market Cover | Primarily regional Australia | Australia | Australia, Global |
| ❤️ Customer Rating | High satisfaction rating, 99% in the most recent member survey | 3.5/5 | 4.5/5 |
| ↪️ Number of reviews | 100+ | 20+ | 100+ |
| 📲 Mobile App | ✅Yes | ✅Yes | ✅Yes |
| 💴 Premium Range (AUD) | From $5.41 fortnightly - $2,039.67 yearly ($750 excess) | Varies | From $7.92 per week to $4,575.87 per year |
| 🌎 International Travel Benefit | None | None | OSHC and OVHC |
| 🅰️ Market Capitalisation | Not applicable; not-for-profit | Unpublished | Not published |
| 🅱️ Unique Features | Regional focus, no-gap providers at Mildura Health Private Hospital, gap-free preventive dental, strong community sponsorships, and COVID-19 support benefits | Hospital Cover, easy switching, accident cover, wellness programs | Overseas visitors and student cover, Access Gap Cover, wellness benefits |
Advantages of Using the Mildura Health Fund
Mildura Health Fund, Australia’s longest-standing health fund since 1929, focuses on reducing healthcare costs for its members. Members with hospital cover at Mildura Health Private Hospital don’t pay excess for day procedures, making routine care more affordable.
The fund partners with many no-gap providers at its private hospital, lowering out-of-pocket expenses by offering cover through agreed fees. It also provides “Super Dental” agreements with local providers, allowing members to choose their preferred dentist while maintaining benefits, even for non-contracted providers.
Additionally, Mildura Health Fund supports local organizations through sponsorships and donations to schools, sports clubs, and health charities, demonstrating its commitment to community well-being.
| 🔎 Advantage | 🅰️ Mildura Health Fund | 🅱️ Traditional Health Funds |
| 📉 No Excess for Day Procedures | ✅ Yes | None |
| 📈 No-Gap Providers | Available | Limited |
| 📊 Dental Provider Flexibility | Unrestricted | Restricted |
| 💹 Community Reinvestment | High | Limited |
Mildura Health Fund Gap Cover
Mildura Health Fund’s gap cover helps with the difference between the Medicare Benefits Schedule fee and medical professionals’ fees for in-hospital services.
Below, we outline how the Fund’s gap cover operates, the eligibility criteria, and important aspects members should keep in mind about costs. Gap cover is relevant for services in hospitals where Mildura Health Fund has arrangements with the treating doctor and the hospital.
It’s important to note that even with gap coverage, there could still be some out-of-pocket costs if doctor fees go beyond what Medicare and the Fund cover. Mildura Health Private Hospital has several providers under “No Gap” agreements to help reduce extra costs for members.
Important details regarding Mildura Health Fund’s gap cover
Gap cover is available for treatments in hospitals with agreements with the attending doctor and the hospital. To reduce costs, members should check if their doctor is a “No Gap” provider at Mildura Health Private Hospital.
- Treatment costs can change if the treatment plan changes unexpectedly. Members should discuss all fees with each medical professional to understand any costs arising from changes during surgery or ongoing treatment.
- Surgeons, anaesthetists, and imaging technicians should each provide an estimate of their fees. This allows members to understand all possible out-of-pocket costs.
Gap cover doesn’t cover costs for services not on the MBS, cosmetic procedures, and visits to the emergency department, among other items.
Mildura Health Fund App Features
The Mildura Health Fund Member App offers tools for members to manage their health insurance needs easily. Functions include submitting claims through the app, accessing membership information, and tracking benefit balances in real time. Here is an overview of the app’s main features.
| 🔎 Feature | 📌 Description | 📍 Compatibility |
| 📉 Claims Submission | Submit claims by photographing receipts for fast processing | iOS 11.0+ (iPhone, iPad, iPod), macOS 11.0+ (Apple M1), Android 5.1+ |
| 📈 Membership Access | View personal membership details | iOS, iPadOS, macOS, Android |
| 📊 Benefit Tracking | Monitor benefit balances in real time | iOS, iPadOS, macOS, Android |
The app works with different mobile devices and operating systems, allowing most members to access these features, and updates keep it compatible with the newest devices.
Mildura Health Fund members can easily take charge of their accounts and claims using the app, letting them handle important tasks and monitor their benefit limits and usage from anywhere at any given time.
How to apply for Health Insurance with Mildura Health Fund
When applying for health insurance with Mildura Health Fund, follow these simple steps to complete the process:
Choose Your Cover Level
Select a cover option that fits your needs, such as Five Star Gold or Basic Plus for hospital cover and standalone extras.
Review the Cover Details
Examine the specifics of the cover, including hospital benefits, excess amounts, and extra options.
Fill Out the Application Form
Complete the form with your details and preferred plan options. You can also add dependents if you want to include your family.
Set an Effective Date
Choose an effective date for your policy. Keep in mind that there are waiting periods for certain services, like a 12-month wait for pregnancy care.
Provide Payment Information
Enter your direct debit details for automatic premium payments. If you set up a direct debit from your savings account, you might qualify for a discount.
Transfer from Another Fund
If switching from another insurer, request a Transfer Certificate. Mildura Health Fund will work with your previous insurer to handle any waiting period waivers.
Cooling-Off Period
After you submit your application, you have a 30-day cooling-off period to upgrade, downgrade, or cancel your membership without penalties.
Once approved, you’ll receive a membership card to use at participating providers.
How to apply for Gap Cover with Mildura Health Fund
This section explains the steps to confirm eligibility for gap coverage, which helps minimize out-of-pocket costs for inpatient services.
Check Hospital and Specialist Eligibility
Ensure your hospital and specialist are included in Mildura Health Fund’s agreements. This is important for elective procedures, as it allows you to choose participating providers.
Confirm MBS Item Numbers
Before your treatment, contact Mildura Health Fund to confirm the MBS item numbers your specialist will be billing. This ensures that all services are covered under gap provisions, reducing unexpected fees.
Verify Specialist Participation
Some specialists may not participate in the gap cover agreement, which can result in charges exceeding the MBS fee. Ask your doctor if they accept gap benefits from Mildura Health Fund to avoid additional costs.
When you sign up for hospital cover, gap cover is included if your plan allows it. Eligibility for gap cover is based on the hospital plan you choose and the agreements with your provider, with no separate enrolment required.
How to Submit a Claim with Mildura Health Fund
Claiming with Mildura Health Fund is simple and can be done through various methods:
On-the-Spot Claims via HICAPS
Members can submit claims immediately by swiping their membership card at participating HICAPS providers across Australia.
Mobile App Claims
Claims can be submitted directly through the Mildura Health Fund app. Simply take a photo of your invoice or receipt, enter your claim details, and submit it via the app.
Branch Claims
You can also submit claims in person at Mildura Health Fund branches in Mildura, Swan Hill, and Broken Hill. Note that cash payments are not available at the Swan Hill and Broken Hill locations.
Email or Postal Claims
Claims can be submitted by emailing invoices to [email protected] or mailing receipts and documentation to PO BOX 5046, Mildura VIC 3502.
No matter which method you choose, Mildura Health Fund makes it easy and convenient to claim your benefits.
How to Upgrade or Downgrade My Plan with Mildura Health Fund
Members of Mildura Health Fund can upgrade or downgrade their plan by submitting a written request or completing the Membership Application or Change of Details form. Here are the steps and key factors to consider when adjusting cover levels:
Upgrading Your Plan
When upgrading to a higher level of cover or lowering your excess, new waiting periods will apply for any additional benefits. The previous cover level will remain active during this waiting period. For example, certain services not included in your previous plan, like specific hospital benefits, may have a waiting period of up to 12 months, especially for pre-existing conditions.
Downgrading Your Plan
If you choose to lower your cover level or increase your excess, the downgrade will typically take effect immediately after you submit your request. There is a 30-day cooling-off period where you can revert to your previous plan if no claims are made during this time.
| 🔎 Consideration | 🔋 Upgrading Cover | 🪫 Downgrading Cover |
| ⏰ Waiting Periods | New waiting periods apply for added benefits; prior coverage applies during the waiting period | No waiting period is required; immediate change to lower cover |
| 📌 Premium Adjustment | Premiums increase to reflect the upgraded plan | Premiums decrease based on selected lower cover level |
| 📍 Cooling-Off Period | No cooling-off period for upgrades | 30-day cooling-off period applies, provided no claims are made |
| 🅰️ Cover Retention | The previous cover remains effective during any waiting period | Cover changes take effect immediately with the new plan level |
| 🅱️ Action Required | Submit a Membership Application or Change of Details form | Submit a Membership Application or Change of Details form |
How do I add a Beneficiary to Mildura Health Fund?
Members of Mildura Health Fund can add dependents to their policy, including newborns, school-aged children, and adult dependents. Here’s how to include dependents, with the age of the dependent affecting the process:
Newborns
Newborns can be added to your policy without needing a birth certificate or updated Medicare card. If you have a single membership, you must upgrade to a family or single-parent policy, and the new premium will take effect from the child’s birth date. If you already have a family or single-parent plan, add the newborn within two months of birth to ensure immediate coverage if waiting periods have been served.
Children (Under 21)
Children under 21 can remain on family memberships without additional premium costs. To stay covered until they are 25, children must be enrolled as full-time students. If they are not full-time students, they can still be covered until they are 25 under a “Single Parent Plus” or “Family Plus” plan, but this requires an extra premium.
Adult Dependents (Aged 21–25)
For an additional premium, adult dependents aged 21–25 can be added to “Family Plus” or “Single Parent Plus” plans, regardless of their student status. Dependents over 25 will need to apply for their own membership to continue with the Mildura Health Fund. If transitioning from a family membership, some waiting periods may be waived if coverage is uninterrupted.
How to Submit a Compliment or Complaint with Mildura Health Fund
Members can submit feedback, including compliments and complaints, regarding their experiences with Mildura Health Fund using any of the following methods:
- Phone: (03) 5023 0269
- Email: [email protected]
When you contact Mildura Health Fund, please provide your membership number and a thorough description of your feedback. If a complaint is still unresolved after reaching out to the Member Experience Team, members can ask for an external review by the Commonwealth Ombudsman.
How to Switch my Health Insurance to Mildura Health Fund
The section below details the steps members must follow to transfer their health insurance to Mildura Health Fund.
To ensure a smooth transition and continued cover, prospective Mildura members must have the right documentation close by, especially if they opt for a similar cover that honors waiting periods already completed.
Here are the steps for switching to Mildura:
- Start by completing the Mildura Health Fund Membership Application form and choosing the cover level that suits your requirements and needs. Share all personal information, like your Medicare details and cover preferences.
- Ask for a Transfer Certificate from your current health fund. This document confirms your membership status and notes any waiting periods you’ve finished. Mildura Health Fund will use this information to evaluate whether waiting periods can be eliminated under the new plan.
- Send your finished Membership Application and Transfer Certificate Request to Mildura Health Fund for the fund to work alongside your former insurer, guaranteeing a seamless transition without any lapse in cover.
After processing, Mildura Health Fund will verify your new membership. If you keep the same level of coverage, any waiting periods you’ve already completed will transfer, reducing any disruption to your benefits.
Mildura Health Fund Corporate Responsibility
Mildura Health Fund has multiple corporate responsibility initiatives focused on community support, health services, and member benefits. These initiatives include financial support for members, fundraising efforts, and local sponsorships.
| 🔎 Initiative | 📌 Description |
| 📉 Mildura Health Foundation | Raises funds to build accommodation for patients at Mildura Icon Cancer Centre |
| 📈 COVID-19 Financial Support | Deferred premium increases, rolled over extras, and provided telehealth during the pandemic |
| 📊 Cash-Back Programs | $7 million in 2024 for members, part of a $19 million total return over three years |
| 💹 Local Sponsorships | Supports educational, sports, and community health organisations |
| 💱 Community Donations | Fundraises and raises awareness for local causes like the Mallee Blanket Drive |
Mildura Health Fund Regulation
Mildura Health Fund operates within a strict framework set by Australian regulatory bodies, ensuring compliance with standards specific to the private health insurance sector.
This regulatory structure impacts the fund’s operations and establishes protections for its members as part of the national health insurance system. Here’s an overview of how Mildura is regulated:
| 🔎 Regulatory Framework | 📌 Description |
| 📉 Private Health Insurance Act 2007 | Governs policy structures, member rights, and benefit requirements across the industry |
| 📈 APRA Compliance | Ensures financial stability, requiring the fund to maintain adequate reserves and financial reporting |
| 📊 Commonwealth Ombudsman | Provides an external review process, allowing members to escalate unresolved concerns for impartial evaluation |
Mildura Health Fund Awards and Recognition
Mildura Health Fund has received the following awards and recognition:
- CANSTAR Award: Acknowledged as Victoria’s top health insurance provider for hospital products. This award has been received for four years in a row, recognising the benefits provided to members through the hospital cover options of Mildura Health Fund.
Moreover, an independent survey revealed that 98% of members expressed satisfaction with their membership, showing positive feedback regarding the fund’s services and support.
Mildura Health Fund Customer Support and Contact Details
Below are the specific contact details and hours of availability for each channel.
Phone: Call (03) 5023 0269, Monday to Friday, 8:30 am – 5:00 pm (AEST) for general inquiries or support.
Email: Members can email inquiries or submit documentation to [email protected].
Mildura Office
- Address: 79 Deakin Avenue, Mildura VIC 3500
- Office Hours: Monday to Friday, 8:30 am – 5:00 pm
- Phone/Fax: Call (03) 5023 0269 or fax (03) 5023 7732
Broken Hill Branch
- Address: 320 Argent Street, Broken Hill, NSW 2880
- Office Hours: Monday to Friday, 8:30 am – 5:00 pm
- Phone: (08) 8005 8700
Swan Hill Branch
- Address: 175-177 Beveridge Street, Swan Hill VIC 3585
- Office Hours: Monday to Friday, 8:30 am – 5:00 pm
- Phone: (03) 5023 0269
Postal Address
Send mail to P.O. Box 5046, Mildura VIC 3502
Mildura Health Fund Rebates and Discounts
| 🔎 Discount/Rebate Type | 📌 Description | 📍 Eligibility |
| 📉 Youth Discount | Age-based discounts of up to 10% for members aged 18–29. The discount starts from 10% for those joining age 18; reduces by 2% each year until age 30 | Available to members aged 18-29 who enrol in eligible hospital cover |
| 📈 Lifetime Health Cover (LHC) Loading | Encourages joining hospital cover before 31 by adding a loading for late joiners. Loading adds 2% to premiums per year over 30, maxing out at 70% | Applies to members joining hospital cover after the age of 30 |
| 📊 Government Rebate on Private Health Insurance | The Australian Government contributes a rebate towards eligible health insurance premiums based on age and income | Based on member income and age, rebates are adjusted annually according to the CPI |
| 💹 Medicare Levy Surcharge (MLS) | High-income earners without hospital cover incur additional tax (1-1.5% of income) to reduce pressure on the public system | Applies to individuals/families above income thresholds without private hospital cover |
| 💱 Member Referral Reward | Members who refer a friend or family member receive a $50 gift card if the referral joins Mildura Health Fund | Reward given to referring member after new member pays premium at least twice consecutively |
Mildura Health Fund Additional Health Services and Products
Mildura Health Fund offers supplementary health services to its members, including preventive care, post-natal support, and help with fitness and wellness programmes. These services go beyond the standard cover to offer members assistance for specific, unique health requirements.
Ambulance Cover
Ambulance cover can differ from one state to another, and for those with eligible extra policies, Mildura Health Fund provides a benefit to help reduce the costs of ambulance subscriptions. Residents of Victoria, the Northern Territory, and Western Australia can claim this benefit to assist with emergency ambulance transport requirements.
In New South Wales, the ACT, and Queensland, state schemes offer comprehensive ambulance cover.
Post-Natal Services
Mildura Health Fund provides post-natal support services for in-home care or accommodation-based assistance within a 30 km radius of the Mildura office.
New mothers can benefit from midwives and lactation consultants, receive physiotherapy vouchers, enjoy home cleaning services, and get essential care packs.
Accommodation support offers up to $250 per night for three nights at designated local places.
📌 Learn more about health cover insurance for pregnancy
Health Screenings
Members of the Five Star Extras plan can benefit from mole mapping, lung function tests, and sunspot removal.
These services assist in identifying health issues at an early stage; however, it’s important to note that services covered by Medicare are not eligible for reimbursement through the Mildura Health Fund.
Fitness Benefits
Members can take advantage of fitness-related benefits through the Five Star Extras plan, which includes services like swimming lessons, personal training, and group fitness sessions.
To be eligible for the program, you need a recommendation from a medical practitioner.
Weight Management
Mildura Health Fund is dedicated to helping members achieve their weight management and lifestyle goals.
Mildura offers support through well-known programmes such as Weight Watchers, Jenny Craig, and other medically endorsed options.
Mildura Health Fund goes above and beyond traditional health insurance by offering a range of supplementary services designed to support members in achieving their health and wellness goals. From ambulance cover and post-natal support to health screenings, fitness benefits, and weight management programs, Mildura Health Fund ensures that members receive comprehensive care tailored to their unique needs.
Mildura Health Fund Pros and Cons
| ✅ Pros | ❌ Cons |
| Cash-back programs and financial relief available for members | Limited geographic focus |
| Strong community support with sponsorships for local schools and sports clubs | Waiting periods apply |
| Provides gap cover with contracted private providers | Restricted access to private hospital cover |
| No-gap dental and optical benefits available | Does not provide travel insurance benefits |
| Mildura Health Private Hospital offers fee-free same-day procedures | Some gap cover services still incur out-of-pocket costs |
| Health app available for on-the-go claims and membership management | Basic Plus plan incurs higher out-of-pocket costs for private facility use |
In Conclusion
Mildura Health Fund offers local health coverage with a focus on wellness, providing benefits for health screenings, post-natal care, and preventive programs. Their strong community ties are evident through sponsorships and support for local initiatives. However, their hospital plans are more limited compared to larger insurers, and travel insurance is not included. Despite these drawbacks, the comprehensive in-hospital coverage of the Five Star Gold Hospital Plan stands out, especially when paired with the extras cover.
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- Latrobe Health Insurance
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Frequently Asked Questions
How can I become a member of the Mildura Health Fund?
You can join by calling Mildura Health Fund directly, visiting one of their locations, or applying online using the website.
Can I get healthcare services outside of the Sunraysia region?
Yes, Mildura Health Fund has agreements with more than 445 private hospitals throughout Australia. Members can receive benefits for hospital and supplemental cover across the country.
Does the Mildura Health Fund own any private hospitals?
Yes, Mildura Health Fund owns Mildura Health Private Hospital. This ownership allows for same-day operations without any additional fees.
Are there any waiting periods for new members?
Yes, waiting periods apply to several services, especially where pre-existing conditions are involved. The waiting periods vary according to the cover and services.
Do family policies cover dependents?
Yes, single children can remain on their parent’s policy until they turn 21, while full-time students are covered until they turn 25. Single parent plus and family plus cover options are available for single adult dependents to stay on a family policy until they turn 25.
What will happen if I need to discontinue my membership?
You can cancel your membership anytime by submitting a written notification to Mildura. The cancellation will be effective when you notify the fund or the next date that your premium is due, whichever is soonest.
