Mildura Health Fund
10 open policies in the October 2026 data. Anyone can join.
This insurer is a mutual organisation that operates on a not-for-profit basis.
mildurahealthfund.com.au, phone (03) 5023 0269
- Hospital
- 4
- Hospital and extras
- 0
- Extras
- 6
- Closed to new members
- 2
How its premiums compare in NSW & ACT
Mildura Health Fund's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$158.4520th cheapest of 20
- GoldHospital only$248.55Cheapest of 10
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Plus - H1, at $158.45 a month before the rebate with a $750 excess: 20th cheapest of 20 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Five Star Gold - F4, at $248.55 a month before the rebate with a $750 excess: the cheapest of 10 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$158.45 to $279.95
- VIC$158.45 to $279.95
- QLD$158.45 to $279.95
- SA$158.45 to $279.95
- WA$158.45 to $279.95
- TAS$158.45 to $279.95
- NT$158.45 to $279.95
- NSW & ACT$16.75 to $112.25
- VIC$16.75 to $112.25
- QLD$16.75 to $112.25
- SA$16.75 to $112.25
- WA$16.75 to $112.25
- TAS$16.75 to $112.25
- NT$16.75 to $112.25
Show the figures
| State | Hospital | Extras |
|---|---|---|
| NSW & ACT | $158.45 to $279.95 | $16.75 to $112.25 |
| VIC | $158.45 to $279.95 | $16.75 to $112.25 |
| QLD | $158.45 to $279.95 | $16.75 to $112.25 |
| SA | $158.45 to $279.95 | $16.75 to $112.25 |
| WA | $158.45 to $279.95 | $16.75 to $112.25 |
| TAS | $158.45 to $279.95 | $16.75 to $112.25 |
| NT | $158.45 to $279.95 | $16.75 to $112.25 |
What Mildura Health Fund covers, and what it pays back
Hospital
Its four hospital policies come with a choice of $250, $500 or $750 excess. Three of the four offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All four leave ambulance out.
Extras
Mildura Health Fund has six policies with extras, covering anywhere from 4 to 23 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $59.85typical policy $35.20
- $122.70typical policy $66.85
- $800.00typical policy $773.80
- $280.00typical policy $220.00
- $50.00typical policy $42.00
- $70.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,500typical policy $800
- Major dental$1,500typical policy $1,000
- Optical$280typical policy $220
- Physiotherapy$650typical policy $450
- Chiropractic$600typical policy $400
- Psychology$650typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 4
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus - H1 | Basic Plus | $158.45All states | All | $750 |
| Five Star Gold - F4 | Gold | $248.55All states | All | $750 |
| Five Star Gold - F3 | Gold | $264.17All states | All | $500 |
| Five Star Gold - F2 | Gold | $279.95All states | All | $250 |
Extras policies 6
| Policy | From | Sold in | Services |
|---|---|---|---|
| Base Extras - A | $16.75All states | All | 15 |
| Mid Extras - A1 | $34.70All states | All | 19 |
| Dental - D | $40.00All states | All | 4 |
| Base Extras and Dental - AD | $56.75All states | All | 19 |
| Mid Extras and Dental - A1D | $74.70All states | All | 23 |
| Five Star Extras - E1 | $112.25All states | All | 23 |
Mildura Health Fund also has 2 older policies (12 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Mildura Health Fund
- Who can join Mildura Health Fund?
- Anyone can join. Mildura Health Fund sells 10 policies to new members (4 hospital-only and 6 extras-only), going by the October 2026 data.
- How much is Mildura Health Fund hospital cover?
- Its cheapest hospital policy for a single is $158.45 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does Mildura Health Fund pay for a dental check-up?
- Up to $59.85 for a check-up (dental item 012) on its Base Extras and Dental - AD policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.