Five Star Gold - F2
A Gold hospital policy from Mildura Health Fund.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Mildura Health Fund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, All states, $250 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $250
- Ambulance
- Not covered
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Mildura Health Fund's page for this policyAgainst every other Gold hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Gold17 policies$279.953rd cheapest of 17
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $250, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Members paying by direct debit will receive a 2.5% discount (cheque or savings account only). NSW & ACT residents are automatically covered for emergency transportation within either NSW or ACT. For more information go to the Ambulance NSW website www.ambulance.nsw.gov.au or ACT Ambulance http://esa.act.gov.au/actas/fees-and-charges/.
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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.