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Compare Mildura Health Fund health insurance

How Mildura Health Fund rates for member complaints, gap cover and ambulance cover.

CHOICE staff
CHOICE staff

Who is Mildura Health Fund?

Operating since 1929, Mildura Health Fund is a nonprofit, member-owned regional health fund with almost 30,000 members Australia-wide. It's part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: (03) 5023 0269


Does Mildura Health Fund get many complaints from members?

Mildura Health Fund has a Low complaints rating.

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Mildura Health Fund's gap cover?

A hospital 'gap' is the amount the doctor charges above Medicare's recommended fee for a treatment or service.

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does Mildura Health Fund have in each state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Mildura Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Mildura Health Fund offer any discounts?

Mildura Health Fund offers a 2.5% discount if you pay by direct debit. Youth discounts are also offered on some Gold policies, and these are transferable (meaning you can transfer a discount from another fund to one of these policies).

Does Mildura Health Fund offer ambulance cover?

Mildura doesn't cover emergency ambulance on its hospital cover in Victoria, Western Australia, the Northern Territory or South Australia.

For refunds on ambulance subscriptions, the benefit amount varies depending on the level of extras cover.

Does Mildura Health Fund offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 21.
  • Full-time students are covered on family policies for free until they turn 25.
  • Adult children younger than 25 can be covered on extended family policies for an extra cost. 

Does Mildura Health Fund let you claim online or in-app?

All services can be claimed via an app (iOS and Android). There is no online claiming.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.