Compare Mildura Health Fund health insurance


A nonprofit, member-owned regional health fund, operating since 1929.

Fund information


Mildura Health Fund summary

Is Mildura Health Fund nonprofit? 

Does Mildura Health Fund get many complaints from members? 

How good is Mildura Health Fund's gap cover? 

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

Does Mildura Health Fund offer any discounts?

Does Mildura Health Fund offer ambulance cover?

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

What CHOICE Community says about Mildura Health Fund


Mildura Health Fund summary

MDH

Operating since 1929, Mildura Health Fund is a nonprofit, member-owned regional health fund with almost 30,000 members Australia-wide.

Mildura Health Fund contact details

Phone: (03) 5023 0269

Email: mhf@mildurahealthfund.com.au

Website: www.mildurahealthfund.com.au


Is Mildura Health Fund nonprofit?

Yes.


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Does Mildura Health Fund get many complaints from members?

Mildura Health Fund complaints rating: Low

  • 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

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

We also display the percentage of medical services that Mildura Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Mildura Health Fund gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Average

Queensland (Qld)

Average

South Australia (SA)

Average

Western Australia (WA)

Below average

Tasmania (Tas)

Well below average

Northern Territory (NT)

Average

Percentage of medical services covered with no gap

New South Wales (NSW)

Mildura Health Fund – 80.6%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Mildura Health Fund – 83.2%

Industry average – 76.7%

Victoria (Vic) 

Mildura Health Fund – 81.8%

Industry average – 85.0%

Queensland (Qld) 

Mildura Health Fund – 83.0%

Industry average – 85.1%

South Australia (SA) 

Mildura Health Fund – 86.3%

Industry average – 86.8%

Western Australia (WA) 

Mildura Health Fund – 72.3%

Industry average – 90.1%

Tasmania (Tas) 

Mildura Health Fund – 61.5%

Industry average – 83.0%

Northern Territory (NT) 

Mildura Health Fund – 69.4%

Industry average – 80.1%

How many hospital agreements does Mildura Health Fund have in my 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.

Mildura Health Fund has

ACT

5 private hospital agreements out of an industry maximum of 7

6 day hospital agreements out of an industry maximum of 8

NSW

75 private hospital agreements out of an industry maximum of 100

53 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

52 private hospital agreements out of an industry maximum of 58

30 day hospital agreements out of an industry maximum of 53

SA

22 private hospital agreements out of an industry maximum of 27

14 day hospital agreements out of an industry maximum of 28

Tas

6 private hospital agreements out of an industry maximum of 8

6 day hospital agreements out of an industry maximum of 6

Vic

75 private hospital agreements out of an industry maximum of 79

62 day hospital agreements out of an industry maximum of 79

WA

18 private hospital agreements out of an industry maximum of 23

13 day hospital agreements out of an industry maximum of 29

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Does Mildura Health Fund offer any discounts?

Discount for direct debit: 2.5%

Discount for annual prepay: None

Total discount for annual prepay via direct debit: 2.5%


Does Mildura Health Fund offer ambulance cover?

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

Refund on ambulance subscriptions: families $90, singles $45

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


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

All services can be claimed via app (iOS and Android). No online claiming.


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What CHOICE Community says about Mildura Health Fund

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Mildura Health Fund to share your experiences or gain more insights into this health fund.