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Insurer

Mildura Health Fund

Reviewed and updated 3 April 2024

About Mildura Health Fund

What is Mildura Health Fund

Mildura Health Fund is a private health insurer that operates as an open health fund

Background

Established in 1929, Mildura Health Fund was the first health fund of its type in Victoria. Its objective was to create a fund that covers hospital costs so members would not have to worry about the expense of hospital treatment. 

The insurer claims to be the oldest open fund in Australia. 

Over the years, Mildura Health Fund has resisted attempts for it to merge with larger health insurers and claims to be a truly regional health fund.

It has over 35,000 members with 75% living in the Sunraysia area.

Who can join Mildura Health Fund?

Anyone can join Mildura Health Fund because it is an open fund.

What products does Mildura Health Fund offer?

Mildura Health Fund offers:

Do Mildura Health Fund policies include Ambulance Cover?

For residents of NSW and ACT, emergency Ambulance Cover is included in Hospital Cover

For residents of NT, SA, VIC and WA with Extras Cover, Mildura Health Fund may pay a benefit towards your ambulance service subscription depending on your level of cover.

For residents of QLD and TAS, you are already covered by your state-based ambulance scheme.

Mildura Health Fund does not include emergency Ambulance Cover with its Hospital Cover.

Under its Extras Cover, it offers a refund on ambulance subscriptions for:

  • NT
  • SA
  • VIC
  • WA.

Is Mildura Health Fund a not-for-profit health insurer?

Yes. Mildura Health Fund is a not-for-profit health insurer.


Does Mildura Health Fund operate in all Australian states and territories?

Yes. Mildura Health Fund operates in all Australian states and territories.


How does Mildura Health Fund Hospital Cover compare with other insurers?

BenchmarkMDHFIndustry average
Member retention for Hospital Cover91.8%88.6%
% hospital-related charges covered92.7%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Does Mildura Health Fund have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Mildura Health Fund has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW7898
NT12
QLD4760
SA1623
TAS99
VIC7276
WA1824

Mildura Health Fund also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT69
NSW54103
NT12
QLD3557
SA1630
TAS88
VIC6179
WA1224

Source: Mildura Health Fund: performance


How does Mildura Health Fund Extras Cover compare with other insurers?

BenchmarkMDHFIndustry average
% Extras Cover charges covered52.6%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does Mildura Health Fund compare with other private health insurers?

BenchmarksMDHFIndustry average
Market share0.3%
% services with no gap81.3%88.8%
% services with no gap or where known gap payment made99.9%97.4%
Market share of complaints to the PHIO0.0%
% complaints investigated by the PHIO0.0%
Benefits as a % of contributions83.6%83.1%
Management expenses as a % of contribution income8.5%9.9%
Management expenses per average policy$335$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Is Mildura Health Fund a member of any industry organisations?

Yes. Mildura Health Fund is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Does Mildura Health Fund let me claim online or via an app?

Yes. Mildura Health Fund allows you to make a claim online via the Mildura Health Fund app.


How to contact Mildura Health Fund

Phone:

(03) 5023 0269

Website:

http://www.mildurahealthfund.com.au

Email:

mhf@mildurahealthfund.com.au

Address:

79 Deakin Avenue
MILDURA VIC 3500

Postal address:

PO Box 5046
MILDURA VIC 3502


Compare Mildura Health Fund with other private health insurers

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