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
Website: mildurahealthfund.com.au
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
Australian Capital Territory
Well below average.
New South Wales
Below average.
Northern Territory
Below average.
Queensland
Below average.
South Australia
Average.
Tasmania
Well below average.
Victoria
Average.
Western Australia
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.
Mildura Health Fund hospital agreements
In the Australian Capital Territory Mildura Health Fund has…
5 private hospital agreements out of an industry maximum of 6.
6 day hospital agreements out of an industry maximum of 9.
In New South Wales Mildura Health Fund has…
75 private hospital agreements out of an industry maximum of 92.
56 day hospital agreements out of an industry maximum of 105.
In the Northern Territory Mildura Health Fund has…
1 private hospital agreement out of an industry maximum of 1.
1 day hospital agreement out of an industry maximum of 2.
In Queensland Mildura Health Fund has…
47 private hospital agreements out of an industry maximum of 58.
35 day hospital agreements out of an industry maximum of 54.
In South Australia Mildura Health Fund has…
15 private hospital agreements out of an industry maximum of 20.
17 day hospital agreements out of an industry maximum of 31.
In Tasmania Mildura Health Fund has…
8 private hospital agreements out of an industry maximum of 8.
9 day hospital agreements out of an industry maximum of 9.
In Victoria Mildura Health Fund has…
68 private hospital agreements out of an industry maximum of 71.
63 day hospital agreements out of an industry maximum of 80.
In Western Australia Mildura Health Fund has…
18 private hospital agreements out of an industry maximum of 23.
12 day hospital agreements out of an industry maximum of 29.
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.
Depending on where you live, you may not need a policy with ambulance cover.
- Queensland and Tasmania: Emergency ambulance services are covered by the state government.
- New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
- 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 Western Australia: 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 Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance 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.
