Mildura Health Fund is a private health insurer that operates as an open health fund.
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.
Anyone can join Mildura Health Fund because it is an open fund.
Mildura Health Fund offers:
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:
Yes. Mildura Health Fund is a not-for-profit health insurer.
Yes. Mildura Health Fund operates in all Australian states and territories.
Benchmark | MDHF | Industry average |
Member retention for Hospital Cover | 91.5% | 86.9% |
% hospital-related charges covered | 91.4% | 89.9% |
Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023
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:
Location | Number of private Agreement Hospitals | Industry maximum |
ACT | 5 | 6 |
NSW | 78 | 98 |
NT | 1 | 2 |
QLD | 47 | 60 |
SA | 16 | 23 |
TAS | 9 | 9 |
VIC | 72 | 76 |
WA | 18 | 24 |
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:
Location | Number of day Agreement Hospitals | Industry maximum |
ACT | 6 | 9 |
NSW | 54 | 103 |
NT | 1 | 2 |
QLD | 35 | 57 |
SA | 16 | 30 |
TAS | 8 | 8 |
VIC | 61 | 79 |
WA | 12 | 24 |
Source: Mildura Health Fund: performance
Benchmark | MDHF | Industry average |
% Extras Cover charges covered | 53.5% | 51.1% |
Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023
Benchmarks | MDHF | Industry average |
Market share | 0.3% | – |
% services with no gap | 81.2% | 88.3% |
% services with no gap or where known gap payment made | 99.9% | 97.2% |
Market share of complaints to the PHIO | 0.1% | 3.1% |
% complaints investigated by the PHIO | 0.5% | 3.1% |
Benefits as a % of contributions | 82.4% | 80.5% |
Management expenses as a % of contribution income | 9.3% | 13.1% |
Management expenses per average policy | $373 | $592 |
Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023
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.
Yes. Mildura Health Fund allows you to make a claim online via the Mildura Health Fund app.
Phone:
(03) 5023 0269
Website:
http://www.mildurahealthfund.com.au
Email:
Address:
79 Deakin Avenue
MILDURA VIC 3500
Postal address:
PO Box 5046
MILDURA VIC 3502
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