Mildura Health Fund

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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:

• Hospital Cover
• Extras Cover.

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.

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

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

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

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

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

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

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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:

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

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

Benchmark	MDHF	Industry average
% Extras Cover charges covered	53.5%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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

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

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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.

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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.

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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

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