If you claim podiatry every year
Five Star Extras - E1 has a $650 podiatry limit. Check the extras benefits for shared pools and claim conditions.
Mildura health insurance
Is it a good health insurer?
Mildura has 2 hospital and 6 extras policies in our comparison, from $200.46 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by Mildura Health Fund. Hospital, extras or both.
Explore 2 hospital and 6 extras products, or find cover by treatment. Sources for Mildura
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 27 October 2026 · Prices effective 1 April 2026
I need cover for…
Compare cover across all Australian health funds.
Mildura cover: the main choices.
See the benefit differences
If you claim dietetics every year
Five Star Extras - E1 has a $650 dietetics limit. Check the extras benefits for shared pools and claim conditions.
If you claim psychology every year
Mid Extras and Dental - A1D has a $540 psychology limit that it shares with other services. Check the extras benefits for shared pools and claim conditions.
Mildura policies and example prices.
The profile you choose updates the Mildura price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need a Mildura price for your circumstances? Compare Mildura with cover across all Australian health funds.
Compare my optionsHospital cover
2 product lines
Extras cover
6 product lines
What does Mildura hospital insurance cover?
1 Mildura hospital policy fully covers cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across both hospital policies
Selected Mildura treatment categories.
More premium does not mean more back on everything.
Mildura extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Base Extras and Dental - AD → Five Star Extras - E1
The optical limits move from $185 to $280 for the Single-policy examples. The upgrade raises the shared physio limit from $390 to $650 and adds psychology.
Five Star Extras - E1's higher benefit examples
The optical examples move from a $185.00 set benefit on Base Extras and Dental - AD to a $280.00 set benefit. It has a $280 optical limit and $650 shared physio limit for the Single-policy example.Compare these benefits with the premium.
Why Mildura's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
Mildura vs. Medibank vs. St Lukes
How Mildura compares with similar hospital policies.
These are selected Gold examples from Medibank and St Lukes, not identical policies or a search for the cheapest cover across the market.
Comparing Mildura Five Star Gold with Medibank Gold Advanced and St Lukes Gold Hospital. Single · NSW · $500 hospital excess · Gold hospital cover
Mildura and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match Mildura Five Star Gold on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
Mildura and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare Mildura with cover from every Australian health fund.
Mildura against the industry.
Mildura members had no gap on 82.3% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Mildura paid 52.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Mildura increased premiums by an average of 4.25% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
4.7 / 5
19 Google reviews
Voluntary customer reviews · Mildura
Snapshot: 23 October 2026. This is Mildura's listing, not a representative survey. This small sample may not reflect the experience of most members.
Complaint share is close to market share
Share of all complaints, 2024-250.1%
Market share, 30 June 20250.3%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
Mildura's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%.
Latest quarter, January to March 2026. The Ombudsman referred no complaints about Mildura Health Fund to it and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
Check the practical details.
Check your provider
Confirm that Mildura recognises your provider. Ask for a treatment plan and item numbers so Mildura can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use Mildura's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.
Contact Mildura
For general enquiries, call 03 5023 0269. Monday to Friday, 8.30am to 5pm (AEST).Contact details checked 6 October 2026.Official contact details and messaging options
Before you choose Mildura.
Who owns Mildura?
Mildura is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.
Source: Government insurer profile, checked 6 October 2026.
What is the cheapest Mildura hospital policy?
Five Star Gold is the cheapest Mildura hospital policy for a single person in NSW with a $500 hospital excess, at $200.46 a month after the 24.118% government rebate for adults under 65 (prices effective 1 April 2026). This compares all 2 Mildura hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
Sources for Mildura.
Policy information retrieved 26 October 2026. Prices effective 1 April 2026.
Private Health Information Statements · Mildura · checked 26 October 2026
State of the Health Funds Report 2024-25 · Mildura · checked 26 October 2026
Government insurer profile · Mildura · checked 6 October 2026
Government premium-increase figures · Mildura · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · Mildura · checked 23 October 2026
Official contact details · Mildura · checked 6 October 2026
I need cover for...