News
Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.
HealthInsurance.au
Compare now
Mildura logo

Mildura Health Fund Health Insurance Review 2025

Compare 34 Mildura Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Mildura Health Insurance - Quick Facts

Policies34
Hospital From$158.45/mo
Customer reviews
4.7 stars/ 15 reviews
PHIO
🟢 Poor Service RecordBased on 2 complaints  |  Oct 2024 – Sep 2025

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Mildura Health.

Ready to compare?

See all 34 Mildura Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Mildura Health.

Explore Mildura Health Policies

Mildura Health offers 34 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

16 policies covering private hospital treatment, from $158.45* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

16 policies available
From:$158.45/mo*
*For Single
View Policies

Extras Cover

18 policies covering general treatment (dental, optical, physio, etc.), from $33.50* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.

18 policies available
From:$33.5/mo*
*For Single
View Policies

Combined Cover

No combined policies currently available from Mildura Health Fund.

0 policies available
From:$0/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Five Star Gold - F4
Hospital
Gold
$248.55
-
Basic Plus - H1
Hospital
Basic+
$158.45
-
Base Extras - A
Extras
-
$33.50
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with Mildura Health directly. Update profile settings ↑

Mildura Health Pricing Overview

Based on PrivateHealth.gov.au data (last updated 7 April 2026), Mildura Health's policies for Single cover start from:

Hospital Only

From:$158.45/mo*

Extras Only

From:$33.5/mo*

*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from Mildura Health before making decisions. Update your profile ↑

Customer Reviews

Google Reviews
4.7out of 5
Based on 15 reviewsReviews sourced from Google Reviews (April 2026).

What Mildura Specialises In

Find policies suited to your situation. Prices are indicative only.

Hospital Coverage
Gold
Comprehensive — all clinical categories
Extras Coverage
Optical
Non P B S
Physiotherapy
Chiropractic
Podiatry
Hearing Aids
Glucose Monitor
Dietetics

All prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Customer Service Record & Complaints

Mildura Health competes primarily with other mid-sized insurers focused on competitive pricing and simplified product ranges. Key competitors include Medibank, Bupa, and NIB.

Poor Service Record2 complaints in Oct 2024 – Sep 2025 · 100% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), Mildura Health Fund has a Poor Service Record.

0Complaint Rateper 1% market share
0%Investigation Rateno formal investigations
100%Resolution Rateresolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26 (Jul–Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

2
Complaints
0.1
Mkt Share %
100%
Resolved
No complaints in the last two quarters

Complaints per Quarter

Latest quarter
Previous quarters
1
Oct-Dec '24
1
Jan-Mar '25
0
Apr-Jun '25
0
Jul-Sep '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

Top Complaint Categories — All Insurers Combined
Industry-wide from all 35+ insurers, Q1 2025-26. Not specific to AIA Health.
Disputes referred to insurer100%
How AIA Health Addresses These

Poor Service Record — higher-than-average complaints relative to market share.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.

Mildura Health vs Industry Average - Complaint Rate per 1% Market Share

0
2 complaints
Mildura Health
7.36
Industry Avg

Mildura Health Fund's rate appears higher due to small market share (0.1%). With just 0 complaints, the normalised calculation inflates the number. In absolute terms, far fewer than major insurers.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

How to Resolve Issues

1
Contact Mildura Health(03) 5023 0269 or mhf@mildurahealthfund.com.au
2
Request Internal ReviewIf unsatisfied, request a formal review.
3
Contact the OmbudsmanFree: 1800 640 695 or privatehealth.gov.au/ombudsman

Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.

Learn how Ombudsman ratings are calculated →

Compare Mildura Health to Competitors

How Mildura Health Fund compares to other Australian health insurers based on pricing, service record, and product range.

PricingCompare Mildura Health Fund's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeMildura Health Fund offers 34 policies — compare the breadth of coverage options available.
Market PositionMildura Health Fund holds 0.1% market share among Australian health insurers.
Mildura Health FundMildura Health Fund
MedibankMedibank
BupaBupa
Policies
34
748
745
Rating
4.7/5
2.6/5
3.5/5
Hospital From*
$158.45/mo
$55.25/mo
$60.65/mo
Type
For-profit
For-profit
For-profit
Service
🔴 Poor
🟠 Average
🟢 Good

*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑

Contact & Support

PhoneGeneral: (03) 5023 0269Claims: (03) 5023 0269Mon-Fri 8am-6pm AEST
Emailmhf@mildurahealthfund.com.au
Onlinehttp://www.mildurahealthfund.com.au
Mail79 Deakin AvenueMilduraVIC3500

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 7 April 2026 and may change. Always verify current information with official sources.

I need cover for...