Mildura Health Fund
Five Star Extras - E1
Mildura Health Fund
How $85.18 is worked out
- Premium as filed - $112.25 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.07
- A month - $85.18
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $59.85; Scale and clean (item 114): $122.70; Fluoride treatment (item 121): $51.20; Tooth extraction (item 322): $247.45 | $1,500 per policy a year (shared with other services) |
| Major dental * | 2 months | Crown (item 615): $800.00 | $1,500 per policy a year (shared with other services) |
| Root canal * | 2 months | Root canal (item 417): $242.30 | $1,500 per policy a year (shared with other services) |
| Braces * | 24 months | Braces, upper and lower, with a retainer (item 881): $800.00 | $1,500 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: $280.00; Multifocal glasses: $280.00 | $280 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $45.00 | $300 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $650 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $34.00 | $600 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $48.00; Follow-up visit: $44.00 | $650 per policy a year |
| Psychology | 2 months | First visit: $70.00; Follow-up visit: $60.00 | $650 per policy a year |
| Acupuncture | 2 months | First visit: $36.00; Follow-up visit: $34.00 | $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $36.00; Follow-up visit: $34.00 | $600 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $1100.00 | $1,200 per policy a year, 1 appliance every 5 years (shared with other services) |
| Blood glucose monitors | 36 months | Blood: $260.00 | $1,200 per policy a year, 1 appliance every 5 years (shared with other services) |
| Dietitian | 2 months | First visit: $44.00; Follow-up visit: $40.00 | $650 per policy a year |
| Exercise physiology | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $650 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $42.00; Follow-up visit: $38.00 | $650 per policy a year |
| Health management programs | 6 months | Benefit: 70% back | $150 per policy a year |
| Home nursing | 2 months | First visit: $12.00; Follow-up visit: $12.00 | $600 per policy a year |
| Occupational therapy | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $650 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $600 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $60.00; Follow-up visit: $55.00 | $650 per policy a year |
| Vaccinations | 2 months | Vaccination: $45.00 | $300 per policy a year (shared with other services) |
Not covered: Audiology, Antenatal and postnatal, Chinese herbal medicine, Orthotics.
* $450 benefit limit per person in the first year of dental membership.
Other services, as filed: Ambulance Subscription refund - $52.50 for single/$105 for families. Health Aids & Appliances (combined limit & maximum benefits apply) – Blood Glucose Monitor - $260, Blood Pressure Monitor - $200, TENS Machine - $200, Nebuliser - $200, Constant Air Pressure monitor (CPAP) - $520, Hearing Aids - $1,100, Braces/Splints - up to $600, CAM Boot - up to $600, Artificial Limbs & Prosthesis - up to $600, Crutches/Walking Frame - up to $50, Wigs - up to $300, Compression Garments - up to $300. Waiting periods vary from one year to three years depending on appliance. Includes dentures - full set claimable every 3 years.
Foot orthotics benefits payable after 12 months waiting period - limit combined with podiatry. Five Star Health Management benefits - a full list of services covered can be found on our website. Mental Health - benefit of $32 towards a consultation with a Counsellor or Mental Health Social Worker (service providers must be accredited by ARHG for benefit to payable) - limit combined with Psychology. Members paying by direct debit will receive a 2.5% discount (cheque or savings account only). Contact the Fund for further details.
Ambulance
No ambulance cover.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| Every state | Me and my partner | None | $224.50 |
| Every state | My family | None | $224.50 |
| Every state | My family, with adult children not studying | None | $286.20 |
| Every state | Just me | None | $112.25 |
| Every state | Me and my children | None | $224.50 |
| Every state | Me and my children, with adult children not studying | None | $286.20 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I4/AAAO10, filed by Mildura Health Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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