Five Star Gold $750 Excess - F4

Hospital: what is covered

Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.

Excess, waiting periods and hospital

• Tier - Gold
• Hospital - Private or public hospital
• Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $750 per policy a year.
• Co-payments - None.
• Known gap - No
• Age-based discount - Offered for 18 to 29 year olds
• Accident cover - No
• Travel and accommodation benefits - No

Waiting periods

• Most treatments - 2 months
• Existing conditions - 12 months
• Pregnancy and birth - 12 months
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Members paying by direct debit will receive a 2.5% discount (Credit Card excluded). No excess is payable on same day procedures at the Mildura Health Private Hospital. NSW & ACT residents are automatically covered for emergency transportation within either NSW or ACT. For more information go to the Ambulance NSW website www.ambulance.nsw.gov.au or ACT Ambulance http://esa.act.gov.au/actas/fees-and-charges/.

**Excess waived for all persons under 21. No excess is payable on same day procedures at the Mildura Health Private Hospital. Additional medical gap benefits may be payable on this cover, contact the Fund for details.

Ambulance

No ambulance cover.

Agreement hospitals in Queensland

Mildura Health Fund has agreements with 84 private hospitals here, as filed with the Ombudsman.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

Member retention (hospital cover)

89.4% is the Commonwealth Ombudsman's figure for MDHF in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).

The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).

It is shown as published. The list is not sorted, filtered or ranked by it.

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.

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 H8/AACA10, filed by Mildura Health Fund, issued 1 Apr 2026.