How $52.66 is worked out
- Premium as filed - $69.40 a month
- Government rebate - 24.1% of the premium (never of the loading): -$16.74
- A month - $52.66
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| Glasses and contact lenses | 6 months | Single vision glasses: $240.00; Multifocal glasses: $240.00 | $240 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $35.00 | $200 per person a year, $400 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $36.00; Follow-up visit: $32.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $32.00; Follow-up visit: $27.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $42.00; Follow-up visit: $37.00 | $540 per person a year, $1,080 per policy a year |
| Psychology | 2 months | First visit: $50.00; Follow-up visit: $45.00 | $540 per person a year, $1,080 per policy a year |
| Acupuncture | 2 months | First visit: $29.00; Follow-up visit: $27.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $29.00; Follow-up visit: $27.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $770.00 | $1,000 per person a year, $2,000 per policy a year, 1 appliance every 5 years (shared with other services) |
| Blood glucose monitors | 36 months | Blood: $200.00 | $1,000 per person a year, $2,000 per policy a year, 1 appliance every 5 years (shared with other services) |
| Dietitian | 2 months | First visit: $38.00; Follow-up visit: $34.00 | $540 per person a year, $1,080 per policy a year |
| Exercise physiology | 2 months | First visit: $36.00; Follow-up visit: $32.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $36.00; Follow-up visit: $32.00 | $540 per person a year, $1,080 per policy a year |
| Health management programs | 6 months | Benefit: 50% back | $100 per person a year, $200 per policy a year |
| Home nursing | 2 months | First visit: $12.00; Follow-up visit: $12.00 | $500 per person a year, $1,000 per policy a year |
| Occupational therapy | 2 months | First visit: $36.00; Follow-up visit: $32.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $36.00; Follow-up visit: $32.00 | $540 per person a year, $1,080 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $46.00; Follow-up visit: $42.00 | $540 per person a year, $1,080 per policy a year |
| Vaccinations | 2 months | Vaccination: $35.00 | $200 per person a year, $400 per policy a year (shared with other services) |
Not covered: General dental, Major dental, Root canal, Braces, Audiology, Antenatal and postnatal, Chinese herbal medicine, Orthotics.
Other services, as filed: Refund on Ambulance Subscription - $47.50 for single policy/ $95.00 for family policy. Health Aids & Appliances covered by this policy (combined limit & maximum benefits apply) – Blood Glucose Monitor - $200, Blood Pressure Monitor - $150, TENS Machine - $150, Nebuliser - $150, Constant Air Pressure monitor (CPAP) - $400, Hearing Aid - $770, Braces/Splints - up to $500, CAM Boot - up to $500, Artificial Limbs & Prosthesis -up to $500, Crutches/Walking Frame - up to $35, Wigs - up to $250, Compression Garments - up to $250. Waiting periods vary from one year to three years depending on appliance.
Foot orthotics benefits payable after 12 months waiting period - limit combined with podiatry. Mental Health - benefit of $24 towards a consultation with a Counsellor (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 | $69.40 |
| Every state | My family | None | $69.40 |
| Every state | My family, with adult children not studying | None | $88.45 |
| Every state | Just me | None | $34.70 |
| Every state | Me and my children | None | $69.40 |
| Every state | Me and my children, with adult children not studying | None | $88.45 |
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 I2/A0000C, 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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