{"fund":"Mildura Health Fund","fund_label":"Mildura Health Fund","fund_slug":"mildura-health-fund","fund_code":"MDH","fund_type":"open","restriction":null,"restriction_details":null,"description":"Operating since 1929 Mildura Health Fund is a regional health insurance fund existing purely to serve it's more than 40,000 members nationwide. We are a not-for-profit member owned fund, which means that our members receive more in benefits and competitive premiums.","website":"http://www.mildurahealthfund.com.au","phone":"(03) 5023 0269","states":["ALL"],"brands":[],"source":"Private Health Insurance Ombudsman, 'PrivateHealth.gov.au' monthly data release on data.gov.au (the policy data behind privatehealth.gov.au, supplied by every registered health insurer).","licence_note":"Source data is published by the Commonwealth of Australia (Private Health Insurance Ombudsman) under the Creative Commons Attribution 3.0 Australia licence; Deep Almanac's normalised files may be reused with attribution to both. Premiums are before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount, and change without notice. This is reference data, not financial or health advice.","note":"Each policy's cover_profile, waiting_profile and extras_profile point into cover_profiles, waiting_profiles and extras_profiles below, which list the clinical categories covered, restricted and not covered, the waiting periods, and the extras services covered.","policy_count":24,"hospital_policy_count":24,"combined_policy_count":0,"cover_profiles":{"cover1":{"covered":[],"restricted":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","hospital_psychiatric","implantation_hearing_devices","insulin_pumps","joint_reconstructions","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets","weight_loss_surgery"],"not_covered":[]},"cover2":{"covered":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","hospital_psychiatric","implantation_hearing_devices","insulin_pumps","joint_reconstructions","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets","weight_loss_surgery"],"restricted":[],"not_covered":[]}},"waiting_profiles":{"waiting1":{"sub_acute":{"value":2,"unit":"month"},"pre_existing":{"value":12,"unit":"month"},"pregnancy_birth":{"value":12,"unit":"month"},"other":{"value":2,"unit":"month"}}},"extras_profiles":{},"policies":[{"product_item_id":"EE78D736-A664-4423-88C6-29D5E95197C2","product_id":"6f3912eb-b8f2-4f8f-af4d-40a5fa4839f1","product_code":"H1/AACI20","fund":"Mildura Health Fund","fund_label":"Mildura Health Fund","fund_slug":"mildura-health-fund","fund_code":"MDH","fund_type":"open","brands":[],"name":"Basic Plus - H1","product_type":"hospital","state":"ALL","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":316.9,"premium_hospital_monthly":316.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":750,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"public_shared","categories_covered":0,"categories_restricted":38,"categories_not_covered":0,"ambulance":"none","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.mildurahealthfund.com.au","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":null,"other_features":"Shared Ward accommodation for private patients in a Public Hospital. \nPrivate Hospital admissions: Default benefits, as per Department of Health (Benefit Requirements) payable on bed fee NO theatre fee payable, prosthesis minimum benefit payable in accordance with schedule 5. 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