Five Star Extras Product Summary - Five Star Extras

Sep 15, 2026

Upload by Stanley

Five Star Extras is Mildura Health Fund’s premium extras cover focused on delivering maximum value, peace of mind, and added luxury. The document outlines a comprehensive extras benefit table covering physiotherapy and therapies, podiatry, dietician services, remedial massage and acupuncture-related treatments, chiropractic and osteopathic care, mental health, optical, ambulance subscription refunds, eye therapy, speech pathology, home nursing, pharmacy items, and health aids and appliances. It also details health management benefits with approved programs, waiting periods, sub-limits, and calendar year limits, plus footnotes on eligibility and required approvals.

LanguageEnglish

CategoryHealthcare

FormatPDF

Pages5

Reading Time13 min

AccessFree to download

Five Star Extras cover overview

Extras benefit tables

Five Star Extra Cover 1

Five Star Extra Cover 2

Five Star Extra Cover 3

Health management benefits and approved programs

Health management benefit rules and notes

PRODUCT SUMMARY FIVE STAR EXTRAS COVER Five Star Extras is Mildura Health Fund’s premium extras cover, the one designed for people who want the very best. It’s filled with our highest benefits, generous dental limits, and exclusive Health Management perks that help you stay at your healthiest. If you’re looking for maximum value, peace of mind, and that little bit of luxury in your health cover, this is the one that truly delivers. EXTRAS BENEFIT TABLE FIVE STAR EXTRAS SERVICE WAITING PERIOD BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT PHYSIOTHERAPY & OTHER THERAPIES | Physiotherapy | 2 months | Initial $50 Standard $45
Group* $10 | $100* | | | --- | --- | --- | --- | --- | | Exercise Physiology | 2 months | Initial $50 Standard $45
Group* $10 | $100* | $650 person
$1,300 family | | Occupational Therapy | 2 months | Initial $50 Standard $45 | x | | PODIATRY | Podiatry 2 months Initial $48 x
Standard $44 | $650 person
$1,300 family | | --- | --- | |
Foot Orthotics 12 months Set benefit x
per item | | DIETICIAN | Dietician | 2 months | Initial $44 Standard $40 | x | $650 person
$1,300 family | | --- | --- | --- | --- | --- | THERAPIES ^ | Remedial Massage | 2 months | Initial $36 Standard $34 | x | $600 person
$1,200 family | | --- | --- | --- | --- | --- | | Acupuncture | 2 months | Initial $36 Standard $34 | x | | | Myotherapy | 2 months | Initial $36 Standard $34 | x | | | Nutritionist | 2 months | Initial $36 Standard $34 | x | | | Naturopathy | 2 months | Initial $36 Standard $34 | x | | FIVE STAR EXTRA COVER 1 EXTRAS BENEFIT TABLE FIVE STAR EXTRAS SERVICE WAITING PERIOD BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT CHIROPRACTIC & OSTEOPATHIC MENTAL HEALTH | Clinical Psychology | 2 months | Initial $70 Standard $60 Group $12 | x | | | --- | --- | --- | --- | --- | | Counselling^ | 2 months | Initial $32 Standard $32 | x | $650 person
$1,300 family | | Mental Health
Social Worker^ | 2 months | Initial $32 Standard $32 | x | | OPTICAL | Prescription Glasses & Contact Lenses | 6 months | $280
per person | x | $280
per person | | --- | --- | --- | --- | --- | AMBULANCE SUBSCRIPTION | Ambulance subscription refund | 0 months | Family $105
Single $52.50 | x | Equal to benefit | | --- | --- | --- | --- | --- | EYE THERAPY | Eye Therapy | 2 months | Initial $60 Standard $55 | x | $650 person
$1,300 family | | --- | --- | --- | --- | --- | SPEECH PATHOLOGY | Speech Therapy | 2 months | Initial $60 Standard $55 | x | $650 person
$1,300 family | | --- | --- | --- | --- | --- | HOME NURSING | Visiting Nurse
(Excludes midwifery services) | 2 months | $12 | x | $600 person
$1,200 family | | --- | --- | --- | --- | --- | PHARMACY | Non PBS prescriptions | 2 months | $45 | x | $300 person
$600 family | | --- | --- | --- | --- | --- | HEALTH AIDS & APPLIANCES ^^ | Blood Glucose Monitor | 36 months | $260
every 3 years | x | $1,200 person
$2,400 family | | --- | --- | --- | --- | --- | | Blood Pressure Monitor | 36 months | $200
every 3 years | x | | | TENS Machine | 36 months | $200
every 3 years | x | | | Nebuliser | 36 months | $200
every 3 years | x | | | CPAP Machine Only | 36 months | $520
every 3 years | x | | | Hearing Aid | 36 months | $1,100
every 5 years | x | | FIVE STAR EXTRA COVER 2 EXTRAS BENEFIT TABLE FIVE STAR EXTRAS SERVICE WAITING PERIOD BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT HEALTH AIDS & APPLIANCES ^^ | Braces & Splints | 12 months | 85% up to $600 every 3 years | x | Combined limit
for health aids
and appliances (as above) | | --- | --- | --- | --- | --- | | CAM Boot | 12 months | 85% up to $600 every 3 years | x | | | Artificial limbs & Prosthesis | 12 months | 85% up to $600 every 2 years | x | | | Crutches, walking frame & walking stick (including hire of) | 12 months | 85% up to $50
every 2 years | x | | | Wigs | 12 months | 85% up to $300 every 2

FAQs

What does Five Star Extras include and what is it designed for?

Five Star Extras is Mildura Health Fund’s premium extras cover designed for people seeking the highest benefits, generous dental limits, and exclusive Health Management perks to help maintain good health.

How do waiting periods, sub-limits, and calendar year limits work?

All benefits are subject to waiting periods and benefit limitations. Sub-limits apply to specific services, and each service has a calendar year limit shown in the benefit tables.

What are the key rules for health management benefits and approved programs?

Health management benefits list MHF approved programs and include conditions such as benefits being payable only for specific medical conditions or where no Medicare benefit is applicable. Some programs require MHF benefit approval.

Sep 15, 2026

Upload by Stanley