Using your cover

With Medibank, Rio Tinto gives you health cover that delivers great value to you and your family. Here’s how you can make the most of being a Medibank member.

How to find a provider

If you choose one of the Rio Tinto Better Health Cover extras product, you’ll get a percentage back on included extras at all recognised providers.^ 

You could generally get better value by choosing a provider from Medibank’s extensive Members’ Choice Network#. We have negotiated on your behalf with the providers in our network, so you won’t be charged more than the agreed price.

Learn more about Members' Choice

How to make a claim

Claiming with Medibank is easy. If your health provider doesn’t process the claim on the spot, then you’ve got a range of options to choose from. Most extras can be claimed online or via our handy mobile app. For other services you’ll need to download a claim form and post it back to us with any accounts and receipts. How you get paid is up to you – either directly into your account or via a cheque in the mail.

Rio Tinto Medical Plus Claim Forms

Health Concierge

With hospital cover, Health Concierge provides personalised, preventative health assistance to help eligible members prepare for, or recover from, a hospital stay or treatment. Our Health Concierges are highly-skilled in providing exceptional support to people going through potentially stressful times. Depending on the procedure you are undergoing, our service starts with a call from a Concierge, who’ll assess your circumstances and offer support that best suits your needs. Depending on the situation, the Concierge may follow up down the track to ensure you remain supported in your health journey.

Explore Live Better

Did you know we do more than health insurance? Live Better is packed with articles on wellbeing, exclusive offers, advice from experts and online courses to help you on the road to better health.

Travel insurance from Medibank

Travel insurance

With cover options for domestic travel, or international trips, Medibank Travel Insurance has been helping protect Aussie travellers for over 15 years.

Medibank health members save 15% on Medibank Travel Insurance.

Person and dog with pet insurance

Pet insurance

We love our four-legged friends. That's why Medibank Pet Insurance offers comprehensive cover options to help pet parents protect their favourite furry friends.

Health members save 10% on Medibank Pet Insurance every year.

Parent and child at a desk with Life Insurance

Life insurance

Medibank life insurance helps to provide for your family when you can’t. Apply for up to $2.5 million, depending on your age and income.

Health members get 10% off every year.

Exclusive support

If you’ve got any questions at all about getting more from your membership, call the dedicated Rio Tinto phone line on 1800 RIO RIO (1800 746 746).

Things to consider

^ Annual limits and waiting periods apply.

# Members Choice providers are not available in all areas and subject to change.

Travel Insurance

Travel: Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230, AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit

Pet Insurance

Pet: Medibank and ahm health members who wish to activate this discount must provide accurate membership details: (a) at point of purchase for the discount to apply; or (b) prior to renewal for the discount to apply at renewal.

Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.

Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at

Life Insurance

Life: Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, distributes and services Medibank life insurance, which is promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank). Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product. Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct's Privacy PolicyMedibank's Privacy Policy or Zurich's Privacy Policy.