Hospital cover gives you greater control over who treats you, when and where you are treated. It also helps you manage the cost of your hospital stay – including accommodation and treatment.

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Hospital cover

Service

Fully subsidised
Essentials Silver Plus Hospital with $500 excess*

Assumes no Lifetime Health Cover loading.

Fully-funded cover for the most common hospital services, designed for Rio Tinto employees, their partners and families.

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What's included?

Inclusive of all Bronze and Silver hospital services, as well as select Gold hospital services.

Purchase with…

Essentials Silver Plus Hospital with $500 excess is available on its own, or with a Rio Tinto Better Health extras cover

What benefits are paid?

For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:

  • private hospital accommodation
    • overnight accommodation in a private or shared room
    • same day admissions
    • intensive care
    • theatre fees
  • public hospital accommodation as a private patient
    • overnight accommodation in a private or shared room
    • same day admissions (shared room only)
  • doctors' fees for in-hospital medical services when you're treated as a private patient
  • surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule
  • eligible ambulance services where immediate professional attention is required and your medical condition is such that you couldn’t be transported any other way

What's an excess?

If you have an excess on your cover, you pay this amount towards the cost of your hospital treatment. The higher the excess on your cover, the lower your premium. There are excess options available. You can choose to reduce the hospital excess and pay an additional amount. An excess applies per person per calendar year and doesn't apply to children on your membership.

It's important to note that you may have other out-of-pocket expenses.

Key

Services we pay benefits towards

Services we don't pay benefits towards

Restricted= Services we pay limited benefits for in a private hospital. It's important to consider whether you're likely to need these services because, the benefits for restricted services generally won’t cover the full cost of treatment in a private hospital and you may end up with significant out-of-pocket expenses.

Services which are normally restricted or excluded will be covered where treatment is required for injuries sustained in an accident after joining Essentials Silver Plus Hospital Cover.

Waiting periods may apply including the general 2 month waiting period, 12 months for pre-existing conditions and a 12 month waiting period for obstetrics-related services. For more information including other benefit assessment information

Note: Cosmetic surgery/procedures are excluded on all Medibank covers.

For further information please see our offer summary and hospital brochure

Get a quote

Gold Top Hospital

Rio Tinto will pay for around 65% of the premium*

Assumes no Lifetime Health Cover loading.

Upgrade to Gold Top Hospital, a more comprehensive cover,for services such as obstetrics and fertitlity treatment

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What's included?

Comprehensive hospital cover, including obstetrics-related services and fertility treatment, all joint replacement surgery, major eye surgery and more.

Purchase with…

Gold Top Hospital can be purchased on its own, or with an extras cover of your choice.

What benefits are paid?

For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:

  • private hospital accommodation
    • overnight accommodation in a private or shared room
    • same day admissions
    • intensive care
    • theatre fees
  • public hospital accommodation as a private patient
    • overnight accommodation in a private or shared room
    • same day admissions (shared room only)
  • doctors' fees for in-hospital medical services when you're treated as a private patient
  • surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule
  • eligible ambulance services where immediate professional attention is required and your medical condition is such that you couldn’t be transported any other way

What's an excess?

If you have an excess on your cover, you pay this amount towards the cost of your hospital treatment. The higher the excess on your cover, the lower your premium. An excess applies per person per calendar year and doesn't apply to children on your membership. There are excess options available. You can choose to reduce the hospital excess and pay an additional amount.

It's important to note that you may have other out-of-pocket expenses.

Key

Services we pay benefits towards

Services we don't pay benefits towards

Restricted= Services we pay limited benefits for in a private hospital. It's important to consider whether you're likely to need these services because, the benefits for restricted services generally won’t cover the full cost of treatment in a private hospital and you may end up with significant out-of-pocket expenses.

Waiting periods may apply including the general 2 month waiting period, 12 months for pre-existing conditions and a 12 month waiting period for obstetrics-related services.

Note: Cosmetic surgery/procedures are excluded on all Medibank covers.

For further information please see our offer summary and hospital brochure

Get a quote
  • Palliative care
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery & (medically necessary)
  • Chemotherapy, radiotherapy and & immunotherapy for cancer
  • Diabetes management & (excluding insulin pumps)
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Hernia and appendix
  • Joint reconstructions
  • Kidney and bladder
  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Pain management
  • Skin
  • Tonsils, adenoids and grommets
  • Lung and chest
  • Podiatric surgery
  • Back, neck and spine
  • Blood
  • Dental surgery
  • Heart and vascular system
  • Implantation of hearing devices
  • Plastic and reconstructive surgery & (medically necessary)
  • Pain management with device
  • Insulin pumps
  • Dialysis for chronic kidney failure
  • Sleep studies
  • Hospital psychiatric services
  • Rehabilitation
  • Assisted reproductive services
  • Cataracts
  • Joint replacements
  • Pregnancy and birth
  • Weight loss surgery
  • Access to Mi Health support services
  • Excess options
    Excess doesn't apply to children on your membership
  • Restricted
  • Restricted
  • 24/7 Health Advice Line / Hospital Support / Health Hub / Mobile Health Apps
  • $250, $500
  • 24/7 Health Advice Line / Hospital Support / Health Hub / Mobile Health Apps
  • $0, $250, $500, $750

Essentials Silver Plus Hospital - Services which are normally restricted or excluded will be covered where treatment is required for injuries sustained in an accident after joining this cover.

*Applies to single, couple/family and single parent family memberships on resident covers. Please check with your Rio Tinto HR contact to confirm your eligibility.

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