Plan Details

Rio Tinto has partnered with Cigna Health to provide you with comprehensive healthcare. Cigna is one of the world's largest providers of employer-sponsored healthcare benefits and services, offering truly global coverage to meet the needs of our globally mobile employees.

The level of reimbursement varies by benefit, and certain limits, conditions and exclusions may apply. It is recommended that you reach out to Cigna to obtain details of coverage for your required healthcare services. This will help verify the coverage on the plan, any special provisions that may apply and to source a local healthcare service provider in your region. See Contacts to reach Cigna.

It is recommended that you share your membership information and plan benefit details with family members for reference in case of an emergency.

Country-specific details

Depending on your location, certain information and procedures may vary. Countries with specific details are included below. Please refer to information for both your home country and the country of your work location to see if there are any special provisions for you.

Australia*

Brazil*

Canada*

France

Guinea, Madagascar

Hong Kong*

Mongolia

Singapore, Malaysia, Indonesia*

South Africa*

Spain*

United States

All other countries -

standard Cigna plan provisions apply; please refer to the Cigna Member Handbook

*CignaLinks countries - Cigna has partnered with local healthcare providers in certain locations. Members covered in any of these locations will receive a cobranded or separate CignaLinks card for use in that location. This will allow for seamless access to services and settlement of claims in the CignaLinks location. For treatment outside of the CignaLinks location, the electronic Cigna card should be used.

Australia is a CignaLinks region. Members in Australia have access to a local network offered through GU Health (Grand United Health).

Upon enrolment, you will receive a physical GU Health membership card to use to allow for the settlement of medical benefits in Australia. You must use this card for medical services in Australia. For medical treatment outside of the region, and for dental and vision claims, you will use your regular Cigna card and claim back related expenses you have incurred from Cigna.

Please refer to the “What to Do When” documents below for an illustration of the claims process.

Australian citizens outbound from Australia

The International Healthcare Plan will provide coverage for medical, prescription drug, dental, vision and EAP services for Australian citizens on assignment. Please see the country of your assignment for details regarding the Cigna program available in your host country.

Maintenance of compliant coverage within Australia: Australia is a CignaLinks region and coverage within Australia is provided through Cigna's partner, GU Health. To ensure compliance with Australian healthcare regulations, Australian citizens (and other tax residents of Australia) must maintain compliant medical coverage within Australia.

If you remain a tax resident of Australia (with eligibility for Medicare), you have the following options:

• Option 1: Maintain your current Australian private plan (for example, Medibank Private) at your own cost, or
• Option 2: Suspend your current Australian private plan (e.g. Medibank Private) and elect compliant domestic Australian coverage through GU Health, Cigna's CignaLinks partner within Australia. If Medibank Private is suspended, it is recommended that Australian tax residents enroll with GU Health to avoid levy surcharges upon return to Australia. You will receive a tax form from GU Health at the conclusion of the tax year.

Actions required: To finalize your Cigna enrolment, you must complete a GU Health Australia Health Cover Enrolment Form (AHCEF) indicating your domestic Australian coverage election, and submit this form to Cigna. The AHCEF will be emailed to you upon enrolment in the plan, and is also provided below. Consult your tax advisor for assistance completing the form as required.

Please see the CignaLinks GU Health FAQs below for more information.

Brazil is a CignaLinks region. Members in Brazil have access to a local network offered through Gama Saúde.

Upon enrolment, you will be mailed an additional CignaLinks Gama Saúde membership card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. For medical treatment outside of the region, you will use your regular Cigna card.

Canada is a CignaLinks region. Members inbound to Canada have access to the provider network offered through Cowan Insurance Group.

Upon enrolment you will be mailed an additional CignaLinks card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. This card will be a cobranded Cowan/Cigna Pay Direct ID Card and must be activated when received. Follow the instructions provided with your card.

For medical treatment outside of the region, and for dental and vision claims, you will use your regular Cigna card.

Canadian citizens outbound from Canada

The International Healthcare Plan will provide coverage for medical, prescription drug, dental, vision and EAP services for Canadian citizens on assignment. Please see the country of your assignment for details regarding the Cigna program available in your host country.

Members from Canada will also receive a CignaLinks Cowan/Cigna cobranded card for use when at home (see above).

Life, accident, critical illness and disability coverage will be provided under the domestic Canadian Reflexion program. For information about the Reflexion Benefits Program, please contact the Rio Tinto Benefits Centre at 1-866-377-7848 (North America only) or 1-416-351-5381. Information may also be accessed at the following website: www.tractusweb.com/memberPortal/RioTinto/login.tpz.

Canadian reference documents (in French): Benefits at a glance (French version)

For members in France: Assignees inbound to France will use the standard Cigna ID card and Cigna claims process as described in the Cigna Member Handbook.

For French citizens outbound from France: International coverage for French citizens outbound from France is provided by Cigna. Coverage and claims procedures follow the standard processes as described in the Cigna Member Handbook, with the exception of International Assignees with Expat Status, see below.

Cigna and International SOS (ISOS) work closely to provide healthcare support in Guinea and Madagascar. If a medical emergency occurs while you are in one of these countries, call ISOS immediately so they can help coordinate your care. See Contacts. You may also contact ISOS for medical advice and assistance with any healthcare needs. ISOS can help locate suitable providers for you and will coordinate with Cigna to settle medical claims. Please consult your local host to confirm site-specific emergency procedures.

Hong Kong is a CignaLinks region. Members in Hong Kong have access to the network offered through QHMS. Upon enrolment, you will be mailed a co-branded CignaLinks card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. For medical treatment outside of the region, you will use your regular Cigna card.

Cigna and International SOS (ISOS) work closely to provide healthcare support in Mongolia. If a medical emergency occurs while you are in Mongolia, call ISOS immediately so they can help coordinate your care. See Contacts to reach ISOS. You may also contact ISOS for medical advice and assistance with any healthcare needs. ISOS can help locate suitable providers for you and will coordinate with Cigna to settle medical claims. Please consult your local host to confirm site-specific emergency procedures.

This region is a CignaLinks region. Members in Singapore, Malaysia and Indonesia have access to the Singapore network offered through ParkwayHealth. Upon enrolment, you will receive a co-branded Cigna and ParkwayHealth CignaLinks card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. For medical treatment outside of the region, you will reference your Cigna coverage.

This region is a CignaLinks region. Members in South Africa have access to the provider network offered through MSO. Upon enrolment, you will be mailed an additional CignaLinks card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. For medical treatment outside of the region, you will use your regular Cigna card.

Members from South Africa will also receive an additional CignaLinks MSO card for use when at home.

Spain is a CignaLinks country. Members in Spain have access to the network offered through Cigna Global Health Benefits - Spain. Upon enrolment, you will be mailed an additional CignaLinks card to use with medical providers and to allow for the settlement of claims in your CignaLinks region. For medical treatment outside of the region, you will use your regular Cigna card.

For members in the U.S.

Members in the United States have access to Cigna's Preferred Provider Network of medical and dental providers. Information regarding participating providers can be found on the CignaEnvoy member portal (see Contacts). Members can visit any provider, but fees may be lower and claims processed automatically if a network provider is seen.

Regardless of home country, assignees to the U.S. should use their Cigna card to seek care.

See the Cigna Member Handbook.

U.S. citizens outbound from the United States

The International Healthcare Plan will provide coverage for medical, prescription drug, dental, vision and EAP services for U.S. citizens on assignment. Life, accident and disability insurance will continue to be provided through the domestic U.S. plans. Each year you will have the opportunity to make changes to your U.S. benefits during an annual open enrolment period. Changes elected will become effective at the beginning of the following year. Contact the Rio Tinto U.S. Benefit Service Center with questions regarding domestic U.S. benefits: Outside the U.S. 1-602-797-6299 or 1-800-950-1435 inside the U.S.

U.S. citizens outbound from the United States maintain the option to return to the U.S. for medical care.