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United Nations Staff Mutual Insurance Society (UNSMIS) at Geneva



The Society is based at the United Nations Office at Geneva (UNOG). It was set up in 1949 under the United Nations Staff Rules. The Society is administered by an Executive Committee comprising members appointed by the Director-General of UNOG and the Staff Coordinating Council.

The Society reimburses serving and retired staff members of UNOG and international organizations with which UNOG has concluded an agreement (ITC, HCR, UNICEF, WMO in Geneva, UNV,UNFCCC, UNCCD in Bonn and UNSSC in Turin), subject to the Statutes and Internal rules in force, for the costs of medical care in the event of sickness, accident or childbirth.

Contact details

Membership: +41 (0)22 917 31 39

Reimbursements: +41 (0)22 917 31 35

Attestations, guarantees: +41 (0)22 917 20 19

Fax: +41 (0)22 917 02 98

Email: unsmis@unog.ch

Address

Palais des Nations
8-14, avenue de la Paix
1211 Geneva 10


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Hide details for Insurance CoverageInsurance Coverage

Extent of protection

The Society guarantees coverage at all times and in all countries. However, if an insured person decides to obtain medical care away from the duty station or place of residence of the Society member, the maximum sum reimbursable is the lowest cost of equivalent treatment provided in the canton of Geneva.

Prior authorization by the Medical Adviser

Prior authorization in writing by the Medical Adviser of the Society must be requested for certain medical benefits. The member should do this before incurring any expenses, by submitting the prescription for authorization to the Society, which will transmit it to the Medical Adviser. When an estimate is requested, it must be submitted to the Society together with the prescription, so that the Executive Committee can determine to what extent the Society will reimburse the amount of the estimate. Without prior authorization, the Society will refuse to reimburse the invoices.

Agreements with selected service providers

The Society allows you a free choice of doctor, pharmacist or medical establishment. However, in the interests of its members in general, the Society has concluded preferential agreements with a number of service providers. The list is provided by the Society upon request.

In the event of hospitalization in the United States, the member should, if possible, notify the Society before the date of your admission to hospital in order to facilitate the financial arrangements.

Accident and Third-party liability

When a third party may be liable for an illness or accident , the insured person must inform the United Nations Staff Mutual Insurance Society as soon as possible. He/she will then be invited to take all necessary steps to obtain full compensation for the injury from the third party. If someone is entitled to reimbursement from other sources for sickness or accident, the Society will reimburse only the portion that is not reimbursed by the other source, up to the amount normally covered.

Restrictions, forfeiture and suspension of benefits

Expenses in respect of the consequences of accidents occurring before the date of affiliation are not covered by the Society, nor are the cases of injury deliberately inflicted by the insured person on himself. Other limitations are specified in the Rules of the Society.

A member may forfeit his/her rights if it is established that the person concerned has attempted to obtain by fraud benefits to which he or she was not entitled or if the person refuse to undergo a medical examination prescribed by the Medical Adviser of the Society.

Hide details for PremiumsPremiums

Monthly contributions of a staff member on service are calculated as a percentage of net salary. The scale of contributions varies according to the size of the family.

After separation, a former staff member who wishes to continue membership of the Society as a pensioner shall pay a monthly premium calculated on the basis of all the income paid under the terms and regulations of the United Nations Joint Staff Pension Fund. The minimum contribution is calcutated on the basis of a pension corresponding to at least 20 years' service. A former staff member who has not been affiliated for at least 10 years must pay the total amount of the premium, including the subsidy payable by the Organization.

The contribution of members who are staff members in service shall be deducted from their salaries each month by the Organization. The contribution of retired members shall be deducted at source each month by the United Nations Joint Staff Pension Fund and credited directly to the Society's account.

Premiums are calculated in Swiss francs and must be paid in Swiss francs or in United States dollars at a rate specified by the Society.

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