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.
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
Palais des Nations
8-14, avenue de la Paix
1211 Geneva 10
Membership is open to staff members of the United Nations posted or serving at Geneva and staff members of international organizations in the United Nations family with which the United Nations Office at Geneva has concluded an agreement concerning the admission of their staff members into the Society.
Membership of the Society is not mandatory. The staff member must apply for admission within 31 days of his/her entry on duty. A member of the Society (with the exception of staff members holding temporary contracts) may obtain coverage by the Society for a dependant spouse and unmarried children under the age of 21 years. Unmarried children over the age of 21 years may be covered until they reach the age of 30 years provided they are in full-time attendance at a school or university and are dependant on a staff member.
Applications for membership and for coverage of family members entail acceptance of the Society's Statutes and Rules.
After-service coverage is available, subject to a combination of at least five years' prior membership of either the Society or an insurance scheme of the United Nations and of receipt of a periodic retirement benefit in accordance with the Regulations of the United Nations Joint Staff Pension Fund. The spouse and dependant children of a former official who were affiliated to the Society at the time of cessation of service of a staff member may remain covered.
The date of separation from the Society, which determines the end of the period of membership, is taken to be the date of separation from service with the organization or the date on which the conditions laid down in the rules and regulations cease to be met (for instance, the date of the thirtieth birthday of a child or the day on which a child marries).
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.
In the event of sickness, accident or maternity, the Society refunds medical expenses at the rates specified in its Internal rules. Members of the Society are personally liable for payment of the medical expenses for which they may claim reimbursement. The Society does not settle bills directly with members' creditors.
Expenses incurred in respect of any of the acts listed in the Internal rules, unless otherwise stated, shall be reimbursed at a rate of 80 per cent. For certain medical benefits the prior authorization of the Society must be requested in writing to the Medical Advisor. Such authorizations are only valid for a period of six months running from the date on which they are granted.
In the event of hospitalization, the Society will, upon request, issue insurance certificates or guarantees. Reimbursement is normally limited to 30 days' hospitalization per case. Prolongation of hospitalization beyond this time-limit is subject to the approval of the Society's Medical Adviser.
All claims must be made within twelve months of the date on which the relevant bill or account is established. Only staff members may make claims. Reimbursement is effected by the Financial Resources Management Service of the United Nations Office at Geneva. Expenditure incurred in currencies other than Swiss francs will be reimbursed in Swiss francs at the official United Nations exchange-rate applicable on the date of processing the invoice.
- Doctors' fees
- Medical Imagery, laboratory analysis and tests
- Out-patient medical fees in a medical establishment
- Surgical operations (with the exception of aesthetic surgery)
- Hospitalization in public ward or semi-private room in an establishment approved by the competent health authorities of the country concerned. The supplement for a private room is not reimbursable. Prior authorization is required over 30 days
- Post-hospital and/or post-operation convalescence
- Long-term hospitalization is limited to 365 days
- Medical or paramedical benefits related to a long-stay in a medical establishment or medicalized nursing-home are limited to a maximum daily allowance
- Benefits for care in the home are limited to a maximum daily allowance. Prior-authorization is required
- Functional rehabilitation for prescribed treatments with a maximum allowance per session and a limited number of sessions per calendar year
- Pharmaceuticals products reimbursable according to the criteria of the competent health authorities of the country concerned
- Preventive medecine
- Odonto-stomatological treatment (dental treatment) limited to a maximum annual allowance