Benefits

Navigating the health insurance benefits you are entitled to — and understanding the conditions that apply — is not always easy.

In addition to Rule VIII, Annex II, and Annex III of our Internal Rules, this page aims to provide a clear, up-to-date overview of your benefits and their limitations.

To learn about the coverage of a specific treatment, medication, or medical appliance, simply click on the relevant benefit category, then select a narrower subcategory. For example, if you are looking for the reimbursement rate and coverage ceiling for physiotherapy sessions, click on Ambulatory & Home Care, then choose Functional Rehabilitation to see all relevant information.

Alternatively, you may also type “physiotherapy” in the search bar to find the relevant article.

For benefits indicating that the Supplementary Plan applies, eligibility is limited to members in the Main Plan and to family members enrolled as Specially Protected Persons (SPP). As specified in Annexes IV and V of the Internal Rules, the Supplementary Plan does not apply to holders of a Temporary Contract of less than three months or to secondary dependents.

If you do not find the answer you are looking for, feel free to contact us at unsmis@un.org for guidance.