The United Nations Staff Mutual Insurance Society against Sickness and Accident is a medical insurance fund that is subsidized by the participating Organizations. Contributions for Active Staff are subsidized by 50% by the Organization, increasing to two thirds in respect of Retired Staff. A dependent spouse and dependent children may also be included in the coverage of the staff member.
Family members not recognized as financially dependents and/or Secondary dependents can also be insured with UNSMIS as Specially Protected Persons (SPP). In such cases a flat premium, entirely funded by the insured, is deducted from the staff member's salary. Please refer to Annex IV of the Internal Rules to fully understand the limitations of coverage for dependent parents and siblings. If an insured family member has SPP status upon retirement of the paying member, then, if they are eligible for ASHI, they may remain insured but only as a SPP. For further details please visit the dedicated page Dependents and SPPs.
Premia are payable for the full month for each month of the calendar year. Hence if an individual becomes affiliated on the 10th day of any given month for example, the premium for the month will be paid in full with no pro-rata calculation.
CATEGORY OF INSURED PERSON | PAID BY INSURED PERSON | PAID BY ORGANIZATION |
STAFF MEMBER ONLY | 3.4% OF NET SALARY* | 3.4% OF NET SALARY* |
STAFF MEMBER WITH 1 DEPENDENT | 4.4% OF NET SALARY* | 4.4% OF NET SALARY* |
STAFF MEMBER WITH 2 OR MORE DEPENDENTS | 4.8% OF NET SALARY* | 4.8% OF NET SALARY* |
RETIRED MEMBER ONLY | 3.4% OF PENSION** | 6.8% OF PENSION** |
RETIRED MEMBER WITH ONE DEPENDENT | 4.4% OF PENSION** | 8.8% OF PENSION** |
RETIRED MEMBER WITH 2 OR MORE DEPENDENTS | 4.8% OF PENSION** | 9.6% OF PENSION** |
SPECIALLY PROTECTED PERSONS (SPP) | FLAT PREMIUM PAID BY INSURED PERSON | PAID BY ORGANIZATION |
NON-DEPENDENT SPOUSE | CHF 500 | - |
NON-DEPENDENT UNMARRIED CHILD UNDER 21 YEARS | CHF 150 | - |
DEPENDENT UNMARRIED CHILD BETWEEN 21 – 24 YEARS | CHF 150 | - |
DEPENDENT UNMARRIED CHILD BETWEEN 25 – 29 YEARS | CHF 230 | - |
FATHER, MOTHER, BROTHER OR SISTER CONSIDERED SECONDARY DEPENDENT | CHF 575 | - |
*For purposes of this calculation "net salary" means gross basic salary less staff assessment, plus post adjustment, spouse allowance, single parent allowance, transitional allowance, non-resident's allowance and language allowance where applicable.
**For retirees the monthly contribution is calculated on basis of all income paid under the Terms and Regulations of the UN Joint Staff Pension Fund, or appendix D of the Staff Rules, or both, taking into account, where appropriate, the lump sum withdrawn on retirement. The minimum contribution is calculated on basis of a pension corresponding to at least 20 years’ service for staff members recruited before 1 July 2007 and 25 years’ service for staff members recruited on 1 July 2007 or thereafter.
For more detailed information on the rules governing monthly premium contribution, as well as situations of Part Time work and Special Leave Without Pay please refer to Rule VII of the Internal Rules.
Insurance coverage is contingent on the insurance premia being paid in full. Failure to pay the premium owed can result in coverage being deemed null and void for the concerned period. In some circumstances, if the insurance risk has been carried by UNSMIS, insurance premia will have to be collected retroactively, irrespectively if any claims were submitted during the period in question.