Optical

Corrective eyeglasses (including contact lenses, bifocal or trifocal lenses or progressive lenses or any other corrective lens) are covered provided that they are certified as necessary by an oculist, ophtalmologist, optician or optometrist.

  • Reimbursement is at 80% subject to a maximum annual ceiling of CHF 450 per annum.
  • Frames for corrective eyeglasses are also reimbursed at 80% subject to a maximum annual ceiling of CHF 75 per annum.

 

Attention: for temporary staff with contracts of less than 3 months, optical care is excluded.

 

VERY IMPORTANT Please note:

  • The prescription must indicate the corrective value in dioptres. FAILURE TO PROVIDE THIS WILL RESULT IN REIMBURSEMENT BEING DECLINED
  • The annual ceilings of CHF 450 and of CHF 75 can both be accumulated over a maximum period of two calendar years (i.e. the maximum ceiling can be CHF 900 and CHF 150 in the second calendar year assuming no optical expenses were submitted for reimbursement during the first year)
  • The Supplementary Plan is NOT applicable in the case of Optical Care.
  • In the case of new membership the annual ceiling is accrued on a prorate monthly basis. For example member who joined the society three months ago will not have the full annual ceiling, they will accrue 1/12 of the CHF 450 ceiling every calendar month. After 3 months the insured member will have accrued 3/12 of the annual ceiling, which equates to CHF 112.50. Same applies for Frames, with the annual ceiling for frames being CHF 75
  • For staff joining UNSMIS who have been covered under a similiar plan of the United Nations family of Organization for more than two years without any break of affiliation, the full annual credit given will be available from the first day of affiliation (upon presentation of an attestation of coverage from the previous insurance).

 

The Optical Credit Balance changes at the start of each year because you can accumulate credits only for the last two years. The optical credit of each member, as explained above, is CHF 450 per year cumulative over 2 years, except for new members during the first year of affiliation for whom the calculation is prorated on the number of months of affiliation. It is important to note that due to the 24 month accumulation limit,  expenses will always erode the credits of the current year and subsequently any carry over from the previous year. Hence if you have in 2021 a balance of CHF 450  and CHF 200 carried over from 2020, you have a total of CHF 650 for 2021. If you are reimbursed CHF 500 in 2021 for dental expenses, you will have no credit carried over to 2022 as firstly the 2021 credit is eroded, then the remainder is reimbursed with the 2020 credit brought forward to 2021 (which cannot be brought forward to 2022).

Refractive Surgery of the Cornea (Laser Surgery)

The procedure is reimbursed at 80% subject to a ceiling of CHF 2,000 per eye as a lifetime limit.

 

VERY IMPORTANT Please note:

  • The Supplementary Plan is NOT applicable in the case of Optical Care.
  • Refractive surgery for presbystia is not reimbursable.