What is my Optical Credit Balance?

Each member has an optical credit for lenses/optical lenses of CHF 450 per year cumulative over 2 years (ie a total maximum of CHF 900) and for the frames CHF 75 per year cumulative over 2 years (ie a total maximum of CHF 150) except for new members during the first year of affiliation for whom the calculation is in prorate to the number of months of affiliation. Optical care is reimbursed at 80% up to the credits available when the purchase has been made.


It is imperative to note that expenses will always erode the credit of the year in which the expenses were encountered first. Should this be insufficient then any carried over credit from the previous year will be further eroded.  This basically means that if you have expenses of CHF 450 or more any given year you will not carry over anything to the next year.


For Example:


2020 credit carried over to the next year CHF 450


2021 starting credit CHF 450 + CHF 450carried over for a total of CHF 900


In 2021 optical expenses totalling CHF 700.


CHF 450 are offset against the 2021 credit and then the remaining CHF 250 from the 2020 carry over. Although total expenditure is CHF 700 there will be no carry over to 2022 because the 2021 credit was entirely used up and the 2020 balance cannot be brought forward another year past 2021.


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


For staff and members and their family who have been insured under a seperate health plan of an organization part of the United Nations system for at least three year prior to joining UNSMIS, dental and optical credits are opened at date of affiliation in proportion to months left until year end, rather than accruing on pro-rated basis.

Example : a staff member who was insured with a New York plan for more than three years and joins the Society on 1 May will have the following credits : dental : CHF 2,500.- ÷ 12 x 8 = CHF 1,660.67 ; optical : lenses : CHF 450 ÷ 12 x 8 = CHF 300; frames : CHF 75 ÷ 12 x 8 = CHF 50.