Premium Contributions

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.

The Premiums 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.

The percentage of premium contributions is calculated on the basis of net salary. In the case of UNSMIS net salary is defined in Rule VII paragraph 2. (b) as gross basic salary less staff assessment, plus post adjustment, non-resident's allowance and language allowance where applicable.

In the case of a Retiree who elects for coverage after separation the monthly contribution shall be calculated on the basis of all the income paid under the terms of the Regulations of the United Nations 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Staff Pension Fund, or appendix D of the Staff Rules, or both, taking into account, where appropriate, the lump sum withdrawn on retirement.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 the basis of a pension corresponding to at least 20 year’s service for staff members recruited before 1 July 2007 and 25 years service for staff members recruited on the 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.

Below is the schedule of contributions pertaining to the participant's share for the period 1 Januray 2016 onwards.

CATEGORY OF PERSON INSURED

Percentage on Net Salary

 

Payable Insured Person

Payable by Organization

 

Staff Member Only

 

3.4%

3.4%

 

Staff Member with One Dependent

 

4.4%

4.4%

 

Staff Member with more than One Dependent

 

4.8%

4.8%

 

Retired Member Only

 

3.4%

6.8%

 

Retired Member with One Dependent

 

4.4%

8.8%

 

Retired Member with more than One Dependent

 

4.8%

9.6%

 

Family Members not recognized as dependents and/or Secondary dependents can also be insured with UNSMIS. In such cases a flat premium, entirley 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.

Specially protected persons

Non-dependent spouseCHF 350 

Non-dependent unmarried child under 21 years of age
   
CHF 130 

Dependent unmarried child from 21 to 24 years of age
   
CHF 130 

 

Dependent unmarried child from 25 to 29 years of age

CHF 200 

Father, mother, brother or sister considered as secon­dary dependents

CHF 500