Am I entitled to the 3 300 CHF ceiling for dental treatment in my first year of CHIS membership?
This depends on when you joined the CHIS, as the annual ceilings are reduced prorata temporis according to your length of membership. The table below explains the ceilings that apply to dental treatment if you joined the CHIS on 1 September of a given year and have a three-year contract ending on 31 August:
| Year | Annual ceiling | Cumulated total |
|---|---|---|
| Year 1 | 3 300*4/12=1 100 CHF | 1 100 CHF |
| Year 2 | 3 300 CHF | 4 400 CHF |
| Year 3 | 3 300 CHF | 7 700 CHF |
| Year 4 | 3 300*8/12=2 200 | 8 800 CHF* |
| Year 5 | 9 900 CHF |
* I.e. Year 4 (n)=2200 + Year 3 (n-1)=3300 + Year 2 (n-2)=3300. The unused ceiling from Year 1 (n-3) is lost.
If you are unsure of the amount of your ceilings (dental and optical), you can find them in your personal account at myUNIQA.ch under “More services”.