Health Insurance

Normal health insurance provides for the reimbursement of a major portion of the reasonable and customary expenses resulting from medical treatment that are incurred by Compulsory and Post-Compulsory Main Members, and, Subsidiary Members who are benefiting from this cover.

Benefits

You can consult the list of benefits in Annex I of the CHIS Rules to find out how the various expenses will be reimbursed and whether any special conditions apply. You will also find in this Annex I details of reimbursement rates and expenditure ceilings.

Claiming reimbursement of medical expenses

You may claim reimbursement up to 12 months after the date of issue of the invoice. After one year, refund requests for reimbursement of medical expenses will no longer be accepted.

To claim your medical expenses for reimbursement, you need to:

Submit your reimbursement claims to our third-party administrator, UNIQA, electronically via MyUNIQA website or app. Reimbursement claims must be accompanied by the supporting documents (bills, prescriptions, proofs of payment, etc.), and you must keep the original documents for two years. More information here.

In the event of a non-professional accident, in addition to the CHIS/F01 form, the completed CHIS/F02- Declaration of non-occupational accident form must be attached. For subsequent claims for reimbursement for the same accident, simply tick the accident box on the reimbursement form and indicate the date of the accident.
In the event of an occupational accident, see the insurance against the consequences of occupational diseases and accidents page.

Once a correctly completed claim for reimbursement has been received by the UNIQA Geneva office, reimbursement is usually made within a fortnight. Please note that the delay does not take into account the time for your claim to reach the Geneva office by post, nor the time needed for the bank transfer. Reimbursement times may also be affected by seasonal peaks, in particular around the beginning of the year.

Reimbursements are made in Swiss francs by bank transfer, and you will receive notifications of reimbursement both by postal mail and electronically to your account on UNIQA’s Extranet. Should you prefer to receive only electronic documents, you may change these settings at any time on MyUNIQA.

Request for advance reimbursement

In special circumstances and after prior written request from the Member via CHIS/F04 form, the Third Party Administrator may make an early repayment of an invoice for high medical expenses. For more information, please contact the UNIQA office at CERN.