The Allianz Care Healthcare Plan for CERN MPAs is a private insurance for Associated Members of the CERN Personnel (MPAs) and their accompanying family members (financially dependent spouse or partner and children). Each covered person must be registered and paid for individually. The insurance is valid worldwide with the exception of the USA. This insurance covers a range of in-patient and out-patient treatments, as well as evacuation and repatriation. It includes cover for the financial consequences of illness and accidents, including occupational illness and occupational accidents to the same reimbursement conditions.
In order to be eligible, the MPA must have a valid contract of association with CERN. The necessary certificate of pre-registration is delivered automatically when having successfully pre-registered. In addition to the above, cover for members without a valid Swiss "P" legitimation card and who reside in Switzerland is limited to an overall maximum period of 90 days.
See Allianz Care Healthcare Plan for CERN MPA web page for full details and for online registration.
The insurance can start at any time during the MPA’s contract of association. The period of cover can be chosen between 30 days and 180 days and can be followed by a new period of cover. The premium for the Allianz Care Healthcare Plan for CERN MPAs is fixed and guaranteed from 1 April each year until 31 March of the following year.
Important note: This information is made available as a service to the CERN community. CERN is not a party to the insurance contract with Allianz Care. Whilst best efforts have been undertaken to verify the adequacy of the coverage, CERN accepts no liability in respect thereto.
Further information is available on the web site of the Advisory Committee for CERN Users (ACCU).
International Travel Insurance for professional travellers
An International Travel Insurance might be an option for short-term stays, provided that the insurance includes health and accident insurance (including protection against occupational illnesses and occupational accidents) and is providing adequate cover in Switzerland and France, as well as in any countries visited on duty travel, as specified in the Home Institution Declaration HID. This is usually the case, if the travel insurance includes a "work option" or similar. Please read the table of benefits and general conditions, if these benefits are included.
However, travel insurances typically are subsidiary insurances, in addition to an insurance in the home country. As such, they have a limited number of benefits, e.g. usually no preventive care, no maternity benefits, no treatment of a pre-existing medical condition and any of its consequences or complications, etc. The maximum benefit might also be insufficiently low. The Allianz health insurance for MPAs is a more comprehensive insurance with more benefits (for a higher premium than typical travel insurances) and is more recommended for longer-term stays and MPAs with family.
Holders of a Swiss legitimation card "P" and their family members, if holders of a legitimation card "B", "C", "D", "E", "G", "L", "P" or of a Ci permit, can take out voluntary membership with the Swiss LAMal insurance during the first 6 months from the date of issue of the legitimation card. The health insurance becomes effective retroactively as of the date the legitimation card is received. Further information is available here.
Recent ACCU presentations on healthcare:
UNIQA offers optional insurance protecting against the financial consequences of disability or death following a private or professional accident during a stay at CERN. However, Accidenta C-225 does not qualify as the required health or accident insurance.