All Users, Cooperation Associates (COAS) and Visiting Scientists (VISCs) specifically and all Associated Members of the Personnel (MPAs) in general must have health and accident insurance (including protection against occupational illnesses and occupational accidents) providing adequate cover in Switzerland and France, as well as in any countries visited on duty travel.
Additionally, any accompanying family members must also have health and accident insurance providing adequate cover in Switzerland and France.
If, for any reason, the home institution is unable to provide the MPA with such health and accident insurance, it must be obtained by the MPA. Nevertheless, the home institution ensures that such insurance is obtained and is adequate by signing the Home Institution Declaration (HID).
In accordance with the CERN Medical Service, "adequate cover" means the following list of criteria needs to be fulfilled:
- Coverage must include both France and Switzerland (as required in the HID, some insurance policies do not cover Switzerland).
- Coverage must include protection against occupational illnesses and occupational accidents (as required in the HID, needs business or work option for travel insurance).
- Coverage must be provided whether an emergency case or not (some travel insurance policies only cover emergency treatment).
- Coverage must include maternity (for women).
- Coverage must include treatment in the event of epidemics and pandemics (i.e. Covid-19).
- Limit for maximum medical expenses per case must be sufficiently high, i.e. at least 500,000 EUR per case (some insurances have a rather low limit, e.g. 50,000 EUR per case, which is insufficient).
Users, COAS and VISCs are strongly advised to carefully review their insurance documents, in particular the general conditions and the table of benefits (if existing), to check whether the above criteria for adequate cover are fulfilled. Travel insurance or expat insurance companies usually offer several insurance plans with different options, benefits and limits. Basic insurance plans are usually insufficient.
It is not possible for Associated Members of the Personnel (MPAs) to become voluntary members of the CHIS, irrespective of their conditions of association with CERN.
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 who are living in France or Switzerland). Each covered person must be registered and paid for individually.
The insurance covers a range of in-patient and out-patient treatments, as well as evacuation and repatriation, Health & Wellness support programme, Digital Health App, MyHealth Digital Services, second medical opinion service and more. It includes cover for the financial consequences of illness and accidents, including occupational illness and occupational accidents to the same reimbursement conditions. Conditions and benefits fulfil CERN’s requirements of adequate health insurance cover in Switzerland and France, as well as in any countries visited on duty travel.
The insurance is valid worldwide with the exception of the USA where only emergency cover is available. No health examination or questionnaire is required and pre-existing conditions are not excluded from the cover.
In order to be eligible, the MPA and family members need all to be under the age of 75 years at the date of inception of their cover and have a valid contract of association with CERN. In addition to the above, cover for members residing in Switzerland without a valid Swiss Legitimation Card "P" is limited to an overall maximum period of 90 days.
The insurance can start at any time during the MPA’s contract of association. The period of cover can be chosen between 30 days (minimum) and 1 year (maximum) and can be extended. Premiums are different for adults and children (80% of adult premiums) and are fixed and guaranteed from 1 January to 31 December each year. Payments are possible through credit card or bank transfer (single payment or quarterly payments).
See the Allianz Care Healthcare Plan for CERN MPAs web page for full details and for online registration, and presentation at the 135th ACCU meeting on 15 March 2022 on New Allianz Healthcare Plan for CERN MPAs.
Important note: This information is made available as a service to the CERN community. Whilst best efforts have been undertaken to verify the adequacy of the coverage, CERN accepts no liability in respect thereto.
Allianz helpline for CERN MPAs : +32 2 210 6501
Please provide a proof of payment (to: firstname.lastname@example.org ) when contacting Allianz regarding the status of your policy or payment.
Important: please include your policy number as bank transfer reference when making your insurance payment to help Allianz identify it.
Allianz Care - Information Session > Video recording of the session
International Travel Insurance for professional travellers
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 provides 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 when the travel insurance includes a "work option" or similar. Please read the table of benefits and general conditions to check whether these benefits are included.
However, travel insurances are typically subsidiary insurances, in addition to a primary 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 types "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 a 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:
- Presentation at the 135th ACCU meeting on 15 March 2022 on New Allianz Healthcare Plan for CERN MPAs
- Results of Users Office Survey on Health Insurance (June 2013)