Short-Term Unplanned Medical and Death and Disability Insurance for CERN MPAs 

Short-Term Unplanned Medical and Death and Disability Insurance for CERN MPAs 

Overview

The Cigna Short‑Term Unplanned Medical Insurance Plan is a private healthcare insurance designed for Associated Members of the CERN Personnel (MPAs) coming to CERN for:

  • a short assignment (maximum 90 days within any 180‑day period), or
  • multiple short visits, provided the total stay does not exceed 90 days within any 180‑day period.

Not eligible :

  • MPAs registered at more than 55%
  • Holders of a CERN legitimation card

This insurance plan is strictly personal and does not cover family members.

Coverage

The policy reimburses unplanned and medically necessary medical, hospital, and dental treatments based on reasonable and customary charges in the country of care.

  • Maximum benefit: CHF 75,000 per insured person over any 12 consecutive months

Coverage highlights:

  • 100 % of reimbursement for hospitalisation and inpatient treatment
  • 100% of reimbursement in laboratory exams, when prescribed by doctor
  • Up to 600 CHF in dental treatment in any period of 12 consecutive months
  • 50% of reimbursement up to 600 CHF in psychiatric reimbursement in a six-month period
  • Multilingual TeleHealth Generalist Practitioner Consultations

Capital benefits:

  • 10,000 CHF in the event of death
  • 75,000 CHF in the event of total and permanent disability

It includes cover for the financial consequences of illness and accidents to the same reimbursement conditions.

Worldwide coverage

Pre-existing conditions are covered in the event of unplanned and medically necessary situations, but not the long-term treatment that could have been foreseen or could wait until return to the home country.

Fulfillement of CERN's requirements

The conditions and benefits of the Cigna Short Solution for CERN MPAs fulfil CERN’s requirements of adequate health insurance cover in Switzerland and France, as well as in any countries visited on duty travel.

The cover provided is not a substitute for local compulsory health insurance in your home country or host country, France or Switzerland.  Please note that it is your responsibility to ensure that your health insurance cover is legally appropriate.

Eligibility

To be eligible, MPAs must hold a valid contract of association with CERN and must not hold a legitimation card.

Start and Duration of Cover

  • Coverage can start up to 5 days before the start date of your CERN assignment

  • Coverage can end up to 5 days after the end date of your assignment
    • This ensures coverage during travel to and from CERN

Coverage limits:

  • Minimum duration: 2 weeks

  • Maximum duration: 90 days within any 180‑day period

Premiums and benefits :

The monthly premium is 102.50 CHF.

  • Premiums are calculated pro rata based on the annual rate.  

  • The daily rate is calculated as follows:

    (102.50 × 12) ÷ 365 = 3.37 per day

    This daily rate is then multiplied by the number of days of coverage.

    Example:
    For 20 days of coverage:
    3.37 × 20 = 67.40

Payment is currently only available via bank transfer. Credit card payments will be restored in July.

How to Subscribe :

CERN - Cigna Healthcare

Help & Contact:

Cigna  : + 32 3 217 68 66

You can direct your queries on coverage, claims paid and reimbursements to Cigna's Medical Claims Center:

clientservice1@cignahealthcare.com

Phone + 32 3 217 68 66

Fax + 32 3 663 28 57

We herewith kindly invite you to have a look at your personal webpages at www.cignahealthbenefits.com where you can find all relevant information about your health care insurance plan.

The website shows you different tabs with information on coverage, direct payment, claims procedure, forms, contact data and Cigna’s proprietary provider list.

If you have already claimed and have received a personal reference number, log in as follows:

  • Go to www.cignahealthbenefits.com and click Plan members.
  • Enter your own personal reference number;
  • Enter the password we have sent you by email.

 

Important note: the information above 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.