Claims and Benefit Inquiries and Disputes

Claims questions should always be taken up in the first instance directly with the insurance company concerned. The addresses and relevant telephone numbers of the insurance companies are listed in the insurance directories. The staff of the Insurance and Disbursement Service is available to assist staff members in administrative matters concerning participation in the various Headquarters insurance plans, and problematic claims issues.

Staff members are reminded that the plan descriptions set out in annexes I to IV constitute summaries of the benefits available under the respective plans. Care has been taken to ensure that the plan summaries are as comprehensive as possible. A more detailed description of the benefits of each plan, including certain exclusions and limitations, is set out in the Summary Plan Description (SPD) booklet.

In the event of a claim dispute with any of the insurance carriers or plan administrators concerned, the resolution of such dispute will be guided by the terms and conditions of the policy contract in question and the final decision will rest with the insurance carrier or plan administrator and not with the United Nations.