- Mandatory for locally recruited staff away from headquarters, voluntary for eligible retirees and eligible dependants
- Covers medically necessary care at reasonable & customary (R&C) cost
- Covers adequately in duty station and Regional Area of Care (RAC)
- Annual ceiling of 6x MIP Reference Salary per participant per calendar year
- Teleconsultations available through "Cigna Global Telehealth"
- Premium is a percentage on salary. 75% of total premium is subsidized by Member States
- Locally recruited staff must enroll in and maintain UN MIP as primary insurance, even if married to a staff member enrolled in the UN WWP or US-based plans
- Locally recruited staff can be enrolled in their spouse's health insurance as secondary coverage
The UN Medical Insurance Plan (MIP) is a health insurance plan provided to locally recruited UN staff and retirees as well as their eligible family members, serving or residing at designated duty stations away from the headquarters. Insurance coverage is adequate within the country of the staff member’s duty station or regional area of care (RAC). While staff may decide to seek medical care outside the country of their duty station or respective RAC, reimbursement will be limited to the reasonable and customary expenses level applicable to the country of their duty station. Exceptions apply in case of emergency during official travel and approved medical evacuation. Staff are covered for all generally accepted medical, dental and surgical procedures (up to the limits of reasonable and customary expenses). The UN MIP offers a free choice of care provider. Staff are therefore entitled to be treated by the physician of their choice.
Information Material - All about Your Plan
The below resources are designed to provide you with guidance on the onboarding process of the UN MIP which is mandatory for all locally recruited staff serving in offices away from HQ.
Description of Benefits - UN MIP
The below resource is an official outline of the UN MIP.
The below resource provides an overview of the 2021 maxima per MIP duty station. We kindly remind you that, similar to premium contributions, the annual maxima are expressed as a percentage of the MIP Reference Salary per individual person (not per family) in a single calendar year. The MIP Reference Salaries are updated on a yearly basis and vary per duty station.
Additional Benefits and Apps available through the UN MIP
The below resources relate to the Global Telehealth service and well-being application available through the UN MIP (Cigna International).
Claim Process Guidance
The below resource provides you with guidance related to the specific requirements and steps needed to file a claim under the UN MIP.
What is the time limit to submit a claim under UN MIP?
All member claims must reach Cigna within 12 months after the date when the expenses were incurred.
What is a stop loss amount?
‘Out-of-pocket maximum’ refers to the total sum of co-payments paid by all family members in a calendar year. Once the out-of-pocket maximum for covered treatments and services has reached the stop loss limit, the MIP will start reimbursing an additional 80% of the out-of-pocket expenses. This is what is called the ‘stop loss clause’.
Where can I find my overall annual maximum?
The overall maximum equals 6 times the MIP Reference Salary per individual person (not per family) in a single calendar year. The MIP Reference Salaries are updated on a yearly basis.
What is the currency of reimbursement?
By default, claims will be reimbursed in the currency of the MIP participant’s salary/pension. Exceptions apply in accordance with ST/AI/2015/3.
Does UN MIP provide worldwide coverage?
Insurance coverage is valid within the country of your duty station or regional area of care. While you may decide to seek medical care outside the country of your duty station, reimbursement will be limited to the reasonable and customary expenses level applicable to the country of your duty station.
Is prior approval required under UN MIP?
Prior approval from Cigna’s Medical consultant is required for all non-emergency hospitalisations. Notification of such hospitalisations should be given at least 1 week
prior to the admission date.
What is a Regional Area of Care (RAC)?
For each country with inadequate medical facilities, the UN MIP has established a ‘regional area of care’, i.e. a specific neighbouring country or region designated by the UN, where staff members can seek medical treatment without requesting approval for a medical evacuation. Medical expenses incurred in such areas will be reimbursed up to the limits of reasonable and customary expenses of the country where the treatment or service is provided.
What coverage will apply when care is sougth on Official Duty Travel?
Expenses for emergency treatment will be reimbursed according to the pattern of charges for professional and other health services prevailing in the country where the expenses are incurred. Expenses for non-emergency treatments will be reimbursed according to the pattern prevailing in the country of the staff member’s duty station. DT is not available for retirees/ASHI participants.