Frequently Asked Questions - Retirees and Survivors

For new subscribers, cards are shipped by the insurance carriers to subscribers’ mailing addresses 10 business days after the upload of the Insurance Eligibility file which is transmitted to the Insurance carriers, mid month and end of month.  Please allow 3 – 4 weeks upon enrolment.

To obtain a replacement card you must contact member services of the applicable insurance carrier (Aetna, CIGNA, Empire).                   

For details regarding contacting your insurance carrier, please visit either their page on this website or the current Information Circular.

IMPORTANT: There are no cards for subscribers of the UN short term.


For Aetna, Empire, and CIGNA Dental subscribers please access insurance carrier's website to register and print or request a card. Your ID numbers are as follows:

IMPORTANT: (If your index number is less than 6 digits add zeros in front of your index to make up the 6 digits)

Aetna: ID number: 000 + staff member’s six digit index #

BlueCross: Please refer to the full announcement explaining the new ID structure

CIGNA Dental:  R + staff member’s 8 digit index # (Please refer to full announcement explaining the new ID structure)


Group Policy # are as follows:

Aetna:           014008-12-008 (UN Staff)

                     014008-14-008 (UNDP Staff)

                     014008-15-008 (UNICEF Staff)


Aetna Global:  620538-12-001 (UN Staff)

                      620538-12-001 (UNDP Staff)

                       620538-12-001 (UNICEF Staff)


BlueCross:       374610 - A (UN Staff)

                        374610 - G (UNDP Staff)

                        374610 - I (UNICEF Staff)


CIGNA:      3211508 (ALL staff members)

Please visit the New to the UN page for health and life insurance coverage options offered by the United Nations. Additionally, you may find Navigating the Healthcare System in the US, a handbook prepared by the United Nations Medical Services Division, to be a great resource to guide you on how the health care system works in the US.

Both increases are separated due to our new system implementation.

In prior years, any necessary increase related to the COLA was applied together with the July ASHI rate increase.  However, due to the system changes at the Pension Fund and UN Secretariat, this is no longer possible.

This increase is different.  It is based solely on the COLA that just took effect.  

This is a PDF copy of the PowerPoint document, which provides an overview of the content presented.

This is the presentation, that the Health and Life Insurance section will present at the upcoming May 2018 Pre-Retirement Session in New York.

Please note that none of the NY-administered insurance plans, Aetna, Empire, HIP, UN WWP, nor UN MIP, provide long-term care insurance or long-term care services.  Individuals must make their own arrangements for finding and/or financing such care and services as the plans do not contain such benefits.

The Health and Life Insurance section maintains the rate scales utilized for the calculation of ASHI contributions.  The ASHI rate scales utilize the fully unreduced pension and/or Appendix D monthly value as defined in ST/AI/2007/3 section 3.  When reviewing the PDF document please note that you must first find your insurance plan.  Once you have located the page that contains your insurance plan, you must find the Pension Range row that includes your total monthly benefit.  Once you have located that row, please go across to find your coverage level (Subscriber Only, Subscriber Plus One, etc.).  The number where your Pension Range row and Contribution column of your coverage level meets will correspond to the monthly ASHI premium.

Note: ASHI Rates for Cigna International is based on the country associated with the subscriber's mailing address and are grouped into rate groups 1, 2, and 3 as defined below per ST/IC/2019/xx.  

  • Rate group 1 includes all locations outside the United States of America other than those listed under rate groups 2 and 3.
  • Rate group 2 includes Chile and Mexico.
  • Rate group 3 includes Andorra, Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Malta, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland and the United Kingdom of Great Britain and Northern Ireland. 
  • Claims for reimbursement must always be submitted directly to the insurance carrier no later than two years from the date the medical expense was incurred.
  • If a claim is denied in whole or in part, the subscriber has the right to appeal the decision by submitting a written request for review by the insurance carrier 
  • In the event of a claim dispute the resolution of such dispute is guided by the terms and conditions of the policy contract in question and the final decision rests with the insurance carrier and not the United Nations.
  • For a more detailed description of plans including exclusions and limitations please see the Member Plan Descriptions set out on the Plans page of this website.
  • For UNDP and UNICEF staff members, please forward your change of address request to your personnel office and ensure that both home and mailing addresses reflect your new address.
  • For UN staff members, please update your mailing address in Umoja.  Please ensure that your information is added in the appropriate field.  If your mailing address includes an apartment number, please add it to the second address line.
  • For retirees, please send an email to Please be sure to include your index and/or retiree number.

If one spouse retires from service with the Organization before the other spouse, the spouse remaining in active service must become the subscriber. This applies even if the retired spouse had been the subscriber up to the date of retirement and is otherwise eligible for after-service health insurance coverage following separation from service. If both staff members have separated from service and if each individually is eligible for after-service health insurance coverage, the cost of the contribution towards the after-service health insurance coverage must be borne by the former staff member with the higher pension.

You may elect to change plans at retirement or remain in your present plan.  You will be required to remain in the chosen plan at retirement for a minimum of 2 years before you are allowed to change plans. You may request this change by sending a written request to the Insurance Service. Do not send notice to the Pension Fund.  If you are retiring in the United States or you have covered dependants in the United States, you cannot enroll in the UN Worldwide plan.  The UN Worldwide plan is for plan members who are residing outside of the US and do not have dependants living in the US.  US-based retiring staff members or those with US-based dependants must elect a US-based Insurance plan.

You must provide written notice to the Insurance Service with request for any changes.  Information relating to insurance should not be sent to the Pension Fund.  However, change of address request must be sent to both the Insurance Service and the Pension Fund, since these two systems are not electronically linked in any way.  Any request for changes must be made by the primary insured and not any other person, unless we are provided with a Power of Attorney authorization to do so.

The following briefly summarizes ASHI eligibility requirements for retiring staff members and their eligible dependants. For more exhaustive information, please refer to ST/AI/2007/3.

Retiring Staff:

  • Must be a staff member of the UN, UNICEF, UNDP, UNOPS, UNFPA, UN WOMEN. Staff members retiring from the liaison offices of some UN System organizations who were covered through the Direct Billing Programme are also eligible for ASHI coverage. 
  • Must be at least 55 years old or over;
  • Must be enrolled in a UN Health Insurance plan at the time of retirement;
  • Must elect to receive a monthly pension benefit. The pension may be deferred up to full retirement age, but withdrawal settlements make a retiring staff member ineligible for ASHI.
  • Must have at least 10 years of health insurance participation under an eligible contract for subsidized ASHI participation. If less than 10 years of health insurance participation but more than 5 years of health insurance participation under an eligible contract and the staff member was hired before 1 July 2007, the staff member is eligible for unsubsidized ASHI participation until the 10 year requirement is met. For those hired on or after 1 July 2007, the eligibility requirement is 10 years under an eligible contract for ASHI participation and for subsidy. This means that they cannot continue their insurance coverage under ASHI unless they have accumulated 10 years of insurance participation at the time of retirement while employed under an eligible contract;
  • Staff members and dependants granted a disability benefit by the UNJSPF (age and participation requirements are waived in these cases).

Dependants covered at the time of the staff member’s retirement are eligible to continue their coverage provided:

  • The staff member applies for them when applying for ASHI;
  • Dependant children have not reached age 25 at the time of retirement, except in case of disability 
  • That they have been covered for at least five years (or two years if they were covered by a government or private insurance) in the case of a staff members hired on or after 1 July 2007 (please see ST/AI/2007/3 for more details) except of course newly acquired dependants. 
  • If a dependant child is disabled and 25 or older, the disability must be certified by the Pension Fund.
  • Surviving spouses and dependants of active or retired staff members are also eligible provided they were covered under the staff member’s policy at the time of his/her death.The application time limit for Surviving spouses and children of staff members who die in service is of ninety (90) days following the staff member’s passing.

Important Consideration: Please note that in accordance with the ASHI AI and Section 7.3 of ST/AI/2001/2 the participatory years under the limited duration appointment are not included in the calculation of eligibility as the rules state enrolment in a United Nations contributory health insurance plan by a staff member under an ALD appointment shall not be counted for the purpose of determining eligibility for coverage under the United Nations after-service health insurance programme.

In cases of change of country of residence, the two year wait period does not apply. You may request to switch to the UN Worldwide Plan in writing when leaving the US for a long period of time. Please note that you will need to provide an overseas address.


Health Insurance 

  • ​​Active staff:
    • New Hire/Re-hire: Provided that the application is made within the prescribed 31-day time frame, coverage for a staff member newly enrolled in a health insurance plan commences either on the first day of a qualifying contract (minimum of 3 months for medical and dental insurance) or on the first day of the following month.
    • Annual Enrolment Campaign: coverage commences 1 July.
    • Change in payrolling office/agency: coverage commences either on the first day of a qualifying contract (minimum of 3 months for medical and dental insurance) or on the first day of the month following a qualifying contract.
    • New dependant: coverage commences on the first day the dependant becomes eligible (for example on the day a child is born or adopted, on the marriage date for a spouse).
  • Retirees: after-service coverage commences on the first day of the month following retirement.

Kindly note that although effective on the afore-mentioned dates, it may take 3-4 weeks for the coverage to be reflected under the Insurance provider database and insurance cards to be mailed.  Staff members and retirees may therefore be requested to pay expenses upfront and should seek reimbursement through the insurance provider once the insurance cards are received.

Life Insurance

  • Initial Appointment: coverage commences on the first day of the month during which the application is submitted
  • Evidence of Insurability required: coverage commences on the approval date by Aetna


  • If a contract terminates before the last day of a month, coverage will remain in place until the end of that month. For example, if the contract terminates on 15 December 2013, the coverage will end on 31 December 2013.