Preparing Your Retirement – CHIS (CERN Health Insurance Scheme) 24 November 2015 Preparation for Retirement Seminar2 Jean-Pol MATHEYS & Sofia SLOTTE

Topics  Keeping the CHIS: What you must do & when  What does and does not change  Obtaining information  Good to know tips  Questions & answers 24 November 2015 Preparation for Retirement Seminar3

What you must do & when   Within 30 calendar days of retiring, inform PF if you want to keep the CHIS on voluntary basis !!by default, your CHIS cover ends on the last day of your employment contract, and !!unless your spouse/partner remains covered by the CHIS as a Main Member (active staff member) you will never be allowed back 24 November 2015 Preparation for Retirement Seminar4

What you must do & when   Declare any change in the income or health insurance situation of your spouse  income may drop when they retire  insurance itself may change when they retire  send paper form within 30 calendar days of change (ask PF for form or visit cern.ch/CHIS-CDFS & send back to PF) 24 November 2015 Preparation for Retirement Seminar5

Topics  Keeping the CHIS: What you must do & when  What does and does not change  Obtaining information  Good to know tips  Questions & answers 24 November 2015 Preparation for Retirement Seminar6

What does & does not change   Partners are no longer covered by the CHIS as recognition is only for active staff members !!Note that this may change next year  Your CHIS contributions will be adjusted when your pension is adjusted 24 November 2015 Preparation for Retirement Seminar7

What does & does not change   Spouse and dependent children fully covered !!Keep PF informed of any change in family situation  Supplementary contribution required for spouse with income from professional activity (or retirement pension) and no other insurance  Cover is worldwide 24 November 2015 Preparation for Retirement Seminar8

Topics  Keeping the CHIS: What you must do & when  What does and does not change  Obtaining information  Good to know tips  Questions & answers 24 November 2015 Preparation for Retirement Seminar9

Obtaining Information  General questions, claims, …  cern.ch   UNIQA offices: CERN or downtown Geneva Medical assistance  (esp. when travelling) CHIS Rules, general advice  (no admin e-guide access anymore) 24 November 2015 Preparation for Retirement Seminar10

Obtaining Information  CHIS Bull’  newsletter: general info, news, tips  sent by postal mail to your home CERN Bulletin - Official News  formal notices, major changes  24 November 2015 Preparation for Retirement Seminar11

Topics  Keeping the CHIS: What you must do & when  What does and does not change  Obtaining information  Good to know tips  Questions & answers 24 November 2015 Preparation for Retirement Seminar12

Good to know tips  Long Term Care benefits are there to help when dependency impacts daily life  contact CERN Social Service and ask for guidance  ask relative to help with procedure when needed  three dependency levels (low, medium, severe)  do not wait for severe dependency to act 24 November 2015 Preparation for Retirement Seminar13

Good to know tips  Bonus: Go to France or 17 other Member States (all, except DK, NO and CH) to see doctor, buy medication, have tests or scans, and get reimbursed 80% 85% or 90% 95% 24 November 2015 Preparation for Retirement Seminar14

Good to know tips  Using CHIS as complementary insurance  if you or your spouse have another insurance  use other insurance first, submit other insurance’s reimbursement statement to UNIQA get much better overall reimbursement rate 24 November 2015 Preparation for Retirement Seminar15

Good to know tips  Send your claims by postal mail or drop them in UNIQA’s office mailbox (it’s safe, no need to enter) having checked you attached proof of payment  Get attestations and other personal documents through your account at extranet.uniqa.net 24 November 2015 Preparation for Retirement Seminar16

Topics  Keeping the CHIS: What you must do & when  What does and does not change  Obtaining information  Good to know tips  Questions & answers 24 November 2015 Preparation for Retirement Seminar17