Welcome to Geneva! ~ A practical Guide to
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- UN Medical Insurance
EmergenciesBack to table of contents▲ Below are some useful numbers/contacts in case of emergency or need for medical services during nights/weekends:
Medical: 144 Police: 117 Fire: 118
Medical: 15 Police: 17 Fire: 18 To call from a mobile phone: 112 Emergency Telephone numbers are also available in most daily newspapers. Staff must also keep their personal emergency contact information up-to-date under the ITC intranet Personal Portal. For more information see Information Circular ITC/IC/2004/50.
The Permanence médicales opened 24H/24. (They speak: Arabic, Chinese, English, French, German, Greek, Hungarian, Italian, Portuguese, Romanian, Russian, Spanish, Turkish and Vietnamese). SOS Médecins is the only private medical service, which goes directly to your home 24H/24 for Geneva and its surroundings. Tel. 022 748 49 50 SOS Association des Sages-Femmes à Domicile, Arcade Sages-femmes: provide advice service related to pregnancy. Tel. 022 329 05 55 SOS Infirmières 24h/24 Tel. 022 420 24 64 HUG Pediatric Emergencies Hôpital d’enfants & Clinique de Pédiatrie Tel. 022 382 47 00 or 022 372 33 11 Centre Médical du Léman Tel. 022 716 06 60 Hôpital de la Tour Tel. 022 719 60 00 or 022 719 61 11 Clinique des Grangettes /Garde de pédiatrie Tel. 022 305 11 11 / 022 305 04 58 Emergency HUG (Hôpitaux Universitaires de Genève) Urgency and Reception centre: 022/372 81 20
Eye Emergency HUG 022 382 84 00
HUG-Hôpitaux Universitaires Genevois Tel. 022 372 33 11 or 022 382 33 11 Clinique Dentaire de la Servette SA Tel. 022 733 98 00 Clinique Dentaire de Malombré SA Tel. 022 346 64 44
Geneva Ambulances Odier & fils Geneva Ambulances Rive-Droite, Dupont SA Geneva Ambulances Service S.A.
Nyon Urgences-transferts Tel. 022 994 24 44 Nyon Département central Tel. 022 994 24 34
Ambulances Nyon Tel. 022 994 24 44Nyon Ambulances District du Police Municipale 1260 Nyon Tel. 022 361 16 21
All pharmacies in Geneva and Vaud must post after-hours duty lists on or beside doors, giving names and addresses. This information is also available in the Tribune de Genève or Le Temps. The pharmacy at Geneva Airport is open daily until 20.00 hrs. Association des pharmacies de Genève SOS Pharmaciens 24h/24 & 7/7 Rue des Cordiers 4 1207 Genève Tel: 022 420 64 80 Email: sospharmaciens@sospharm.int.ch SOS Pharmacie list of pharmacies for Vaud, Geneva and all of Switzerland. Clinics, medical centers or hospitals in Switzerland are listed in the telephone directory under Cliniques, Centres Médicals or Hôpital and Médecin-dentistes. You can also search the Swiss Yellow Pages or the French Yellow Pages. You may find a list of the Network of preferred providers in the UNOG Intranet, under the “Staff and Services”, “Mutual Insurance” section accessible from ITC’s intranet.
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Staff members of ITC must be covered by medical insurance. Most staff choose to insure with the UN-provided medical insurance plan. Otherwise, staff members must provide evidence of comprehensive insurance coverage. United Nations Staff Mutual Insurance Society Against Sickness and Accident For Geneva-based staff and their dependents medical insurance coverage with the United Nations Staff Mutual Insurance Society Against Sickness and Accident is available; medical insurance coverage is also provided to retirees. Details of the above insurance plan is contained in a booklet “Statutes and Internal Rules” (the blue booklet). The latest edition is that of January 2002. Copies are available in the Human Resources. The booklet can also be accessed from the ITC intranet via the UNOG intranet under Staff Services. The Society from time to time issues circulars with information on medical service providers or amendments to their rules. These circulars will be on the ITC intranet as well as on the Society’s site. The Secretariat is located in Room 26-1 (Door 1), Palais des Nations Tel. 022 917 31 39 Opening hours: 9.00 – 12.00. Below is a very brief overview of the insurance plan. For staff employed under the 100 and 200 series of staff rules, and for staff employed under 300 series of staff rules for periods exceeding 6 months, insurance coverage can be obtained for the staff member, his/her dependent spouse and dependent children in accordance with the rules of the Society. Premiums are calculated on the basis of “net salary”, i.e. gross salary less staff assessment, plus post adjustment, non-resident’s allowance and language allowance where applicable. The staff member pays part of the contribution. The plan is subsidized by ITC. Family members who are not considered “dependent” under UN rules may be covered at extra cost, provided they can be classified as “specially protected persons”. The plan foresees normally the reimbursement of 80% of doctors’ fees and pharmaceuticals, 90% of surgical operations and between 75% and 100% of hospitalization costs. The cost of eyeglasses and dental treatment is also reimbursed up to 80%, subject to certain ceilings; some treatments require prior approval. For details of medical benefits please refer to Annex III of the blue booklet. Insured persons have to pay their doctors’ and hospital bills and claim reimbursement within 12 months of incurring the medical expenditure. A claim form per beneficiary has to be completed for each claim but it can cover multiple treatments. Forms are available with Senior Secretaries at ITC or with the Human Resources. Claims are sent to the Society directly by the staff member. Reimbursements are made directly into the staff member’s bank account. The Society issues insurance cards to each person insured under the plan. This card can be used as proof of medical coverage. It is not a payment card. Medical services providers can also check individual coverage on a website CoverCheck or on CoverCard. The Society has a “Preferred Providers’ Network” where standard rates are charged and often a discount is granted under certain conditions. Information on preferred providers can be obtained from their website. The Society can also provide a list of doctors, taking into account their specialization, location and language ability. The Joint Medical Service (JMS) located at the Palais des Nations. Tel. 022 917 28 07 will also provide a list of doctors. Swiss Pharmacies will charge a pharmacist surcharge of CHF 4.20 each time you purchase a prescribed medicament. This surcharge is not reimbursed by the insurance. They also charge every 3 months a supplement for the “file caution” of CHF 7.-. This is equally not reimbursed. Several Swiss Pharmacies including the SunStore chain offer special terms to members of the Mutual Society including a 10% discount on medicines and no pharmacist surcharge. For details see the Mutual Society website under the heading “Preferred Providers”. We found that the cost of medicines is considerably lower in France. Pharmacies in France will also not charge a pharmacist surcharge. A couple of pharmacies are opened at night and during week-ends and charge additional supplement. The addresses of the “Pharmacies de garde” is posted on the windows of all pharmacies. A similar system exists in France. Pharmacies at the gare Cornavin and at the airport railway station are open 7 days a week. Staff on short-term contracts can enrol in the plan. However, the claims procedure is slightly different. Details can be obtained in the Human Resources. For short-term contracts covering partial months, the full month premium is payable.
Coverage with other group medical insurance plans available to UN staff elsewhere (such as VAN BREDA, or AETNA in New York) is not available to ITC staff based in Geneva. Staff members (up to the age of 55) may take out supplementary insurance with the Provident and Insurance Group of International Officials (GPAFI) to cover the following: - Additional coverage by the United Nations Staff Mutual Insurance Society, - Loss of earnings resulting from sickness and/or accident, - Death or disability resulting from accidents not related to professional activities, - Medical costs resulting from accidents not related to professional activities, - Life insurance - Daily hospitalization costs - Dental insurance - Health insurance for family members not eligible for coverage by the United Nations Staff Mutual Insurance Society. For details please contact GPAFI directly at the Palais des Nations, Room C-419, Tel. 022 917 39 46 or E-mail GPAFI (GPAFI@unog.ch). Philos Caisse Maladie Concordia Intras Assurances A more comprehensive list of insurance companies in Geneva may be found here. |