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Status of the Health Insurance Project for Users Pierre Bonnal Risk & Insurance Manager CERN DG-DI 100th ACCU Meeting 4th June 2013

Status of the Health Insurance Project for Users

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Pierre Bonnal Risk & Insurance Manager CERN DG-DI 100th ACCU Meeting 4th June 2013. Status of the Health Insurance Project for Users. Previous Milestones + Agenda. v. v. ACCU #98  L.  Stämpfli 2 schemes with collective contracts ( C nies A , B ) ACCU #99  J.-P.  Matheys - PowerPoint PPT Presentation

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Page 1: Status of the Health Insurance Project for Users

Status of the Health Insurance Project for Users

Pierre BonnalRisk & Insurance ManagerCERN DG-DI

100th ACCU Meeting4th June 2013

Page 2: Status of the Health Insurance Project for Users

100th ACCU Meeting — Status of Health Insurance Project for Users 2

Previous Milestones + Agenda

• ACCU #98 L. Stämpfli• 2 schemes with collective contracts (Cnies A, B)

• ACCU #99 J.-P. Matheys• CHIS/UNIQA health insurance scheme for MPE’s

• Not designed for MPAs, not suited for MPA’s (users)

• ACCU #99 D. Chromek-Burckhart• Cny A’s scheme recalled:

1.55 CHF/day/person… (but if 7500 subscribers)

• Cny B’s scheme recalled:3.40 CHF/day/person… (but mini premium = 250 kCHF)

Pierre Bonnal

v

v

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Previous Milestones + Agenda

• What we have looked out since March• 1. Survey done by UO

• 2. Operational feasibility

• 3. Legal feasibility

• 4. New draft proposals

• 5. Next steps

Pierre Bonnal

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1. Survey

Pierre Bonnal

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Survey

• Web-survey all users (i.e. ca. 10’000 recipients)

• From 3rd April to 30th April (4 weeks)

• 5 questions ; 620 responses (6.2%)

• Q1 620 responses

• Q2 327 responses

• Q3 620 responses

• Q4 282 responses

• Q5 140 comments

Representativeness?

Pierre Bonnal

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Survey — Answers

1. Would you be interested in a SUBSIDIARY health insurance covering emergency cases for the cost of 1.55 CHF per day and per person?

Pierre Bonnal

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Survey — Answers

2. How many additional family members would participate in a SUBSIDIARY health insurance?

Pierre Bonnal

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Survey — Answers

3. Would you be interested in a FULL health insurance for the cost of about 6 CHF per day and per person?

Pierre Bonnal

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Survey — Answers

4. How many additional family members would participate in the FULL health insurance?

Pierre Bonnal

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Survey — Summary (Q1–Q4)

SUBSIDIARY FULL

Yes 328 282

No 171 223

? 121 115

0 212 148

≥1 115 134

Out of 620 respondents

Pierre Bonnal

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Survey — Comments (selection)

• Many acknowledge the initiative

• CERN shall propose some schemes for MPA’s

• Clarifications:

• LAMAL in Switzerland, but which minimum in France?

• Who shall pay: Institutes-Employers or MPA’s?

• CHIS/UNIQA for MPA’s raises some issues

• The insurance fee levels are an issue

• What about retirees staying in the area?

• Administrative burden shall be limitedPierre Bonnal

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2. Operational Feasibility

Pierre Bonnal

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OperationalFeasibility

• Stakeholders• MPA’s – subscribers• Premiums (Payment)

• Benefits (Reimbursements)

• Processes…Somehow complicated

but feasible• Resubmit a more

detailedspecification to insurancecompanies

Pierre Bonnal

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3. Legal Feasibility

Pierre Bonnal

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Legal Feasibility

• In depth review convened by S. Lettow involving HR, LS, CHIS, RIM

• Conclusion:Process incompatible with legal requirements

• Reminder (from ACCU #99):• Health cover is responsibility of the MPA’s employer• The employer has to arrange direct or indirect cover

for the MPA whilst at CERN, covering both France and Switzerland

• If the employer does not arrange health cover, it is the responsibility of the MPA individually and MPAs have to arrange their own cover […]

Pierre Bonnal

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Legal Feasibility

• Search for other possibilities, where:• CERN does play the role of a “pseudo-employer”• No minimum collective premium• No minimum number of individual subscribers• CERN eases the process of subscribing by providing

appropriate information to MPA’s

• A few insurance companies offer such a service:

Pierre Bonnal

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4. New Draft Proposals

Pierre Bonnal

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Several programsfor short-term and

medium-term expatriates

Furtherverifications

required!

Pierre Bonnal

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Two Schemes

Pierre Bonnal

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MINI COMPLETE

Benefits

Pierre Bonnal

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MINI COMPLETE

Benefits

Repatriation…

Pierre Bonnal

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Premiums

Pierre Bonnal

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Premiums

Pierre Bonnal

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Programsfor long-term expatriates

Furtherverifications

required!

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New programfor short-term and

medium-term expatriates

Furtherverifications

required!

Pierre Bonnal

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Benefits

Pierre Bonnal

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Benefits

Pierre Bonnal

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Benefits

Pierre Bonnal

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Premiums

Pierre Bonnal

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5. Next Steps

Pierre Bonnal

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“Tactics”

• Summarize needs and requirements in a spec.incl. alignment with Helsana policy

• Identify individual schemes suited to MPA’s, i.e.

• Contact insurance companies, and

• Have confirmation that their schemes fit requirements

June-July 2013

• “Package” the best suited HI offersand provide this information to MPA’s

August-September 2013

• Situation of retirees to be assessed

AT CERN ROAD TO… LEISUREELSEWHERE

HOMEINSTITUTEGeneva area (Switzerland or France)

Accident *

/ o

Disease

Occupational *

Emergency

Other / o* Helsana policy clarifications required

Pierre Bonnal

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Thank you for your attention

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100th ACCU Meeting — Status of Health Insurance Project for Users 34

AT CERN ROAD TO… LEISUREELSEWHERE

HOMEINSTITUTEGeneva area (Switzerland or France)

Accident *

/ o

Disease

Occupational *

Emergency

Other / o* Helsana policy clarifications required

Pierre Bonnal

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Pierre Bonnal