There are four sources from which officials and other agents of the European Institutions may obtain partial or total reimbursement of their health care charges. These are:
– The Joint Sickness Insurance Scheme –JSIS (Staff Regulations)
– Accident insurance (Staff Regulations or to be subscribed)
– Schemes supplementary to the JSIS (to be subscribed)
– Assistance schemes for coverage whilst abroad (to be subscribed)
The JSIS enshrined in Staff Regulations for officials and other agents of the Institutions provides for a reimbursement statistically of about 80% (in case of severe illness). The JSIS has established ceilings for a good many treatments.
For occupational accidents and those occurring in private life, reimbursement of medical care costs is reduced from 100% to about 80% when retiring.
Supplementary insurance, which may be individual or collective, are offered by well-known insurance companies and are perfectly complementary to JSIS. Annual premiums vary greatly according to the coverage but, for supplementary hospitalisation policies, the annual premium is generally between €70 and €300, depending on age.
Risk analysis shows that such policies should be subscribed early.