If you’ve entered the Joint Sickness Insurance Scheme (JSIS) online you will have been greeted with the good news of Higher reimbursement ceilings, broader access to medically assisted reproduction. There was a similar announcement on MyIntracomm AuQuotidien (see the comments below the line for suggestions and additional information). Commission Decision of 17.11.2023 (C(2023) 7673 final) Continue reading Updated medical-bill ceilings: a step in the right direction
Complementary coverage
Reimbursed amount = 0 €
*Update 03.03.2024: the contact number listed on p.2 of the account sheet is out of date, please use number listed here.*
Original article: This can and does happen relatively frequently. First of all, don’t panic! But please do be aware that there is a 3-month time limit[1] on taking a non-reimbursement issue as far as you can before embarking on legal action. Challenging a decision not to reimburse is therefore not an administrative step to save for when you have the time, you really do have to make the time (especially if you need to get a more detailed bill from the health-service provider, for example or investigate whether a precedent has been set for reimbursement). Continue reading Reimbursed amount = 0 €
It happened to me! A ‘sometimes’ serious illness
In 2017 I was diagnosed with serious illness. This kind of information crushes you as if a heavy stone was put on your back. What helps in this misfortune is the fact that European institutions’ staff shouldn’t have to worry about the financial aspect of the treatment, being insured via the Joint Sickness Insurance Scheme (JSIS), staff are entitled to 100% reimbursed of medical fees where they have a recognised serious illness. Continue reading It happened to me! A ‘sometimes’ serious illness
The annual medical check-up: the ‘new normal’
*Update 03.03.2023 clarification of the changes announced for mid-February: tests previously covered by «bons roses»[*] are now to be done via the health screening programme in order to be reimbursed at 100% e.g. a gynecological check up.*[**]
Original article: We start with some context: the annual medical check-up, that obligation that is not generally enforced, is done by only around 1/3 of staff [1]. Why might this be? Well, cost is an issue: while the check-up itself and associated laboratory tests are normally reimbursed at 100%, anything stemming from that check-up (‘diagnostic examinations’ or ‘additional treatments’, for example) will be reimbursed in the normal way (85% up to set ceilings which may or may not correspond to reality, we hear you Luxembourg [2]). Continue reading The annual medical check-up: the ‘new normal’
It happened to me! Schrödinger’s reimbursement
We asked you to send us your stories and here is the first one. A Colleague was diagnosed with a precancerous lesion. Although probably benign, it was growing quickly, showing micro calcifications, opacities, ragged edges, and highly heterogeneous appearance. The doctors concluded that it must be removed as soon as possible as it could easily become a malignant tumour (if that was not already the case) especially considering the colleague’s age group. Continue reading It happened to me! Schrödinger’s reimbursement
Available options for complementary health insurance
*Check out the tables on pages 18-19 of this file on supplementary health insurance policies for the HR list.*
Original article: In this third and final article in our series about complementary health insurance, we will present some of the available options for this type of insurance. If you have missed the previous articles, you can still find them all on our website.
As explained in the previous articles, the external schemes fall into two categories: ‘Hospitalisation only’ and ‘Hospitalisation and other medical expenses’. Continue reading Available options for complementary health insurance
Selection criteria for a complementary health scheme
In the first article about our health insurance system, we introduced the limitations of JSIS cover and the difference between complementary health schemes which usually cover either “hospitalisation only” or “hospitalisation and other medical expenses”.
In the second article of the series we will address the criteria to take into account when choosing such a complementary health scheme. Continue reading Selection criteria for a complementary health scheme
External health insurance as a supplement to JSIS
*Update 15.12.2022: ‘We also advise all JSIS members to opt for private complementary insurance to supplement the JSIS reimbursement in the event of major medical expenses (hospitalization, etc.).’ (JSIS, Practical information).* With this article, we start a series of short articles about our health insurance system and the existing possibilities for supplementary health insurance. We do not recommend any specific insurance and, after reading the articles, you might conclude that you do not need anything more than the standard Joint Sickness Insurance Scheme (JSIS) coverage. However, we want to enable you to make an informed decision. Continue reading External health insurance as a supplement to JSIS
