Two types of optional insurance are available, on a voluntary basis, to CERN staff members, fellows and graduates.

1. Loss of earnings insurance:

In accordance with Article R II 4.13 of the Staff Regulations, when an employed member of the personnel (MPE) accumulates more than 12 months of sick leave due to an illness or accident of non-occupational origin within a 36-month period, the MPE’s remuneration is reduced to two-thirds from the 13th to the 30th month of absence, and to zero from the 31st to the 36th month of absence.

To enable MPEs to protect themselves from the financial consequences of such a reduction in their remuneration, CERN has signed a specific collective loss of earnings insurance contract with an insurance company (UNIQA) offering competitive rates. This insurance has the advantage that, once it has been taken out, it does not require the policyholder to complete any further administrative procedures, as the Salaries Office manages the continuation of the remuneration entirely.

Full details about this insurance and the procedure for signing up for it are available in the Admin E-Guide. 

2. Life insurance:

CERN has also signed a group life insurance contract with the Swiss insurance company HELVETIA.

MPEs who take up this insurance, which is available for an attractive premium, can select the total lump sum payable in the event of death as well as designating the beneficiaries who will receive the lump sum in the event of their death. As with the loss of earnings insurance, the administrative procedure is handled by the Salaries Office.

Staff members will be able to keep this insurance cover, under certain conditions, when they become members of the CERN pension fund.

Full details about this insurance and the procedure for signing up for it are available in the Admin e-guide.

Further information regarding these two insurances is available from the FAP department’s Personnel Accounting section (service-personnel-accounting@cern.ch).