Supplementary health insurance

🔵 The basic scheme — JSIS

The Joint Sickness Insurance Scheme (JSIS) is the mandatory health insurance system for officials and other servants of EU institutions. It covers part of medical, pharmaceutical, hospitalisation and other care costs at rates defined by the Staff Regulations.

Type of care	JSIS rate	Notes
GP consultation	80 %	Based on reference rates
Specialist consultation	80 %	With or without referral
Hospitalisation	85 %	Prior agreement recommended
Prescription medicines	85 %	Positive list of medicines
Routine dental care	75 %	Annual ceilings apply
Special dental care	60 %	Prosthetics, adult orthodontics
Maternity / childbirth	100 %	Full reimbursement of costs

These rates are indicative. Consult the official JSIS reimbursement rules and the competent liquidating office.

🟡 Supplementary insurance — CMI

The individual supplementary health coverage (CMI) is optional insurance covering all or part of costs not reimbursed by JSIS (the co-payment).

          ⚠️ Note: The CMI is a collective contract negotiated at inter-institutional level. Enrolment is possible at certain times (entry into service, change in family situation). Contact the EP Personnel Service or the PMO office.
        

The CMI generally covers: the balance after JSIS reimbursement, certain non-covered care, excess fees within certain limits, and enhanced hospitalisation coverage.

📋 How to enrol or change your coverage

1

Check your current situation

Consult your pay slips and your Sysper account to identify your RCAM coverage and whether or not you have a CMI.

2

Identify the competent office

For EP staff, the RCAM contact is the EP Medical Service or the Health Insurance Liquidating Office. For the CMI, contact DG Personnel (Rights and Reimbursements Unit).

3

Check your enrolment window

Enrolment is only possible at certain times: entry into service, marriage/civil partnership, birth, change of status. Outside these windows, a medical questionnaire may apply.

4

Submit your application

Via Sysper or by paper form according to the current procedure. Always keep a copy of your application and acknowledgements of receipt.

❓ Frequently asked questions

Is my family covered by RCAM? ▼

Yes, under certain conditions. A spouse and dependent children may be affiliated to RCAM. The definition of "dependant" is set out in Article 72 of the Staff Regulations and in the RCAM coverage rules. An additional contribution may apply for spouses who have their own occupational coverage.

What does RCAM cover in the event of hospitalisation abroad? ▼

RCAM covers urgent medical care in all Member States and abroad. For planned hospitalisations outside the country of residence, prior agreement is generally required. Reimbursements are based on the rates of the country of affiliation.

Can I keep my national health insurance as a supplement to RCAM? ▼

Yes, but the combination may give rise to coordination rules between schemes. Total reimbursement cannot exceed actual costs incurred. Check the arrangements with your national health insurer and the RCAM liquidating office.

Where do I submit my RCAM reimbursement claims? ▼

For EP staff: via MyRemote (intranet) or by sending your supporting documents to the EP Health Insurance Liquidating Office. Submission deadlines are generally 12 months from the date of treatment.

Can SFP-Europa help me in the event of a dispute with RCAM? ▼

Yes. In the event of an unjustified refusal of reimbursement, SFP-Europa can guide you through its eJurAssist service. You may also lodge an administrative appeal (complaint under Art. 90) and, if necessary, a legal appeal.