Summary The Medical Insurance Plan (MIP) provides worldwide comprehensive health, dental, and prescription drug insurance to eligible staff and retirees, and their eligible family members. Attention: An individual may be covered only once, either as an active staff member or an eligible family member on another staff member's Active MIP (AMIP), Retiree MIP, Medical Benefits Plan (MBP), or Retiree MBP coverage. - Eligibility
- Enroll yourself and eligible family members for medical plans into AMIP within 60 days of entry-on-duty
- Enroll eligible family members for medical plans into AMIP within 60 days of a life event
- Enroll eligible family members for AMIP after the initial 60 days from EOD due to loss of other medical insurance coverage outside the Bank Group
- Enroll eligible family members for medical plans into AMIP during the annual open enrollment period
MIP is not mandatory for staff. There is a default enrollment of Individual/Option B for staff who do not submit enrollment forms, but staff can waive the enrollment. Eligibility AMIP is available to active staff appointed to a HQ position as: - President.
- Executive Director (ED), alternate ED, senior advisor to an ED, or advisor to an ED.
- Regular, open, term, or extended term consultant (ETC). ETCs are eligible only for Option B.
An active staff member's family members and registered domestic partners, who are eligible for medical plans include: - Legal spouse or registered domestic partner.
- Biological or legally adopted children under age 26 of the staff member, spouse, or domestic partner registered with the World Bank Group. This includes a step child. Eligibility for dependency allowance for children per Staff Rule 06.02 differs from eligibility for AMIP coverage.
- Dependent children under age 25 years. This also includes older children who meet the criteria of disability or handicap as determined and approved by the medical insurance administrator. They should also have met the dependency criteria under Staff Rule 06.02 at the onset of the disability or handicap. The child must also continue to meet the dependency criteria under Staff Rule 06.02.
- Grandchildren, if they are family members for medical plans of active staff member's dependent child per Staff Rule 06.02. This applies only for the duration the child—the parent of the grandchild—meets the criteria of a dependent child under Staff Rule 06.02.
- Grandchildren born to handicapped or disabled children of a staff member or his/her spouse or registered domestic partner. They will be eligible for coverage for the period during which the parent of the grandchild meets the criteria of a handicapped child under Staff Rule 06.02. If the parent of the grandchild continues to meet the criteria of a handicapped child up to the grandchild’s 26th birthday, the grandchild will no longer be eligible for coverage as of the last day of the month in which s/he reaches age 26.
Enroll yourself and eligible family members for medical plans into AMIP within 60 days of entry-on-duty Eligible staff and their family members, eligible for the medical plans, may join the AMIP without providing evidence of good health, if they apply within 60 days of the staff member’s initial entry-on-duty (EOD) date. Note: Staff may enroll or add eligible family members, who might have lost medical coverage due to a qualifying change in employment. This includes: - Termination of employment
- Change in work shift
- Change in work site
- Reduction in hours of employment
- Commencement of unpaid leave of absence
- Death of spouse or registered domestic partner
- Divorce/legal separation
- Loss of entitlement to Medicare or Medicaid without medical underwriting.
You must apply for and provide required documentation within 60 days of the loss of other coverage resulting from one of these events.
Step | Action | | | Action by Staff | 01 | Decide on the coverage options. Note: Automatic default enrollment is in ‘Option B – Individual’ coverage from commencement of qualifying service. You can choose any of the other coverage options within 60 days of qualifying service. If you are a spouse or domestic partner in a Bank/Bank couple, you may decline an individual membership. Refer to the following resources to help you make a choice: - Benefit summaries of plan options:
- For HQ staff in the U.S. or outside the U.S. – provided by Aetna:
- For HQ staff living outside the U.S.—International Option—provided by Cigna:
- Summary Plan Description—Aetna and Cigna
- MIP International Administrator Option, Detailed Provisions — Cigna
- To inquire about availability of doctors, dentists, and facilities, contact the relevant insurance administrator from:
- Aetna for medical benefits—for staff in or outside the U.S.
- CVS/caremark for U.S. pharmacy benefits—for staff in or outside the U.S.
- Cigna International for medical, vision, and dental benefits—only for staff living outside the U.S.
- Cigna Dental for dental benefits – for staff in or outside the U.S covered by Aetna
- Eyemed for vision benefits – for staff in or outside the U.S. covered by Aetna
| 02 | Register eligible family members for medical plans and as emergency contacts by completing the following forms: | 03 | Fill in the relevant medical insurance forms: | | | Action by HR | 04 | Send a confirmation email to the staff stating that the enrollment process is complete. | | | Action by Staff | 05 | Check the enrollment status on myHR Self-Service. Note: The enrollment is generally processed within five business days.
Coverage is effective from the first day of qualifying service.
The ID cards will be sent by the insurance administrator to the staff member's mailing address listed in the HR records.
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Enroll eligible family members for medical plans into AMIP within 60 days of a life event. Example: marriage, legal partnership, birth, legal adoption, or change in legal custody of a child
Eligible family members may join the AMIP without any medical screening if the staff member enrolls them within 60 days of initial eligibility or a life event. Example: marriage, legal partnership, birth, legal adoption, or change in legal custody of a child
The MIP option remains the same and cannot be changed at the time new eligible family members for medical plans are added. Staff may elect to switch their MIP option to Option A, B, or C during the annual open enrollment. Staff will receive reminders of the open enrollment via an email from HR Operations. Changes must be requested before the stated deadline each year. The effective date of the new option will be January 1 of the following calendar year. Step | Action | | | Action by Staff | 01 | Register these life events through myHR Self-Service: Send an email to HR Operations in case of: | | | Action by HR | 02 | Send the relevant medical insurance forms to the staff member. | | | Action by Staff | 03 | Send all the completed and signed medical insurance forms and documents to HR Operations. | | | Action by HR | 04 | Send a confirmation email to the staff member when the enrollment process is complete. | | | Action by Staff | 05 | Check the enrollment status on myHR Self-Service. Note: The enrollment is generally processed within five business days.
Coverage is effective from the first day of the qualifying event.
The ID cards will be sent by the insurance administrator to the staff member's mailing address listed in the HR records.
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Enroll eligible family members for AMIP after the initial 60 days from EOD due to loss of other medical insurance coverage outside the Bank Group. Note: Staff may enroll or add eligible family members who might have lost medical coverage due to a qualifying change in employment. This includes: - Termination of employment
- Change in work shift
- Change in work site
- Reduction in hours of employment
- Commencement of unpaid leave of absence
- Death of spouse or registered domestic partner
- Divorce/legal separation
- Loss or entitlement to Medicare or Medicaid without medical underwriting
You must apply for and provide required documentation within 60 days of the loss of other coverage resulting from one of these events. Step | Action | | | Action by Staff | 01 | Send a request to HR Operations stating your need for enrollment of an eligible family member for medical plans due to the loss of other medical insurance coverage outside the Bank Group. You must request the enrollment of the dependent within 60 days from the date of loss of outside coverage. | 02 | Obtain the relevant documents listed below: - Letter from the previous employer attesting that the employee is no longer eligible for medical insurance coverage
- Notice from Medicare or Medicaid confirming loss of coverage
- F02331 Termination of Domestic Partnership
- Copy of divorce decree confirming loss of coverage through former spouse
- Death certificate
| | | Action by HR | 03 | Send the relevant medical forms to the staff member. | | | Action by Staff | 04 | Send all the completed and signed medical insurance forms and documents to HR Operations. Note: If the Life Event Request has not been submitted within the 60-day period, the following options are available: - Submit the Life Event request during the Open Enrollment period, which will be effective January 1 of the following year.
- When an eligible dependent (newly enrolled in household) loses outside coverage, the staff member has 60 days from the loss of coverage date to enroll the dependent by submitting the required proof.
| | | Action by HR | 05 | Send confirmation email to staff member when the enrollment process is complete. | | | Action by Staff | 06 | Check the enrollment status on myHR Self-Service. Note: The enrollment is generally processed within five business days. Coverage is effective from the first day of the month following receipt of your request. |
Enroll eligible family members for medical plans into AMIP during the annual open enrollment period Eligible family members for medical plans may join the AMIP without any medical screening if the staff member enrolls them during the annual open enrollment period. Coverage will take effect from January 1 of the following calendar year. Staff may also elect to switch AMIP option to Option A, B, or C during the annual open enrollment. They will receive reminders of the open enrollment through email from HR Operations. Changes must be requested before the stated deadline each year. The effective date of the new option will be January 1 of the following calendar year. Step | Action | | | Action by Staff | 01 | Enroll eligible family members for medical plans and/or make AMIP option changes via myHR Self-Service. | | | Action by HR | 02 | Send the relevant medical forms to the staff member. | | | Action by Staff | 03 | Send all the completed and signed medical insurance forms and documents to HR Operations. | | | Action by HR | 04 | Send confirmation email to the staff member when the enrollment process is complete. The ID cards will be sent by the insurance administrator to the staff member's mailing address listed in the HR records. |
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