MAIP
MALICIOUS ACTS INSURANCE POLICY
GUIDELINES
UNICEF
Division of Human Resources (DHR)
CF/AI/2000-001 of 16 February 2000
Malicious Acts Insurance Policy (MAIP) CF/AI/2000-001 of 16 February 2000
MALICIOUS ACTS INSURANCE POLICY (MAIP)
TABLE OF CONTENTS
Page
General ..3
Background ..3
Designation of Locations ..3
Eligibility ..3
Coverage ..4
Exclusions ..5
Benefits ..6
Beneficiaries ..8
Enrolment ..9
Premium ..9
Security Measures ..9
Claims .11
Statistics .12
Fraud .13
Annexes .15
A. Malicious Acts Insurance Policy (MAIP) Designated Locations .15
B. Malicious Acts Insurance Policy (MAIP) Continental Scale .19
C. Form P-2 “Designation, Change Or Revocation Of Beneficiary” Staff Member .23
D. Form UNICEF/458 (02/00) “Designation, Change Or Revocation Of Beneficiary”
Individual Contractor/Consultant…………………… .25
E. Form UNICEF/431 (3-96) Security Clearance Request .27
F. Form UNICEF/452 (02/00) Significant Incident Report (SIR) .29
G. Sample Form Requesting Local Staff Count .35
H. Sample Interoffice Memorandum Submitting a Death Benefit Claim .43
I. Sample Interoffice Memorandum from Beneficiary for a Death Benefit Claim .45
J. Sample Interoffice Memorandum Submitting a Disability Benefit Claim .47
K. Sample Interoffice Memorandum Submitting a Disability Benefit Claim .49
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Malicious Acts Insurance Policy (MAIP) CF/AI/2000-001 of 16 February 2000
General
Background
1. The purpose of the Malicious Acts Insurance Policy (MAIP)[1] is to cover eligible individuals in designated duty stations for death or disability caused by a malicious act.
2. The MAIP is administered by the United Nations Security Coordinator (UNSECOORD), through Willis UK Limited of London, a broker representative Lloyd’s of London, the Underwriters.
Designation of Locations
3. The designation of locations where MAIP is applicable is determined by UNSECOORD, following a review of security reports received from local United Nations Designated Officials (UN DO) in charge of security, and also in consultation with security focal points in UN agencies with staff in field locations.
4. DHR will keep country offices regularly informed of the locations where MAIP is applicable. Annex A contains the designated locations where it is currently applicable.
Eligibility
5. The following individuals are automatically covered by the MAIP:
a) regular internationally-recruited professional staff members administered under the 100 and 200 series of the UN Staff Rules, posted at or on travel status to the designated locations;
b) temporary internationally-recruited professional staff members administered under the 200 series of the UN Staff Rules, posted at or on travel status to the designated locations;
c) regular internationally-recruited general service (GN) staff members administered under the 100 Series of the UN Staff Rules, posted at or on travel status to the designated locations;
d) temporary internationally-recruited general service (GN) staff members administered under the 100 Series of the UN Staff Rules, posted at or on travel status to the designated locations;
e) regular locally-recruited staff members, both general service (GS) staff and national professional officers (NPOs), administered under the 100 Series of the UN Staff Rules, assigned or on travel status to the designated locations;
f) temporary locally-recruited staff members, both general service (GS) staff and national professional officers (NPOs), administered under the 100 Series of the UN Staff Rules, assigned or on travel status to the designated locations;
g) internationally-recruited individual contractors/consultants serving in or on travel status to the designated locations;
h) locally-recruited individual contractors serving in or on travel status to the designated locations; and
i) official visitors on travel/DSA status to the designated locations situated outside their country of residence.
6. MAIP is not extended to spouses or dependent children.
7. United Nations Volunteer (UNV) Specialists. UNV Specialists are not covered under MAIP, but under the provisions of a group insurance scheme concluded between UNV Headquarters, Bonn, Germany, and J. Van Breda & Co., Antwerpen, Belgium.
Coverage
8. Under MAIP, the individuals mentioned in paragraph 5 above are covered on a 24-hour basis for accidents resulting in death or disability caused by:
a) war;
b) invasion;
c) hostilities;
d) acts of foreign enemies, whether war be declared or not;
e) civil war;
f) revolution;
g) rebellion;
h) insurrection;
i) military or usurped power;
j) riots or civil commotion;
k) sabotage;
l) explosion of war weapons; or
m) terrorist activities (whether terrorists are the country’s own nationals or not).
9. Coverage becomes effective from the time of embarking on the final flight to the designated country and ceases from the time of disembarking at the end of the first flight from the designated country.
Exclusions
10. The MAIP does not cover death or dismemberment directly or indirectly resulting from or consequent upon:
a) the insured person engaging in or taking part in:
· naval, military or air force service or operations;
· winter sports (other than skating or curling);
· skin diving, involving the aid of breathing apparatus, rock climbing or mountaineering, normally involving the use of ropes or guides, potholing, hunting on horseback, parachuting, or riding or driving in any kind of race;
b) the insured person using a firearm, unless he/she is authorized, in writing, by the UN Security Service to carry arms;
c) the insured person using, as a passenger, a military aircraft as mode of transportation, except in disaster and emergency situations, where no other means of transport is available;
d) the insured person being under the influence of alcohol or drugs;
e) engaging in air travel, except as a passenger;
f) suicide or attempted suicide or intentional self-injury or the injured person being in a state of insanity; and
g) deliberate exposure to exceptional danger (except in an attempt to save human life) or the injured person’s own criminal act.
11. If an insured person loses his/her life while transporting large amounts of cash in areas where banking facilities are not available, it is extremely unlikely that the claim will be covered under this policy since it would be considered as “deliberate exposure to exceptional danger.”
Benefits
12. There are three benefits under MAIP:
a) death;
b) permanent total disablement; and
c) permanent partial disablement.
13. Death Benefit. The benefit under MAIP for death is as follows:
a) US $500,000 for:
· regular international professional staff;
· temporary international professional staff;
· official visitors; and
· internationally-recruited individual contractors/consultants; and
b) ten times the net annual salary[2] subject to a maximum of US $500,000 for:
· regular GN staff;
· temporary GN staff;
· regular locally-recruited staff (both NPOs and GS staff);
· temporary locally-recruited staff (both NPOs and GS staff); and
· locally-recruited individual contractors/consultants.
14. While covered under MAIP, should an insured person disappear, and his/her body not be found within twelve months after his/her disappearance, and sufficient evidence is produced satisfactory to the Underwriters that leads them inevitably to the conclusion that he/she sustained accidental bodily injury and that such injury caused his/her death, Underwriters will pay the death benefit under MAIP provided that the person or persons to whom such sum is paid sign(s) an agreement to refund such sum to the Underwriters if the insured person is subsequently found to be living.
15. Permanent Total Disablement Benefit.[3] Permanent Total Disablement means disablement which entirely prevents the insured person from attending to any business or occupation of any and every kind and which lasts twelve months and at the expiry of that period is beyond hope of improvement.
16. The benefit under MAIP for permanent total disablement and dismemberment is as follows:
a) US $500,000 as per items 1 to 5 of the continental scale found in Annex B for:
· regular international professional staff;
· temporary international professional staff;
· official visitors; and
· internationally-recruited individual contractors/consultants; and
b) ten times the net annual salary[4] subject to a maximum of US $500,000 as per items 1 to 5 of the continental scale found in Annex B for:
· regular GN staff;
· temporary GN staff;
· regular locally-recruited staff (both NPOs and GS staff);
· temporary locally-recruited staff (both NPOs and GS staff); and
· locally-recruited individual contractors/consultants.
17. If, as a consequence of an accident, any physical disability or condition of the insured person which existed before the accident occurred is aggravated, the amount of any compensation payable under this insurance in respect of the consequences of the accident shall be the amount which it is reasonably considered would have been payable if such consequences had not been so aggravated.
18. Permanent Partial Disablement Benefit.[5] Permanent Partial Disablement means disablement which prevents the insured person from attending to a substantial part of his business or occupation and which lasts twelve calendar months and at the expiry of that period being beyond hope of improvement.
19. The benefit under MAIP for permanent partial disablement is as follows:
a) a percentage of US $500,000 as per items 6 to 42 of the continental scale found in Annex B for:
· regular international professional staff;
· temporary international professional staff;
· official visitors; and
· internationally-recruited individual contractors/consultants; and
b) a percentage of ten times the net annual salary[6] subject to a maximum of US $500,000 as per items 6 to 42 of the continental scale found in Annex B for:
· regular GN staff;
· temporary GN staff;
· regular locally-recruited staff (both NPOs and GS staff);
· temporary locally-recruited staff (both NPOs and GS staff); and
· locally-recruited individual contractors/consultants.
Beneficiaries
20. In the case of death, the benefit payable is for the beneficiaries designated by the:
a) staff member on Form P-2 “Designation, Change, or Revocation of Beneficiary” (see Annex C); and
b) individual contractor/consultant on Form UNICEF/458(02/00) “Designation, Change, or Revocation of Beneficiary” (see Annex D).
Enrolment
21. No forms need to be completed for enrolment. Coverage is automatic and DHR makes all the arrangements for payment of the premium.
22. Human Resources/Operations Officers must ensure that all staff members (regular and temporary) and individual contractors/consultants have the original of the latest duly completed “Designation, Change or Revocation of Beneficiary” form in their files.
Premium
23. Coverage under MAIP is at no cost to the individual. UNICEF bears the full cost of the premium.
Security Measures
24. Insured individuals must strictly follow all security instructions issued by the United Nations Designated Official (UN DO) and the Field Security Officer or Adviser. Ignoring security instructions may be taken as deliberate exposure to exceptional danger which could render an individual's coverage null and void.
25. Heads of Offices in countries covered by MAIP:
a) must ensure strict adherence to security measures declared in countries, as failure to do so could result in tragic incidents and denial of related insurance claims;
b) should maintain and submit to the UN DO in the country, a regularly updated list of all staff present in the area; and
c) are responsible for ensuring that all staff members and consultants hold a valid contract at all times. No claim may be submitted without a valid contract.
26. Security Clearance. Before insured individuals travel at UNICEF's expense to a country in Security Phase I through V, regardless of the purpose of travel, they must request the UNICEF office in the destination country to obtain a security clearance from the UN DO for the country. It is also advisable to obtain security clearance for in-transit stops in such countries. This is especially important if the traveller(s) must leave the airport to travel to another airport to make a flight connection since, in many instances, there are restrictions on within-country movement.
27. Travel to or through such a country may not commence and tickets may not be given to the traveller until security clearance is received.
28. To request security clearance, the traveller should complete Form UNICEF/431 (3-96), “Request for Security Clearance” (see Annex E), and according to the duty station where he/she is posted:
a) if stationed in NY: fax or e-mail it to the Human Resources/Operations Officer[7] at the destination duty station, with a copy to the UNICEF Representative, two weeks ahead of the proposed travel. The Human Resources/Operations Officer will submit the request to the UN DO for Security at that duty station, then fax or e-mail the reply to the traveller. The traveller should then submit UN DO's reply to the Chief, TTS, DFAM, NY, along with his/her Travel Request. If the security clearance has been granted and all other clearances and authorizations for the travel have been received, the Chief, TTS, DFAM, will then release the tickets to the traveller; and
b) if stationed outside NY: give it to the Human Resources/Operations Officer at his/her duty station, two weeks ahead of the proposed travel. The Human Resources/Operations Officer will fax or e-mail the completed form to the Human Resources/Operations Officer[8] at the destination duty station, with a copy to the UNICEF Representative. The Human Resources/Operations Officer at the destination duty station will submit the request to the UN DO for Security at that duty station and fax or e-mail the DO’s reply to the Human Resources/Operations Officer at the traveller’s duty station. If the security clearance has been granted and all other clearances and authorizations for the travel have been received, the Human Resources/Operations Officer will then release the tickets to the traveller.
Claims
29. All claims, together with supporting documentation, must be submitted by the staff member or surviving beneficiary(ies) to the local Human Resources/Operations Officer, who is responsible for reviewing such claims and forwarding them to the Human Resources Officer in DHR, serving the duty station.
30. In the Event of Death. In the event of death, the following documentation should be submitted to the Human Resources Officer in DHR, serving the duty station (see Annex H):
a) original claim (see Annex I);
b) copy of the individual’s contract with UNICEF (i.e. Letter of Appointment or SSA);
c) if locally-recruited staff member, copy of the local salary scale at the time of the death;
d) if locally-recruited, copy of the applicable “Designation, Revocation or Change of Beneficiary” form (see Annexes C and D);