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Cayman Islands - Health system
There is no National Health Service in the Cayman Islands and even the most remedial medical treatment is expensive. We advise you to take out adequate travel and medical insurance before travelling. This must cover air ambulance and third country (USA) medical treatment. You should check any exclusions, and that your policy covers you for all the activities you want to undertake.
HEALTH INSURANCE Health insurance in Cayman is required by law. The law stipulates that employers must take out health insurance for their employees from the very first day of employment, regardless of the type or length of their work permit.
Plans vary from the basic to the all-inclusive, which covers prescriptions, dental, optical and most outpatient services. The cost also varies with age. Pre-existing conditions are sometimes excluded so be sure to ask before cancelling your insurance at home - it is possible you could get global coverage on your existing health insurance which will cover you in Cayman.
Some medical and dental practitioners accept local insurance "on assignment" provided that the insurance company guarantees payment and your deductible has been met. This means that they will claim directly from the insurance company for work done on your behalf. Be aware that all charges may not be paid by the insurance company as some private practice fees may exceed the "Reasonable and Customary Fees". You are advised to always confirm with the medical practitioner the cost of the impending treatment.
For large items it is not unreasonable to ask for a written quote which is called a "predetermination of benefits". Almost all medical practitioners will verify your insurance coverage with the insurance company before they carry out any service. |
General Information:
To receive a free, no obligation tailored quotation for International private medical insurance in the Cayman Islands please complete a quote form and one of our expert advisors will email you initial quotations within one working day. If you would prefer someone to contact you by telephone to discuss your medical insurance needs for the Cayman Islands in more detail, please let us know in the "Questions" box at the end of this form or visit our callback page.
Use of your information will solely by used by APRIL Medibroker and any personal information will remain confidential within normal procedures in advising on and completing applications for private medical insurance and associated plans. Your information will not be disclosed to any third parties outside of APRIL Group or used for unsolicited marketing.