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Health Insurance

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Health Plans

CIHL has been providing health, insurance, risk management and other services to large organizations, individuals, families and small employer groups in the BVI and Anguilla since 1973. Today, CIHL is one of the British Virgin Islands’ leading health insurance agencies.

Why Choose Caribbean Insurers (Health) Limited ("CIHL")?

When you choose CIHL for your health insurance needs, you are backed by an organization with experience, expertise and commitment – a powerful force working for you! CIHL is a full service health insurance agency – from quotations to enrollment to claims service.

You can count on CIHL for:
  • Solid health insurance protection.
  • Customized coverage to meet your needs and budget.
  • An extensive provider network and participating pharmacies you can search online here. (You can also download the complete Caribbean and Latin American provider network by clicking here.)
  • Prompt, fair claims processing and payment.

Stability and Longevity

With CIHL strength and stability on your side, you’ll not only have the dependable health insurance coverage you need, but the peace of mind you deserve for employees and/or your family. Our team of health associates has well over 100 years of collective experience in the health insurance business.

National Health Insurance (NHI) "Supplementary" Plans

Why choose a “Supplementary” Plan?

Even though we at CIHL are providers of health plans, we’re no different than you when it comes to the mandatory enrollment in the National Health Insurance (NHI) scheme. And like you, we also recognize that there are limitations in coverage that comes along with the NHI health scheme. This is why we’ve worked hard with Guardian Life of the Caribbean (GLOC) and Lloyd’s to come up with health plans we believe supplement coverage gaps in your NHI plan.

Our “Supplementary” plans have been designed to addresses different coverage areas and price-points. We’re confident you’ll find a plan that works best for you.

Please click on the “Supplementary” plans below to read more:

Schedule of Benefits

IMPORTANT: Medical expenses incurred in the British Virgin Islands are not covered under this Plan. Such medical expenses should be submitted to the Virgin Islands National Health Insurance office for appropriate reimbursement.

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Certificate of insurance and is subject to the definitions, terms, conditions, warranties, limitations, exclusions and to all other provisions of the Certificate of insurance. Covered Medical Expenses are based on the lesser of the Usual, Customary and Reasonable fees or the rates negotiated by Underwriters for the Medically Necessary treatment of an Illness or Injury covered under the Certificate.

IMPORTANT: Failure to pre-certify in accordance with the Pre-certification requirement will result in an additional 35% penalty for Preferred Providers, and 50% for Non-Preferred Providers. This penalty is in addition to any other Co-insurance or Deductible stipulated in the Schedule of Benefits and applies in full notwithstanding any applicable Maximum Out of Pocket Expenses Cap.

IMPORTANT: The per Insured Person and per Family Deductibles are applied to the Covered Medical Expenses before the Co-insurance factors. The resulting net amount (after applications of Deductibles and Co-insurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable Covered Medical Expense. Any stipulated per Insured Person or per Family Out of Pocket Expenses Cap amount is always in addition to any stipulated per Insured Person or per Family Deductible amount.Supplementary.

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific benefit then any further expenses relating to any treatment or condition falling under that benefit are no longer covered, irrespective of any Maximum Out of Pocket Expenses Cap.

IMPORTANT: All potential or actual claims that may result in a Covered Medical Expense under this Certificate, even if such Covered Medical Expense falls wholly or partly within the applicable Deductible, must be submitted to the Agent or Third Party Administrator in accordance with the “Submission of a Claim” condition within the Certificate. Failure to comply with this condition will lead to denial of the claim.

Non – Preferred

Provider

Preferred Provider

USA & Worldwide

Preferred Provider

Puerto Rico

Lifetime Maximum

$2,000,000

Annual Deductible Per Insured Person

 

$250

$250

$250

Waived

Family Annual DeductibleK
(2 Family members to satisfy)

$500

$500

$500

Waived

Dental Annual Deductible,  if applicable

 

$50

$50

$50
Waived

Dental Annual Deductible, if applicable
(2 Family members to satisfy)

$100

$100

$100
Waived

Co-Insurance

See Below

See Below

See Below

Maximum Out of Pocket Expenses Cap

per Insured Person per year for Covered

Medical Expenses

$10,000

$4,000

$2,500

 

Maximum Out of Pocket Expenses Cap

per Family each year for Covered Medical

Expenses

$20,000

$8,000

$5,000

 

Non Pre-certification penalty

50%

35%

35%

LEARN ABOUT THIS INSURANCE PLAN

Schedule of Benefits

IMPORTANT: Medical expenses incurred in the British Virgin Islands are not covered under this Plan. Such medical expenses should be submitted to the Virgin Islands National Health Insurance office for appropriate reimbursement.

 

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Certificate of insurance and is subject to the definitions, terms, conditions, warranties, limitations, exclusions and to all other provisions of the Certificate of insurance. Covered Medical Expenses are based on the lesser of the Usual, Customary and Reasonable fees or the rates negotiated by Underwriters for the Medically Necessary treatment of an Illness or Injury covered under the Certificate.

 

IMPORTANT: Failure to pre-certify in accordance with the Pre-certification requirement will result in an additional 35% penalty for Preferred Providers, and 50% for Non-Preferred Providers. This penalty is in addition to any other Co-insurance or Deductible stipulated in the Schedule of Benefits and applies in full notwithstanding any applicable Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: The per Insured Person and per Family Deductibles are applied to the Covered Medical Expenses before the Co-insurance factors. The resulting net amount (after applications of Deductibles and Co-insurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable Covered Medical Expense. Any stipulated per Insured Person or per Family Out of Pocket Expenses Cap amount is always in addition to any stipulated per Insured Person or per Family Deductible amount.

 

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific benefit then any further expenses relating to any treatment or condition falling under that benefit are no longer covered, irrespective of any Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: All potential or actual claims that may result in a Covered Medical Expense under this Certificate, even if such Covered Medical Expense falls wholly or partly within the applicable Deductible, must be submitted to the Agent or Third Party Administrator in accordance with the “Submission of a Claim” condition within the Certificate. Failure to comply with this condition will lead to denial of the claim.

 

LEARN MORE ABOUT THIS PLAN

Schedule of Benefits

IMPORTANT: This Policy is to be used as Secondary Insurance to the Virgin Islands National Health Insurance (NHI).

 

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Individual Health Policy and is subject to the definitions, benefit limitations, exclusions and to all other provisions of the Individual Health Policy.Covered medical expenses are based on the usual customary and reasonable charges incurred by you or your Dependents while insured hereunder for Medically Necessary treatment of an Illness or Injury.

 

IMPORTANT: The Per Insured and Per Family Deductibles are applied to the covered medical expenses before the Coinsurance factors.The resulting net amount (after applications of Deductibles and Coinsurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable medical treatment or condition. Family includes the Covered Insured, Spouse and any Dependents.

 

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific treatment or condition then any further expenses relating to that treatment or condition are no longer covered, irrespective of any maximum out of pocket cap.

LEARN MORE ABOUT THIS PLAN

Schedule of Benefits

IMPORTANT: Medical expenses incurred in the British Virgin Islands are not covered under this Plan. Such medical expenses should be submitted to the Virgin Islands National Health Insurance office for appropriate reimbursement.

 

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Certificate of insurance and is subject to the definitions, terms, conditions, warranties, limitations, exclusions and to all other provisions of the Certificate of insurance. Covered Medical Expenses are based on the lesser of the Usual, Customary and Reasonable fees or the rates negotiated by Underwriters for the Medically Necessary treatment of an Illness or Injury covered under the Certificate.

 

IMPORTANT: Failure to pre-certify in accordance with the Pre-certification requirement will result in an additional 35% penalty for Preferred Providers, and 50% for Non-Preferred Providers. This penalty is in addition to any other Co-insurance or Deductible stipulated in the Schedule of Benefits and applies in full notwithstanding any applicable Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: The per Insured Person and per Family Deductibles are applied to the Covered Medical Expenses before the Co-insurance factors. The resulting net amount (after applications of Deductibles and Co-insurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable Covered Medical Expense. Any stipulated per Insured Person or per Family Out of Pocket Expenses Cap amount is always in addition to any stipulated per Insured Person or per Family Deductible amount.Supplementary.

 

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific benefit then any further expenses relating to any treatment or condition falling under that benefit are no longer covered, irrespective of any Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: All potential or actual claims that may result in a Covered Medical Expense under this Certificate, even if such Covered Medical Expense falls wholly or partly within the applicable Deductible, must be submitted to the Agent or Third Party Administrator in accordance with the “Submission of a Claim” condition within the Certificate. Failure to comply with this condition will lead to denial of the claim.

 

LEARN MORE ABOUT THIS PLAN

Schedule of Benefits

IMPORTANT: Medical expenses incurred in the British Virgin Islands are not covered under this Plan. Such medical expenses should be submitted to the Virgin Islands National Health Insurance office for appropriate reimbursement.

 

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Certificate of insurance and is subject to the definitions, terms, conditions, warranties, limitations, exclusions and to all other provisions of the Certificate of insurance. Covered Medical Expenses are based on the lesser of the Usual, Customary and Reasonable fees or the rates negotiated by Underwriters for the Medically Necessary treatment of an Illness or Injury covered under the Certificate.

 

IMPORTANT: Failure to pre-certify in accordance with the Pre-certification requirement will result in an additional 35% penalty for Preferred Providers, and 50% for Non-Preferred Providers. This penalty is in addition to any other Co-insurance or Deductible stipulated in the Schedule of Benefits and applies in full notwithstanding any applicable Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: The per Insured Person and per Family Deductibles are applied to the Covered Medical Expenses before the Co-insurance factors. The resulting net amount (after applications of Deductibles and Co-insurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable Covered Medical Expense. Any stipulated per Insured Person or per Family Out of Pocket Expenses Cap amount is always in addition to any stipulated per Insured Person or per Family Deductible amount.Supplementary.

 

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific benefit then any further expenses relating to any treatment or condition falling under that benefit are no longer covered, irrespective of any Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: All potential or actual claims that may result in a Covered Medical Expense under this Certificate, even if such Covered Medical Expense falls wholly or partly within the applicable Deductible, must be submitted to the Agent or Third Party Administrator in accordance with the “Submission of a Claim” condition within the Certificate. Failure to comply with this condition will lead to denial of the claim.

 

LEARN MORE ABOUT THIS PLAN

Schedule of Benefits

IMPORTANT: This Plan will not cover medical expenses incurred in the British Virgin Islands.

 

IMPORTANT: This Schedule of Benefits should be read in conjunction with the Individual Health Policy and is subject to the definitions, benefit limitations, exclusions and to all other provisions of the Individual Health Policy. Covered medical expenses are based on the usual customary and reasonable charges incurred by you or your Dependents while insured hereunder for Medically Necessary treatment of an Illness or Injury.

 

IMPORTANT: Failure to pre-certify in accordance with the Pre-certification requirement will result in an additional 35% penalty for Preferred Providers, and 50% for Non-Preferred Providers. This penalty is in addition to any other Co-insurance or Deductible stipulated in the Schedule of Benefits and applies in full notwithstanding any applicable Maximum Out of Pocket Expenses Cap.

 

IMPORTANT: The Per Insured and Per Family Deductibles are applied to the covered medical expenses before the Coinsurance factors. The resulting net amount (after applications of Deductibles and Coinsurance) is always subject to any stipulated maximum dollar limit payable by Underwriters for the applicable medical treatment or condition. Family includes the Covered Insured, Spouse and any Dependents.

 

IMPORTANT: Once the Underwriters limit has been exhausted in respect of a specific treatment or condition then any further expenses relating to that treatment or condition are no longer covered, irrespective of any maximum out of pocket cap.

 

LEARN MORE ABOUT THIS PLAN

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