extends to any local providers. It is possible that insurance companies have already set up a relationship with local providers, which can save you out-of-pocket costs. However, it is not mandatory for medical facilities to accept overseas insurance. Residents who will have relatives visiting are recommended to inquire about their visitors’ insurance too. If your visitors’ insurance will not cover them whilst in Cayman, they should be encouraged to seek a travel policy to protect them. For more information on health insurance for kids, turn to the Health chapter of the 2022 edition of Cayman Parent magazine.
must be obtained through an approved insurance provider. This includes the Government-owned CINICO, as well as: Aetna 2nd Floor, North Building, Caribbean Plaza Tel: (345) 623 8621 Email: McCallisterA@aetna.com. Offers high quality health insurance plans for your home and travel needs. BAF Insurance Company (Cayman) Ltd. Dot Com Centre, Dorcy Drive, Industrial Park Tel: (345) 949 5089 caymancustomerservice@mybafsolutions.com Provides affordable health insurance plans
Health Insurance Providers The Health Insurance Act (2013), Health Insurance Regulations (2013) and Insurance Act (2010) provide a framework for monitoring the Cayman Islands’ health insurance industry. Approximately 94% of Cayman’s population is covered by health insurance, which is mandatory for all residents, and
designed to meet the needs of a wide crosssection of residents of the Cayman Islands. CG BritCay Ltd. BritCay House, 236 Eastern Avenue, GT Tel: (345) 949 8699 Email: medical_ky@cgcoralisle.com www.cgcoralisle.com CG BritCay Ltd. is a member of Coralisle Group
“Opening Doors to Wellness For Our Members” Government-owned INSURANCE COMPANY which provides HEALTH INSURANCE COVERAGE to residents of the Cayman Islands
PRODUCTS
CINICO currently offers health insurance products in the following categories:
Civil Servants & Pensioners
Health care coverage available to Civil and Public Servants and their dependents.
Seafarers & Veterans
This plan provides health insurance coverage to qualified Seafarers, Veterans and their dependents, and is administered on behalf of the Ministry of Finance.
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Standard Health Insurance Contract (S.H.I.C.) Plan
As it is a legal requirement for all residents of the Cayman Islands to have health insurance coverage, this plan provides the minimum coverage required by law, and is available to all residents upon application and payment of premiums.
SERVICES
Medical Case Management & Claims Units
There is no doubt that with this level of in-house expertise, as well as exceptional customer service, CINICO’s members enjoy the invaluable benefits of a sense of security and peace of mind.
Cayman Centre, 1st Floor, Airport Road | P.O. Box 10112, Grand Cayman KY1-1001 Tel: 345-949-8101 | Fax: 345-949-8226 | www.cinico.ky
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www. c a y m a n r e s i d e n t . c o m
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H E A LT H & W E L L N E S S
Fee (SHIF) schedule, which can be found at www.dhrs.gov.ky. (Look for the ‘Standard Health Insurance Fees’ on the Health Insurance Commission page). Medical providers are not required to charge within the SHIF fees, and balances above the SHIF fees are the patient’s responsibility. For large medical services, it is not unreasonable to ask for a written quote, which is called a ‘predetermination of benefits’ or ‘preapproval for medical necessity’. If a retiree or visitor to Cayman requires medical assistance on the Island they will usually pay upfront for services, keep all receipts and submit a claim once they return to their home country. The receipts will usually need to be fully itemised with diagnosis information and include international disease codes. As a visitor you should request that a claim form be completed using Cayman’s standard claim form. It is advised that you call your insurance provider before travelling to Cayman to verify how your benefits will work here. You may also wish to check if your insurance network
