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Health Insurance

The Health Insurance Department (HID) provides affordable health coverage for residents of Bermuda to assist with access to healthcare.

HID offers three health insurance plans that are open to individuals or groups. Group plans are provided for employers who must provide health insurance for their employees and the employees’ non-employed spouses under the Health Insurance Act 1970.

For more information about an employers’ health insurance responsibilities visit: Employers compliance with the Health Insurance Act 1970.

These plans are:

Plans

Eligibility

Health Insurance Plan Youth (HIP Youth)

Persons between 0–18 years old OR up to 21 years old if registered in a local educational facility.

Premium is $190

Health Insurance Plan (HIP)

For those 18 years and over.

Premium is $433.31

FutureCare

For 65 years and older.

Premium is $504.21 with a Certificate of Entitlement (see below)

Enrollment into the plans is a simple process which requires an applicant to complete the appropriate form (see the table below for more information). You can register at any time.

Acceptance into one of the appropriate plans will not be denied. Below are the forms for enrollment:

Form

Who should complete:

Employers  

Persons over the school leaving age who are not working but are seeking health insurance   

Self-employed persons over school-leaving age

Youth dependents from 0–18 years old or up to 21 if enrolled full-time in a local educational facility

Must be dependents of a person newly enrolling or recently terminated from another insurer.  

Persons over the age of 65

 

Persons over the age of 65 who have lived on island in the 10 consecutive years within the last 20 years prior to their 65th birthday.

Must be completed to apply for the Government’s aged subsidy.

 

For any questions on enrollment in these plans, please contact a customer service representative on 295-9210 who would be happy to assist.

The Health Insurance Department is also responsible for managing the Mutual Reinsurance Fund and the Government’s subsidies. These programmes support the affordable health insurance plans.

The department does not manage Government Employees Health Insurance (GEHI). The Health Insurance Department’s services are only for residents of Bermuda who are not employees of the Government of Bermuda.

Read the:

 

Who should I contact about dental or overseas claims queries?

For dental claim queries please contact Argus at 298-0888.

For overseas claims queries please call 441-278-9870 for our overseas providers GMMI.

 

How can I contact the Health Insurance Department with general inquiries?

Telephone (441) 295-9210

Email:  hip@gov.bm

By mail:

P.O. Box HM 2160
Hamilton HM CX

In person:

2nd Floor, Sofia House
48 Church Street, Hamilton HM 12

 

 

Ministry

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