Healthcare

A broad range of medical services are available on Grand Cayman with two fully-equipped hospitals, numerous clinics and many private specialist doctors and general practitioners. We also attract a wealth of visiting specialists. Healthcare and medications are quite costly. It is advised that you secure your health insurance immediately, as health insurance coverage is mandatory on the Island with employment.

HEALTH INSURANCE

Health insurance 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. The cost of coverage can be split 50/50. The average cost of a basic plan for an individual is CI$100–$120 per month. The premier plan costs between CI$300–$320 per month per individual. Almost all insurance companies have a deductible that must be met before the plan starts paying either 100% or 80% of the costs. It is worth discussing with your health insurance provider exactly what is and what is not covered.

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. Almost all medical practitioners will verify your insurance coverage with the insurance company before they carry out any service.