Signal

The Signal plan offers affordable coverage for the healthcare needs of many people. This basic plan provides employers with a menu of choices and is best for those who want a lower-cost, high-quality policy.


Coverage
Premium
$

Health Insurance Act (HI)

Room & Board, Psychiatric Ward, Hospice, Hospital Outpatient and Emergency Department, Physicians’ Services, Approved Diagnostic Imaging Facilities, Ground Ambulance, Home Medical Services, Dialysis and Anti-rejection Drugs

As specified under The Health Insurance Act

 
Artificial Limbs

$100,000 lifetime maximum

 

Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care
Bermuda Fee Schedule

 
Ground Ambulance to Home
As specified under The Health Insurance Act

 
Chronic Disease Management Programme
80% | $2,880 maximum per policy year

 
Medical Alarm Device
80% | $200 maximum per policy year

 

Medical Nutritional Therapy (Provider must be a registered Dietitian):
  • Initial Consultation: $140, 1 per policy year for each type of service
  • Subsequent Visits: $60
  • Subsequent Group Session: $30
$680 combined maximum per policy year

 
Diabetes Self-Management Education (Programme must be pre-approved by Argus):
  • Individual Visit: $60, 1 per policy year for each type of service
  • Group Session: $30
6 visits / sessions combined maximum per policy year

 
Allergy testing:
Our Fee Schedule, $600 per lifetime

 
Allergy Injections:
$20 per injection and serum combined

 
Voluntary Annual Health Exam:
Maximum 1 examination per policy year
  • General Practitioner: $190
  • Pediatric (2-18 years): $180
 

Annual Specialist / Gynaecologist Exam (all ages):
$190, maximum 1 examination per policy year

 
Routine Diagnostic Testing in conjunction with Annual Exams:
Bermuda Fee Schedule

 
Well-Baby Routine Health Examination (under 2 years):
$107

 
Annual Eye Exam:
$107, maximum 1 examination per policy year
Routine Diagnostic Testing in conjunction with Annual Eye Exam (Provider must be approved by the Bermuda Health Council): 
$100 per policy year


 
Immunisations and Injections:
$30 per injection

 
Diagnostic Services in Private Testing Facilities:
Bermuda Fee Schedule

 

General Practitioner:
  • Office Visit: $107
  • Home Visit: $165, maximum 3 per policy year
Specialist:
  • Consultation: $280, maximum 2 per policy year
  • Office Visit: $107
9 visits per policy year combined
 

In Office Medical / Surgical Treatment
Bermuda Fee Schedule

 
Physical & Occupational Therapy/TENS:
  • Individual Visit: $60
  • Group Session: $30
$720 combined maximum, all services, per policy year

 
Chiropractic:
$60, maximum 6 visits per policy year

 
Chiropody / Podiatry:
$60, maximum 6 visits per policy year

 
Psychiatrist: $180, maximum 6 visits per policy year

Clinical Psychologist/Group Therapy Session: $130, maximum 6 visits per policy year

Substance Abuse Counselling:
  • Individual Visit: $75
  • Group Session: $15
6 visits/sessions per policy year combined maximum for Substance Abuse Counselling

Smoking Cessation Programme - QuitSmart Programme: $130 per policy year

 
Sclerotherapy:
Bermuda Fee Schedule
$1,000 per policy year


 
Lymphedema Treatment:
$110, 28 visits policy year

 
Chronic Kidney Disease Management (Programme must be pre-approved by Argus):
$3,900 per policy year

 

Major Medical Benefits are applicable to overseas treatment and services.
Eligible Expenses are payable at a percentage of the lesser of Usual and Customary Charges or Discounted Rates.


 
All Insured Persons:
Policy Year: $500,000
Lifetime:
$1,500,000

 
Dependent Children over age 19 and under age 26 who are not full-time students (maximum length of coverage 12 months):
Policy Year: $500,000
Lifetime: $500,000

 
Emergency Treatment:
Insured calls Argus Health within 48 hours of incident: 100% Coinsurance
Insured does not contact Argus Health within 48 hours of incident: 10% Coinsurance for inpatient facility only and all other services will not be eligible.


 
Treatment not Available in Bermuda:
Argus Pre-Approves: 100% Coinsurance (obtained in Argus “Preferred Provider Network)
Argus does not Pre-Approve: 10% Coinsurance for inpatient facility only and all other services will not be eligible.

 
Treatment Available in Bermuda:
10% for inpatient facility only, and all other services will not be eligible.

 
Neonatal Treatment:
Charges related to neonatal, congenital birth defects and high-risk pregnancy will only be payable at 100% if they are pre-approved and treatment is obtained within the Canadian Argus Network.
 
   

The following services are eligible for airfare and accommodation and must be pre-approved by Argus in order to receive maximum reimbursement. Airfare and accommodation are only eligible for Psychiatric and Substance Abuse services, Emergency Treatment and Treatment which is not available in Bermuda:

Inpatient Care:
Semi-private accommodation

 
Intensive Care, Outpatient and Emergency Care:
Unlimited

 
Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care:
Unlimited

 
Physician Services - Home or Office Visit:
Unlimited

 
Rehabilitation / Skilled Nursing Facility:
Semi-private up to 60 days per policy year

 
Home Healthcare
Unlimited

 
Transplant Services:
Unlimited

 
Psychiatric Hospital or Substance Abuse Treatment Facility (must be pre-approved by Argus in order to be eligible):
$850 x 45 days
$38,250 maximum per policy year

 
Psychiatric Professional Services (must be pre-approved by Argus in order to be eligible):
$1,200 per policy year

 
Hotel or Rental Accommodation:**
  • Insured Person or or Insured Minor and Parent/Guardian jointly: $180 per day
  • Without Hotel or Rental Accommodation: 50% of above amounts
Combined Maximum with commercial Economy Airfare: $14,500 per policy year

Commercial Economy Airfare:**
(Per Insured Person or per Insured Minor and Parent/Guardian jointly. Excludes preferred/priority seating and baggage fees)
Combined Maximum with Hotel or Rental Accommodation: $14,500 per policy year
 
   

The following services must be pre-approved by Argus in order to be eligible:

Ground Ambulance and Air Ambulance:
Unlimited

 
Cardiac Rehabilitation/Exercise Programme:
$2,000 per policy year

 
Repatriation of remains:
$10,000 for return of remains
 

Vision Care Benefits are applicable Worldwide.**

Prescription Eye Glasses or Contact Lenses:
$400 per policy year payable at 100%

 
Elective Surgical Treatment for Vision Correction:
$2,000 per lifetime payable at 100%

**Airfare and accommodation do not apply to Worldwide Treatment and Services


 

Dental Benefits are applicable Worldwide.**
Benefits are payable in accordance with the Bermuda Dental Fee Schedule. Please obtain a pre-estimate of benefits from your dentist prior to undergoing extensive dental procedures.


Basic Dental Services (DE01):

Preventive and Diagnostic:
100% of Fee Schedule
Policy Year: Unlimited
Lifetime: Unlimited


 
Exams, Consultations, Polishing, Scaling or Root Planing, Fluoride:
100% of Fee Schedule
Policy Year: $1,400
Lifetime: Unlimited


 
Surgical and Minor Restorative:
100% of Fee Schedule
Policy Year: Unlimited
Lifetime: Unlimited


 
Endodontics: 
100% of Fee Schedule
Policy Year: Unlimited
Lifetime: Unlimited


 
Periodontics:
50% of Fee Schedule
Policy Year: $2,000
Lifetime: Unlimited
 
   

Major Restorative Services (DE02):
50% or 80% of Fee Schedule
Policy Year: $4,000
Lifetime: Unlimited
 
   

Orthodontic Services (DE03):
Only Insured Persons up to age 19 are covered
50% of Fee Schedule
Policy Year: N/A
Lifetime: $3,000

**Airfare and accommodation do not apply to Worldwide Treatment and Services


 

Prescription Benefits are applicable Worldwide.**

Prescription Drugs, Birth Control, Medicines and Sera available only by prescription:
80% for brand name drugs
100% for generic drugs
$5,000 maximum per policy year


**Airfare and accommodation do not apply to Worldwide Treatment and Services
 
Benefits explained on this website provide a brief summary of our standard Group Health Plan and are subject to limitations and policy maximums. Full terms and conditions are provided in the Master Policy.