Vital Standard Health Insurance Plan

Our Vital Individual Health Insurance Plan provides affordable healthcare coverage in Bermuda only. You might be interested in this plan if you have children and need healthcare coverage that fits into your strict budget.


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

 
$10,000 Combined annual maximum per policy year

 

Medical Nutritional Therapy (Provider must be a registered Dietitian):
  • Initial Consultation: $160, 1 per policy year
  • Subsequent Visits: $65
  • Subsequent Group Session: $35
$745 combined maximum per policy year

 
Diabetes Self-Management Education (Programme must be pre-approved by Argus):
  • Group Session: $30, maximum 12 sessions per policy year
 

Diabetes Reversal Programme:
  • Initial programme: $4,650, 1 per lifetime (Programme must be pre-approved by Argus)
  • Maintenance programme following completion of initial programme:
    • Office visits with physician: $115, 2 visits per policy year
    • Group sessions: $35 per session, 2 sessions per policy year
 

Annual Foot Exam:
$150, maximum 1 exam per policy year
For persons with type I or II diabetes or diabetic neuropathy


 
Allergy testing:
Our Fee Schedule, $600 per lifetime

 
Allergy Injections:
$20 per injection and serum combined

 
Annual Health Exam:
Maximum 1 exam per policy year
  • General Practitioner: $200
  • Pediatric (2-18 years): $195
 

Annual Specialist / Gynaecologist Exam (all ages):
$200, maximum 1 exam per policy year

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

 
Well-Baby Routine Health exam (under 2 years):
$107, maximum 6 exams per policy year

 
Annual Eye Exam:
$115, maximum 1 exam per policy year
Routine Diagnostic Testing in conjunction with Annual Eye Exam (Provider must be approved by the Bermuda Health Council): 
$200 per policy year


 
Immunisations and Injections:
$30 per injection

 
Diagnostic Services in Private Testing Facilities:
Includes Genetic Testing (Must be pre-approved by Argus): covered by approved fee schedule.
 

General Practitioner
  • Office Visit: $115, 9 visits per policy year combined with Specialist
  • Home Visit: $170, maximum 3 per policy year
 

Specialist
  • Consultation: $295, maximum 2 per policy year
  • Office Visit: $115, 9 visits per policy year combined with General Practitioner
 

In Office Medical / Surgical Treatment
Bermuda Fee Schedule

 
Physical & Occupational Therapy/TENS:
  • Individual Visit: $70
  • Group Session: $35
$840 combined maximum per policy year

 
Chiropractic:
$70, maximum 6 visits per policy year

 
Chiropody / Podiatry:
$70, maximum 6 visits per policy year

 
Behavioural Therapies for Autism Spectrum & Attention Deficit Disorders (Must be pre-approved by Argus):
Individual and family applied behavioural therapies 100% of billed charges, $2,500 maximum per policy year

 
Psychiatrist:
$180, maximum 6 visits per policy year

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

Counselling Services:
  • Individual Visit: $100
  • Group Session: $45
6 visits/sessions combined maximum per policy year

Smoking Cessation Counselling:
  • Individual Visit: $100
  • Group Session: $45
Combined Maximum, Smoking Cessation $370 per policy year

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


 
Lymphedema Treatment:
$110, 28 visits policy year

 

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
$7,500 maximum per policy year
 
Benefits explained on this website provide a brief summary of our standard Individual Health Plan and are subject to limitations and policy maximums. Full terms and conditions are provided in the Master Policy.