Vital Standard

For people who are generally healthy and have children who need coverage on a budget, this plan features:


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: $140, 1 per policy year
  • 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
  • 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, maximum 6 examinations per policy year

 
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, 9 visits per policy year combined with Specialist
  • 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 with General Practitioner
 

In Office Medical / Surgical Treatment
Bermuda Fee Schedule

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

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

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

 

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.