Major medical benefits are only included with our Essential and Classic Health Plans.

To help you make the most of your coverage, here’s what you need to know:

• Selecting local options: If a treatment is available in Bermuda, your plan does not cover the cost if you choose to have it done overseas instead.
• When overseas care is covered: Your major medical benefit covers emergency care and medically necessary treatment that is not available in Bermuda.
• What counts as an emergency: This includes urgent, non-elective care required due to an accident or sudden illness, where treatment is necessary to prevent serious or permanent harm to your health.
• What to do in an emergency: You must contact Argus within 48 hours of first receiving care. If we are not notified within this timeframe, your coverage will be reduced to 10% of the billed charges.
• For non-emergency treatment: If the care you need isn’t available in Bermuda, it must be pre-certified by Argus and accessed through the Argus Preferred Provider Network to receive maximum reimbursement based on your policy.

For full details, please refer to your Schedule of Benefits or contact us directly — we’re here to help you navigate your options.