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You should always seek the advice of a physician or another competent medical professional before beginning any physical activity and/or weight loss programme, or if you have any questions or concerns regarding your medical care. The Argus Thrive programmes are intended to complement, rather than substitute, for proper medical advice or treatment.
To access the Get Up & Thrive website, go to: thrive.argus.bm. Then click the ‘Join Now’/’Login’ banner. If this is your first time using the website, you will need to register for the service by entering your legal first name, last name and date of birth. If you are a new Argus member, it may take up to three weeks for your account to be created. If you are already registered for the service, you simply need to enter your login credentials to access the Get Up & Thrive website.
Eligible participants are all insured members with Argus Health, including spouses and dependents provided they are age 18 or older and are included on your Argus health insurance plan.
Get Up & Thrive is a comprehensive, activity-based social wellness programme that helps individuals set and meet personal health goals alongside their eligible colleagues, friends and family members. Built upon the belief that social support is the key to lasting, healthy lifestyle changes, Get Up & Thrive helps individuals succeed by fostering strong connections.

We understand at times that our clients may require assistance for a travel companion when accessing your Argus health benefits. Benefits for a travelling companion are approved in the following circumstances:

  • When the Insured Person is a minor Dependent Child,or has surgery or mental incapacity.
The Non-Medical Limit (NML) is the guaranteed amount of life insurance that an employee will receive upon enrolment. All amounts in excess of this amount are subject to satisfactory medical evidence of insurability. In other words, medical underwriting will be required for all excess amounts of insurance above the NML. NML’s vary by plan sponsor and are reviewed by the group underwriter every year during renewal.
The medical underwriting department should be advised of a death claim by the employer or policy owner.
Renewals occur for Group Life plans throughout the year. It depends on the anniversary date of the policy (i.e. the original policy effective date). For example, ABC Company insured for Group Life on November 1, 2012. ABC’s policy will renew on November 1st every year thereafter, unless otherwise stated.

Group Life premiums are calculated using the following formula: Premium rates are multiplied by the Volume of Insurance divided by $1,000 units of cover. The volume of insurance is determined by either a multiple of salary (e.g. 2 x annual salary) or a flat benefit amount (e.g. $5,000)

All rates are set by the Group Underwriters either during a quote or at renewal.

The Volume of Insurance depends on the Policyholder’s benefit and the employee’s approved benefit after medical underwriting.

An example of a Group Life Premium calculation would be:
$0.15 (rate) x $100,000 (volume)/$1,000 (units of cover) =$15.00 per month $0.04 (rate) x $100,000 (volume)/$1,000 (units of cover) = $4.00 per month.

Monetary benefits, which are payable to an insured’s beneficiary, depend on the covered employee’s benefit plan. The plan sponsor is the policyholder. The policyholder can take out a Group Life plan with a benefit as a multiple of salary or a flat life benefit. A flat life benefit is a lump sum amount determined by the demographics of the company.

At Argus we have a reduction clause, whereby an insured’s benefit reduces by 50% once they obtain age 65 up to a maximum benefit of $100,000. Most Group Life plans terminate coverage once an employee has attained the age of 70 years. Please note, group life plans do vary from one policyholder to the next.

Yes, benefits under the policy will not be paid in connection with a disability, resulting directly or indirectly, from a pre-existing condition until an employee has been insured under the policy for at least 12 calendar months.

Group Underwriters set Short Term Disability Premiums during renewals. A group underwriter will review a group as a whole, factor in claims experience and set the monthly rate based on a pre-determined cost analysis spreadsheet. The Short Term Disability premiums are billed monthly to the policyholder and will appear on the same invoice as their group health.

Short Term Disability plan renewals occur throughout the year and usually renew on the anniversary date of the policy or its original effective date.

Short Term Disability claims should be directed to Roslyn Francis (ext. 821) in our Group Claims Department. Mrs. Francis can advise if the claim is deemed a disability and communicate with the policyholder and employee on the particulars of the case.

Our standard income replacements are 50%, 66.67% and 75% of weekly earnings. Each benefit is subject to an overall weekly maximum, and plan design varies from plan sponsor.

Weekly Benefits will be paid to or on behalf of an Insured Employee if he/she becomes disabled while insured, is totally disabled throughout the Elimination Period, remains disabled beyond the end of the elimination period and submits proof of loss to us.

The Weekly Benefit will not exceed the Insured employee's net weekly benefit, or be paid for longer than the maximum benefit period. Please check with a Group Underwriter for additional information.

If you are a permanent full-time employee, under 65 years of age less the elimination period, and work a minimum of 20 hours per week at the employer’s usual place of business, you are eligible to join the plan.

All employees, aged 16 or above, of the Employer as defined by the Employment Act of 2000 and subsequent amendments, who are Bermuda residents and work for the Employer in connection with the Employer’s Business.

Eligible classes of employees can include:

  • Part-time employees working less than 15 hours per week for the Employer,
  • Temporary employees working less than three months per year for the Employer,
  • Students working for the Employer on weekends, public holidays and /or vacation periods.

Please note eligible classes of employees can vary from plan to plan. 

Workers' Compensation loss of income benefits can be based on the current legislated benefit of $170.00 per week or a percentage of salary. The group underwriter requires individual salary information for each employee who is insured for Workers' Compensation.

There are five components paid under our Workers' Compensation Plans. These components are (1) death benefit, (2) permanent total incapacity, (3) wage loss replacement, (4) medical expenses and (5) employers’ liability.

Workers' Compensation is a wage loss replacement benefit for expenses arising out of an accident or illness that occurs while working for an employer. In other words, job-related injuries and illnesses.

Bermuda has legislated benefits under the Workers’ Compensation Act (1965) together with subsequent amendments that hold employers liable to compensate their employees for loss of income and medical expenses. However, for most industries, insurance is not mandatory and the employer can choose either to self-insure against such expenses or purchase a workers’ compensation policy from an insurer.

It is important to know what coverage you have before your property is damaged, so you are encouraged to check each year to make sure your property is insured for the cost of replacing it. At the very least, check the value at the start of each hurricane season and, as a last resort and final fail-safe, check again as soon as a storm is declared as a threat to our island.

The replacement cost does not mean the sale cost, as the sale cost includes the land too, but it should include an allowance for demolition, then to remove debris and the cost of a new planning application, in addition to the actual building. In practice this generally adds about 13% of the property value.

Buildings Insurance applies to structures, fixtures and fittings. Contents Insurance applies to items that remain within the home, whereas personal possessions refer to items that are brought outside the home.

The coverage you choose depends on your specific needs. Please contact our Customer Service Centre at 298-0888 to discuss your coverage needs, or send us your contact information in a private message and we’ll reach out to you to further discuss.

Now that it is hurricane season, when is the latest point that I can purchase insurance to cover myself against damages from this year’s hurricanes?

At Argus, we put the interests of our clients first, and existing clients can update their sums insured at any time. We are currently accepting new clients and will continue to do so as long as possible in the face of an incoming storm. We encourage you to purchase your insurance now to ensure your property and belongings are protected, as damage caused within 48 hours of commencing the policy will not be covered for storm-related damage. 

 

It is important to know what coverage you have before your property is damaged, so you are encouraged to check each year to make sure your property is insured for the cost of replacing it. At the very least, check the value at the start of each hurricane season and, as a last resort and final fail-safe, check again as soon as a storm is declared as a threat to our island.

The replacement cost does not mean the sale cost, as the sale cost includes the land too, but it should include an allowance for demolition, then to remove debris and the cost of a new planning application, in addition to the actual building. In practice this generally adds about 13% of the property value.

Buildings Insurance applies to structures, including permanent fixtures and fittings. Contents Insurance includes furniture, furnishings, machinery and other items usual to the Insured’s business.

The coverage you choose depends on your specific needs. Please contact our Customer Service Centre at 298-0888 to discuss your coverage needs, or send us your contact information in a private message and we’ll reach out to you to further discuss.

Now that it is hurricane season, when is the latest point at which I can purchase insurance to cover myself against damages from this year’s hurricanes?

At Argus, we put the interests of our clients first, and existing clients can update their sums insured at any time. We are currently accepting new clients and will continue to do so as long as possible in the face of an incoming storm. We encourage you to purchase your insurance now to ensure your property and belongings are protected, as damage caused within 48 hours of commencing the policy will not be covered for storm-related damage. 

If you require additional assistance, please contact the Argus Customer Service Centre at 298-0888.

Yes, you can update your address and contact details by clicking on “New Address” under “My Profile”. Enter the “Effective Date”, “Description”, “Country” and click “Next”. Then, enter your new address and contact information and click “Next”. Verify the information that you have entered and click “Finish”.

Log into your account and select “Beneficiaries” from the list under “My Profile”. Your beneficiary details will automatically populate. If you wish to change your beneficiary, download the form from the “Forms/Documents” tab. You will need to sign it and send it to Argus. You can either drop this off or email it to pensions@argus.bm.

To view your Fund Fact Sheet, click on the “Funds” tab under “My Profile”. From the list on the left, click on “Fund Fact Sheet” and then select the Fund Fact Sheet that you wish to view.

Yes, you can view and make changes to your investment selection from your online account. To view and/or change your investment selection, click on the “Funds” tab under “My Profile”. From the list on the left, click on “Investment Election”. To change your investment election, click on “Change Investment Selection” on the bottom left and then click “Next”. Select “Total” or “Future Contribution” and click “Next”. From the menu of options, select your preferred investment election and click “Next”. Review the waiver statement and click “Next”. Review the summary of changes and click “Finish”.

teleNurse is a free telephone service provided by FONEMED and sponsored by Argus Health. It is available to all Argus Health customers.

For more information, contact the Customer Service Centre at 298-0888.

The service is part of a long-term drive by Argus to address the rising cost of healthcare by reducing claims through preventing unnecessary visits to the doctor’s office or emergency room.

When you or family members are sick or injured, an immediate call to teleNurse can potentially save you money from unnecessary trips to the doctor’s office or the emergency room. The teleNurse service will provide advice on whether you need further medical attention and where you should get it. The service is also available for general medical questions or concerns. Within minutes your questions will be answered, providing you with peace of mind.

Call teleNurse on 1-855-257-8908 to speak to a Registered Nurse any time or day of the week.

teleNurse is a free medical advice hotline, available 24 hours a day, 7 days a week, from Bermuda. Our teleNurse service provides convenient, round-the-clock access to quality healthcare information.

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Overseas Care Contacts

  • Toll Free U.S. Number::   1-855-691-8240
  • Direct:   1-905-532-2954
  • Email:   overseascare@argus.bm


Our Location

Address

  • The Argus Building
  • 14 Wesley Street
  • Hamilton HM 11
  • Bermuda
  • Send Mail To
  • P.O. Box HM 1064
  • Hamilton HM EX
  • Bermuda

Hours of Operations

  • Weekdays Monday - Friday
  • 8:30am - 5:00pm