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Calculators to help you reach your financial goals
Call us Monday - Friday: 8:30am - 5:00pm.
To access the Get Up & Thrive website click here. If you have already signed up for the programme, simply enter your login credentials. If this is your first time using the website, you will need to register for the programme first by clicking the "Register" button. If you are a new Argus member, it may take up to three weeks for your account to be created.
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.
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.
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.
The Non-Medical Limit (NML) is the guaranteed amount of life insurance that an employee will receive without requiring medical underwriting. 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 employer and are reviewed every year during renewal.
Medical underwriting is the use of medical or health information to assist in the evaluation of an applicant for coverage and determining the appropriate benefit and premium. Read more detail here.
The medical underwriting department should be advised of a death claim by the employer or the named beneficiary. If you need assistance please contact our Customer Service Team on 298-0888 or at insurance@argus.bm
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.
An average rate per $1,000 of insurance benefit is calculated for the plan based on the age and gender of insured employees. The average rate is multiplied by the employee’s volume of Insurance divided by $1,000 units of cover. The volume of insurance is determined by the employee’s insured benefit amount and the benefit plan which is either a multiple of salary (e.g. 2 x annual salary) or a flat benefit amount (e.g. $5,000)
The average rate is reviewed annually.
An example of a Group Life Premium calculation would be:
$100,000 (volume) x $0.15 (rate) /$1,000 (units of cover) =$15.00 per month
An example of Group Accidental Death and Dismemberment (AD&D):
$100,000 (volume) x $0.04 (rate)/$1,000 (units of cover) = $4.00 per month.
If an employee is unable to work due to symptoms of or tests positive for COVID-19, your employee might be eligible to receive STD benefits in accordance with the policy benefit. Note that self-quarantine or self-isolation minus illness are not qualifying factors. Illness is the determining factor to receiving the STD benefit.
The Argus office at 14 Wesley Street is now open to the public 9am to 4pm Monday to Friday.
We want you to feel secure and comfortable when you visit Argus and we’ve followed the Government’s COVID-19 operations to create an environment that’s safe for all. New practices include, signage to remind and encourage social distancing protocols, the wearing of face masks, hand sanitiser stations and limited opening hours to allow for deep cleaning and sterilisation.
Argus will continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email insurance@argus.bm for assistance.
We encourage our pensions and health members, corporate clients and personal motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.
No. To qualify for Short Term or Long Term Disability benefits, you must be totally disabled due to an accident or illness and unable to work. Check with your employer to determine the company’s policies with respect to time off from work.
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 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 our Customer Service Team on 298-0888 or at insurance@argus.bm Our Claims Team will advise if the claim is deemed a disability and communicate with the policyholder and employee on the particulars of the case.
No. To qualify for Workers’ Compensation benefits an employee must be disabled due to a work-related accident or occupational disease as defined in the Workers' Compensation legislation and unable to work.
The Argus office at 14 Wesley Street is now open to the public 9am to 4pm Monday to Friday.
We want you to feel secure and comfortable when you visit Argus and we’ve followed the Government’s COVID-19 operations to create an environment that’s safe for all. New practices include, signage to remind and encourage social distancing protocols, the wearing of face masks, hand sanitiser stations and limited opening hours to allow for deep cleaning and sterilisation.
Argus will continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email insurance@argus.bm for assistance.
We encourage our pensions and health members, corporate clients and personal motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.
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.
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:
Please note eligible classes of employees can vary from plan to plan.
There are six components included in our Workers' Compensation Plan in accordance with the Workers’ Compensation Act 1965. Benefits are payable in the event of death, disability or injury resulting from a workplace accident as follows:
(1) death benefit equal to the deceased employee’s earnings in the past 3 years*
(2) permanent total incapacity benefit equal to the disabled employee’s earnings in the past 4 years*,
(3) permanent partial incapacity benefit equal to a percentage of the amount payable for permanent total incapacity
(4) wage loss replacement for an injured employee who is unable to work in the amount of 2/3 of weekly earnings (or a higher percentage of salary if selected by the employer)
(5) medical expenses in accordance with legislated fees and benefits and
(6) employers’ liability at law is covered .
*or 3 or 4 years, as applicable, of the average annual per capita income as recorded by the Bermuda Government
Your Business Interruption policy will not cover you for losses incurred as a result of a pandemic. Business Interruption insurance is designed to protect the insured for losses of business income it sustains as a result of physical loss, damage, or destruction to insured property by a covered peril. Insured perils can be found listed in your policy wording and usually consist of fire, lightning, explosion, hurricane, storm, flood, escape of water, riot, impact and earthquake.
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.
To complete registration you will need your car or bike policy number. You must also provide a jpg of a valid government-issued photo ID such as a passport or driver’s license. click here to register and, after reading the requirements, click ‘Next’.
Fill the form with the requested details and press ‘Next’. Once you have uploaded your ID, agree to the Terms of Service and Privacy Policy and press ‘Submit’.
Once completed, a confirmation will appear onscreen. After your account is verified and approved, you will receive an activation link via email.
You can also register for Argus Vantage to access your Health or Pensions accounts. Simply follow the steps above and provide your Health Certificate Number to manage your Health account or your Social Insurance number to view your Pensions account.
We’re open. Speak to a member of our team at 14 Wesley Street from 9am to 5pm Monday to Friday.
Argus will also continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email insurance@argus.bm for assistance.
We encourage our pensions and health members, corporate clients and personal home, motor and marine policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.
Your pension investments are well diversified. In structuring the Argus Select Funds, we created risk profiles with the understanding that the markets periodically experience stress. Creating a proper blend of high-risk, low-risk and uncorrelated assets helps us to preserve capital during times of stress. Click here to read more.
As always, when markets create significant moves there will be persons experiencing stress as they feel the impacts of being in higher risk positions. We encourage you to seek professional guidance before making any decisions to move your pension funds to ensure that you fully understand possible impacts.
The Pensions Department can be contacted at pensions@argus.bm or, alternatively, contact our Customer Service Centre at 441-298-0888.
The Argus office at 14 Wesley Street is now open to the public 9am to 4pm Monday to Friday.
We want you to feel secure and comfortable when you visit Argus and we’ve followed the Government’s COVID-19 operations to create an environment that’s safe for all. New practices include, signage to remind and encourage social distancing protocols, the wearing of face masks, hand sanitiser stations and limited opening hours to allow for deep cleaning and sterilisation.
Argus will continue to support your needs online and by telephone. You can reach our Customer Service Centre on (441) 298-0888 between the hours of 8:30 am and 5:00 pm or email pensions@argus.bm for assistance.
We encourage our pensions and health members, corporate clients and personal motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.
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