Frequently Asked Questions

COVID-19: General Health Service Queries

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.

Pensions and health members and personal motor policy holders can register for a Vantage online account here.

Pensions and health corporate clients can register here for an online account.

COVID-19: Member Health Queries

Coronaviruses are a large family of viruses which may cause illness in animals or humans. In humans, several coronaviruses are known to cause respiratory infections ranging from the common cold to more severe diseases. COVID-19 is the infectious disease caused by the most recently discovered coronavirus.tory and the employer can choose either to self-insure against such expenses or purchase a workers’ compensation policy from an insurer.

Argus will cover treatment for COVID-19 based on your current health benefits plan.

Symptoms of coronavirus (COVID-19) are like an upper respiratory infection, which may include:

  • Fever
  • Tiredness
  • Dry cough

Some patients may experience:

  • Aches and pains
  • Nasal congestion
  • Runny nose
  • Sore throat
  • Diarrhoea

Most people (about 80%) recover from the disease without needing special treatment. Older adults, and those with underlying medical problems like high blood pressure, heart problems or diabetes, are more likely to develop serious illness. If you develop fever, cough and difficulty breathing, seek medical attention.

Every individual can take action to help contain the coronavirus and slow the spread. We urge everyone to adopt basic protective measures against the coronavirus as suggested by the WHO.

  • Regularly and thoroughly clean your hands with an alcohol-based hand rub or wash them with soap and water.
  • Maintain at least 1 metre (3 feet) distance between yourself and anyone who is coughing or sneezing.
  • Avoid touching your eyes, nose and mouth.
  • Follow good respiratory hygiene. This means covering your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately.
  • Stay home if you feel unwell and call your doctor.

The diagnostic swab test for COVID-19 falls under your usual diagnostic services benefit. Therefore, if a diagnostic test is deemed medically necessary and ordered by a medical professional, it will be covered in accordance with your current health plan benefits. Free voluntary diagnostic and antibodies testing (in conjunction) is currently being offered to the public by the Government. More details can be found here. Health plan coverage of voluntary testing and antibodies blood testing will be in accordance with pending Ministry of Health and Bermuda Health Council COVID-19 testing and back-to-work.

If you are an insured member with Major Medical (MM) benefits*, and you are overseas and require a diagnostic swab test, you have coverage. Travelers returning to Bermuda are required to obtain a certified negative polymerase chain reaction (PCR) diagnostic swab test within 72 hours of departure. You must call One Team Health (OTH) within 48 hours of having the diagnostic PCR swab test for it to be covered at 100%. Please review the MM benefit in your employee booklet under “Emergency Treatment” for coverage details.

*Check your insurance card for coverage details.

Argus will continue to cover phone and online video calls until August 31, 2020 for insured members* in alignment with guidance from the Bermuda Health Council. You should not have a co-pay for these services. Coverage is for regulated healthcare professionals, including:

  • Physicians
  • Registered Dietitians
  • Clinical Psychologists
  • Clinical Psychiatrists

 *For insured members with Home & Office (HO) benefits. Check your insurance card for coverage details.

If you are an Argus Health client and experience any health issue overseas, you should immediately contact the Argus-owned One Team Health emergency hotline on 1-905-532-2954 or via the US toll-free number 1-800-720-7315 or email overseascare@argus.bm for assistance.

Argus will cover initial consultation and follow-up telemedicine visits with overseas medical providers based on your current overseas care benefits*. For pre-certification assistance with scheduling your appointment, contact One Team Health (OTH) and a Case Manager will be able to direct you to a provider based on your needs and to minimise out-of-pocket expenses.

Members who have recently received a challenging diagnosis (e.g. cancers, blood disorders, spinal surgery, etc.) may utilise the InfiniteMD virtual medical second opinion offered by Argus. Contact OTH at 1-800-720-7315 or email overseascare@argus.bm to get started.

*For insured members with Major Medical (MM) benefits. Check your insurance card for coverage details.

Yes. Argus Health clients may obtain refills of prescribed medications from pharmacies up to a 90-day supply.

New and existing members can access their cards and policy information via Argus Vantage. For hard copy ID cards please contact 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.

COVID-19: Employer Health Queries

While every business has different needs, we recommend your company consider viewing the following https://www.gov.bm/coronavirus-workplace

Argus Vantage

To complete registration you will need your Health Certificate 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 Pensions account or to renew your car and bike policies online. Simply follow the steps above and provide your Social Insurance Number to register with your Pensions account or your motor policy number to review and renew your bike or car policy.

Once signed in to Argus Vantage, click ‘My Profile’ and then press the red ‘Change Email’ button. Enter the email you currently use to sign in to Vantage and the new email address you wish to use, and press ‘Submit’. You will receive an email to your new email address prompting you to press the ‘Reactivate Now’ button. You will not be able to sign into Vantage until you have reactivated your account via this email.

At the top right of the Argus website, click the green ‘Sign In’ button to access a drop-down menu. Under ‘Members’, click ‘Argus Vantage’. On the Vantage sign in page click “Don’t remember your password?”. Enter your email address and you will receive an email with a link to reset your password. Your chosen password must contain a capital letter, a symbol, a number, and be at least 8 characters long.

Once signed in to Argus Vantage, click ‘My Profile’ and then press the red ‘Reset Password’ button. Enter the email address you use to sign into Vantage and press ‘Submit’. You will receive an email with a link to reset your password. Your chosen password must contain a capital letter, a symbol, a number, and be at least 8 characters long.

In order to deactivate your account, please call the Argus Customer Service Centre on (441) 298-0888.

Get Up & Thrive.

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.

Claims

You should submit claims as soon as possible after the date of service. In order for benefits to be paid claims must be received within 12 months of the date of service.

You may submit claims for amounts up to $1,000 through Argus Vantage at www.argus.bm/argus-vantage. From the Health Dashboard, click on Health Forms and select the appropriate Health or Dental Claim form. Complete, scan and upload the form with your itemised invoices and receipts.  You may also mail hard copies of these documents to our office at the address below. Original itemised invoices and receipts are required for amounts over $1,000.

Telenurse

The telenurse advice line is a free phone service (441-298-0430) providing Argus health insurance clients with greater access to medical advice and guidance. Registered nurses are available to assist callers with non-emergency health situations and direct them to the appropriate level of care.

Telenurse is available at any time- day and night, including holidays and weekends.

Telenurse is intended for those experiencing acute illness or injury, requiring basic medical advice or an opinion on whether further medical care is needed. Callers can get care advice after hours and prevent unnecessary ER visits, while adhering to shelter-in-place guidance. A telenurse call can help you:

  • Decide when to visit your doctor, get urgent or emergency care*
  • Manage common or everyday health concerns including, but not limited to, mild fever, rashes or minor burns, ear or sinus problems, etc.
  • Learn about preventive care

*The telenurse advice line is not a substitute for emergency care.

Call 911 if you or someone else is experiencing any of the following:

  • Chest pain/pressure or difficulty breathing
  • Loss of consciousness, fainting or seizures
  • Bluish lips or face
  • Fever above 104 degrees
  • Serious wounds/bleeding that won’t stop
  • Severe abdominal pain
  • Severe cuts or burns
  • Poisoning
  • Broken bones
  • Vaginal bleeding with pregnancy
  • Severe allergic reactions

During your call, a registered nurse will ask a few questions and give you information and recommendations to help you decide what to do next.

You should always follow the advice of your general practitioner (GP) and other healthcare professionals. Argus is covering phone and online video calls with local and overseas regulated healthcare providers for insured members**. You should not have a co-pay for these services. Contact your GP or other healthcare providers directly if:

  • You are managing a chronic condition or need assistance with managing your medications
  • You have follow up appointments and services, including routine wellbeing or maintenance, getting test results, reviewing medications and requesting refills.


**For insured members with Home & Office (HO) benefits. Check your insurance card for coverage details.

If you are experiencing symptoms related to or suspect you have been exposed to COVID-19, please call your doctor directly or the Bermuda Government help line at 441-444-2498 (WhatsApp 441-504-6045) for advice.

Those who do not have a regular local GP have the option of being directed to our medical partners, Island Health Services, if they are advised by a telenurse that the need further evaluation. Telenurse will assist with scheduling your phone or online video appointment with a doctor at Island Health Services to address your health needs. You will not have a co-pay for this service.


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.

Customer Service Centre:
For routine health claims questions, call 298-0888 to speak with one of our knowledgeable Customer Service Representatives. 

Worldwide Call Centre (if you require treatment overseas):
Before making any arrangements to travel overseas for medical treatment, please call us for pre-approval.From Bermuda, Canada and USA, call 1-800-720-7315 (toll free) or 1-905-532-2954 (collect) or email overseascare@argus.bm. Argus Representatives are available to provide assistance with emergency medical care, emergency medical evacuation, discharge planning, loss of travel documents and insurance verification.

Your spouse (including legally married or common law spouse or legal domestic partner) and children. 

Your child must be an unmarried, natural child, step-child, child of a dependent spouse or a legally adopted child who:

  • is under the age of 19; or
  • is over the age of 19 but under age 26, if the child is in full-time attendance in a recognised school, college or university; or
  • is over the age of 19, and is impaired by reason of mental illness, physical illness or disability or intellectually disabled and unable to meet the requirement for physical health, safety or self-care

In general, your dependents will have the same health insurance benefits as you. Please note:

  • your non-working/unemployed spouse must be insured for full coverage
  • your working spouse may be insured for everything except Health Insurance Act benefits which must be provided by your spouse’s employer
  • your self-employed spouse may be insured for full coverage
  • dependent children may be insured for full benefits although they may be entitled to Bermuda government subsidies for the Health Insurance Act benefits

Providing you enrol in the plan within 31 days of first becoming eligible:

  • coverage begins on the date that you commence active work or, if you are not actively at work on that date, on the date you return to work
  • coverage for a non-working/unemployed spouse begins on the date your coverage begins
  • coverage for any other dependent begins on the date your coverage begins or, the date you first enrol an eligible dependent, whichever is later
  • coverage for any subsequent eligible dependent begins on the date of eligibility provided the dependent is not in hospital and is actively pursuing normal activities
  • coverage for a new born child begins at birth provided enrolment is made within 31 days of the birth

If you or your dependent enrol in the plan more than 31 days of first becoming eligible:

  • we may require proof of good health and coverage will become effective on the date we approve such evidence
  • if dental coverage is provided, you and your dependent will be limited to $1,000 maximum in the first 12 months of coverage

Immediately. To ensure coverage is kept up to date, complete the Change of Information Form and submit it to your employer’s plan administrator for:

  • Change in coverage
  • Change of dependent status
  • Change of name

Complete the Change of Information Form for Individual Coverage
Complete the Change of Information Form for Group Coverage

Yes. If your coverage terminates under this group policy you may apply, without providing evidence of insurability, for an individual health insurance policy within 31 days of your termination date. The individual policy we will issue may provide more limited coverage than the group policy. The premium due for the individual policy will be based on the rates in effect at that time for your gender and age.

Complete the Application for Conversion to Individual Health Plan Form.

We will continue coverage for eligible expenses incurred as a result of the total disability, without premium payment, for up to 3 months. This extension will only apply if the group policy remains in force.

You should submit claims as soon as possible after the date of service. In order for benefits to be paid claims must be received within 12 months of the date of service.  Original itemized invoices and receipts should accompany the Argus Health Claim form.

Sign up for our Electronic Funds Transfer service to receive your health claims for via direct deposit to your local Bermuda bank account.

Reference to “policy year” in the attached schedule of benefits refers to May 1 through April 30.

All medical pre-existing conditions are covered. Dental pre-existing conditions limitations apply to the provision of a crown, post, inlay, onlay, denture, bridgework or implant.  Please contact our Customer Service Centre for more information before you receive 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.

Your Health Insurance Act benefits end on the last day of the month in which your employment terminates. The Health Insurance Act benefits will be extended, without premium payment, for up to 4 weeks following the end of the month in which employment terminates, provided you do not become employed or eligible for insurance as a non-working spouse.  All other benefits end on the date your employment terminates.  

Your dependents’ coverage will end on the earliest of the following:

  • The date your coverage ends
  • The date the policy is amended to terminate dependent insurance
  • The date the dependent is no longer an eligible dependent

The following is a list of care, treatment, supplies or charges that your health policy does not cover:

  • Cosmetic surgery
  • Charges which arise from work-related injury or sickness that are required to be covered under the Worker’s Compensation Act 1965
  • Charges resulting from liability which is established under the provisions of the Motor Car Insurance (Third Party Risks) Act, 1943, or other similar act or legislation
  • Charges incurred when no charge would have been made if no insurance coverage had been in force
  • Services performed by a person who ordinarily resides in the insured person’s home or who is a close relative or by a physician or nurse who is an employee of a hospital and is paid by the hospital
  • Charges for investigational/experimental procedures, or for procedures which are not medically necessary
  • Charges as a result of complications of any excluded procedure
  • Charges for testing or training for educational, vocational or learning disabilities
  • Charges resulting from the voluntary taking or being under the influence of any controlled substance, drug, hallucinogen or narcotic not administered or taken on the advice of a physician
  • Charges resulting from injuries sustained while committing, or attempting to commit, an indictable criminal offence or felony, or when driving while the blood alcohol level exceeds 80 milligrams of alcohol per 100 milliliters of blood, or as otherwise defined by the relevant legislation
  • Charges resulting from war, declared or undeclared, insurrection or active participation in a riot or rebellion
  • Charges for replacement of supplies or appliances which are lost, mislaid, stolen or broken
  • Charges for services performed by a provider of services not licensed, authorised or practising within the scope of his license or qualifications, or whose qualifications do not satisfy the requirements of the policy to provide such treatment
  • Diagnostic tests performed for the use of a third party including, but not limited to:
    • visa requirements
    • employment requirements
    • school entrance, and
    • life insurance examinations
  • Services provided mainly as a rest cure, maintenance or custodial care
  • Infertility, artificial insemination, in vitro fertilisation, or the services of a surrogate mother
  • Treatment of sexual dysfunction or for sexual transformations
  • Treatment in connection with the reversal of surgical sterilisation
  • The amount in excess of the usual & customary charges
  • The part of any eligible expense that is in excess of the amount allowable under the Health Insurance Act or the Bermuda Hospitals Board Act (Medical and Dental Charges) legislation
  • Charges for which benefits are payable by any program or agency funded by any government or for which the insured person is entitled by law to obtain benefits without charge
  • Charges for missed appointments, advice by telephone other than approved telemedicine services, completion of claim forms, supplying of records, referral letters or reports, or transportation costs incurred by a physician or other provider
  • Professional services billed by a nurse while the insured person is confined in a hospital or other institution.
  • Amounts in excess of the amount shown in the schedule of benefits
  • A temporomandibular joint (TMJ) disorder, except as specifically provided under the dental benefit
  • Charges for any injury or sickness arising from improper use of the Wellness Programme
  • Ionising radiation or radioactive contamination from any nuclear fuel or waste

COVID-19: General Life Service Queries

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.

COVID-19: Member Life Queries

Argus will pay life insurance benefits according to the terms of your policy regardless of type of illness. There are no specific exclusions related to COVID-19.


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 typically 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.

Group Life Insurance provides protection against financial consequences due to death. By insuring employees, the company is providing their dependents with financial security. Group Life provides a monetary benefit in the event of an employee’s death while employed by the employer. It is provided to all active full-time employees who work a minimum of 20 hours per week.

Under the Employment Act 2000, employers must pay up to 26 weeks of wages on an employee’s death resulting from an occupational disease or accident. Our Group Life Insurance policy may be used to provide this benefit.

Our Group Life Policy provides a Living Assurance benefit, wherein Argus pays up to 50% of the life insurance benefit (up to a maximum benefit) to an employee, while living, should that employee become terminally ill.

Other highlights include an Accidental Death and Dismemberment (AD&D) rider, which provides an additional level of protection by offering more financial security in the event the employee’s death or dismemberment was due to accidental means. AD&D also provides such benefits as continued education for dependent children and rehabilitation in formal rehabilitation programmes.

In addition to life insurance for employees, Argus offers options for employees to purchase additional amounts of insurance for themselves, as well as coverage for their spouse and dependents. These benefits come under our Additional Voluntary Life, Spousal Life and Dependent Life Insurance policies.

COVID-19: General Disability Service Queries

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.

COVID-19: Member Disability Queries

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.

COVID-19: Employer Disability Queries

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. 


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 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 a member in our Claims Department who will 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.

COVID-19: General Workers' Compensation Service Queries

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. While the revised legislation, which increased the minimum weekly wage replacement benefit and, in most cases, the required premium, became effective April 1st, your April and May invoices will continue to reflect your existing premium rate. Thereafter, your June invoice will include the deferred April and May premium difference in addition to your new monthly premium aligned to the recent legislative changes.

Yes. Your policy coverage has increased as of April 1st to comply with the revised legislation, however, the associated premium increases will be deferred and then retroactively applied to your June statement.

Yes. To provide additional financial assistance, your premiums will reflect the number of working or active staff. An Argus representative will contact you to obtain your current census data and recalculate your premium according to employees who remain actively at work. The change in premium will then be reflected on your June invoice.

COVID-19: Employer Workers' Compensation Queries

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.

General Workers' Compensation Queries

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:

  • 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. 

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.


COVID-19: General Property & Casualty Service Queries

We’re open. Speak to a member of our team at 14 Wesley Street from 9am to 4pm 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 motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.

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.

We 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 motor policy holders to register for a Vantage online account to gain access to policy information and a number of self-service tools.

Pensions and health members and personal motor policy holders can register for a Vantage online account here.

Pensions and health corporate clients can register here for an online account.

COVID-19: Employer Property & Casualty Queries

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.

Hurricane

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. 


COVID-19: General Pensions Service Queries

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.

Pensions and health members and personal motor policy holders can register for a Vantage online account here.

Pensions and health corporate clients can register here for an online account.

COVID-19: Member Pensions Queries

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.

COVID-19: Employer Pensions Queries

The Pensions Department can be contacted at pensions@argus.bm or, alternatively, contact our Customer Service Centre at 441-298-0888.


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

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.

On the login page, click on “Forgot Your Password”. Enter the requested details (“SIN (social insurance) Number”, “First Name”, “Last Name” and “Date of Birth”) and then click “Continue”. Finally, you will need to answer three security questions and hit “Submit.”

Registration is easy. Click “Member Login” under the “Pensions” section. A login page will appear and select “Not Registered”. This will take you to the online registration form. You will need your social insurance number to register. This number can be obtained from your member pension statement, your employer or the Social Insurance Department.

Within one to two business days after completing registration, Argus will send you an email containing your login and password information.

Electronic Bill Payments

HSBC Bank of Bermuda Ltd

  • Setup a new bill payment
  • Select Argus Pension from the drop down box (either BMD or USD)
  • You will be asked for your account number. Your account is your policy number (example 2345)
  • For reference please put your company name

 

Butterfield Bank

  • Setup a new bill payment
  • Select Argus Insurance Co. Ltd - Pension (either BMD or USD)
  • Payee reference will be your policy number (example 2345)
  • Memo detail please put your company name

 

Direct Transfers

HSBC Bank of Bermuda Ltd

  • Account Name:       Argus Insurance
  • Account Number:   USD 010174571501; BMD 010174571002
  • Reference: Your company name and policy number

 

Butterfield Bank

  • Account Name:      Argus Insurance Company Limited
  • Account Number:   USD 8400092290037; BMD 0600092290025
  • Reference: Your company name and policy number

 

Advise Argus Pensions via email at pensions@argus.bm the value date of the payment and the amount you have authorized.

The contributions received by Argus Pensions will be allocated on the next applicable valuation date.

Electronic Bill Payments

HSBC Bank of Bermuda Ltd

  • Setup a new bill payment
  • Select Argus Pension from the drop down box (either BMD or USD)
  • You will be asked for your account number. Your account number will be as follows:
    • For Individual Retirement Plan (IRP) - 916 followed   by your Social Insurance Number (example 916012345)
    • For Argus Wealth Builder Plan (AWB) - 2501 followed by your Social Insurance Number (example 2501012345)
  • For reference please put your name

 

Butterfield Bank

  • Setup a new bill payment
  • Select Argus Insurance Co. Ltd - Pension (either BMD or USD)
  • Payee reference will be as follows:
    • For Individual Retirement Plan (IRP) - 916 followed   by your Social Insurance Number (example 916012345)
    • For Argus Wealth Builder Plan (AWB) - 2501 followed by your Social Insurance Number (example 2501012345)
  • Memo detail please put your name

 

Direct Transfer

HSBC Bank of Bermuda Ltd

  • Account Name:       Argus Insurance
  • Account Number:   USD 010174571501; BMD 010174571002
  • Reference: Your name, Plan Number & SIN (example Joe Smith 916012345) Or (example Joe Smith 2501012345)

 

Butterfield Bank

  • Account Name:      Argus Insurance Company Limited
  • Account Number:   USD 8400092290037; BMD 0600092290025
  • Reference: Your name, plan number & SIN (example Joe Smith 916012345) Or (example Joe Smith 2501012345)

 

Advise Argus Pensions via email at pensions@argus.bm the value date of the payment and the amount you have authorized.

The contributions received by Argus Pensions will be allocated on the next applicable valuation date.

Yes. The government (social insurance pension) plan, also called the Contributory Pension Fund, is separate from the Occupational Pensions Act.

The law allows you to receive your pension either in the form of regular annuity payments for your lifetime or by making withdrawals from your account using a prescribed formula to ensure that you receive payments for life. In either case, provision may be made for payment to a beneficiary upon your death after retirement.

The National Pension Scheme (Occupational Pensions) Act came into existence on January 1, 2000.

An employer must enroll all employees who are either Bermudian or the husband or wife of a Bermudian. Non-Bermudians may be included, excluded, or covered under a separate plan.

HSBC Bank of Bermuda Ltd

  • Account Name:       Argus Insurance
  • Account Number:   USD 010174571501                   BMD 010174571002
  • Reference: Your name, Plan Number & SIN (example Joe Smith 916012345) Or (example Joe Smith 2501012345)

 

Butterfield Bank

  • Account Name:      Argus Insurance Company Limited
  • Account Number:   USD 8400092290037         BMD 0600092290025
  • Reference: Your name, plan number & SIN (example Joe Smith 916012345) Or (example Joe Smith 2501012345)

 

Advise Argus Pensions via email at pensions@argus.bm the value date of the payment and the amount you have authorized.

The contributions received by Argus Pensions will be allocated on the next applicable valuation date.

HSBC Bank Bermuda Ltd
  • Setup a new bill payment
  • Select Argus Pension from the drop down box (either BMD or USD)
  • You will be asked for your account number. Your account number will be as follows:
    • For Individual Retirement Plan (IRP) - 916 followed   by your Social Insurance Number (example 916012345)
    • For Argus Wealth Builder Plan (AWB) - 2501 followed by your Social Insurance Number (example 2501012345)
  • For reference please put your name
Butterfield Bank
  • Setup a new bill payment
  • Select Argus Insurance Co. Ltd - Pension (either BMD or USD)
  • Payee reference will be as follows:
    • For Individual Retirement Plan (IRP) - 916 followed   by your Social Insurance Number (example 916012345)
    • For Argus Wealth Builder Plan (AWB) - 2501 followed by your Social Insurance Number (example 2501012345)
  • Memo detail please put your name

To complete registration you will need your Social Insurance 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 account or to renew your car and bike policies online. Simply follow the steps above and provide your Health Certificate Number to register with your Health account or your motor policy number to review and renew your bike or car policy.