Vital Health Insurance Plan

Our Vital Individual Health Insurance Plan provides affordable healthcare coverage in Bermuda only. You might be interested in this plan if you have children and need healthcare coverage that fits into your strict budget.


Coverage
Premium
$$

Health Insurance Act (HI)

As specified under The Health Insurance Act 1970 and its regulations, orders and rules

 

 

Ancillary Hospital Services
100%, Bermuda Hospitals Board Fee Schedule

 
Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care
100%, 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: $160, 1 per policy year
  • Subsequent Visits: $65
  • Subsequent Group Session: $35
$745 combined maximum per policy year

 
Diabetes Prevention Programme (Programme & provider must be pre-approved by Argus):
  • Group Session: $30, maximum 12 sessions per policy year
 
   

Annual Foot Exam:
$150, maximum 1 exam per policy year
For persons with type I or II diabetes or diabetic neuropathy


 
Allergy testing:
Our Fee Schedule, $600 per lifetime

 
Allergy Injections:
$20 per injection and serum combined

 
Annual Health Exam:
Maximum 1 exam per policy year
  • General Practitioner: $225
  • Pediatric (2-18 years): $195
 

Annual Specialist / Gynaecologist Exam (all ages):
$225, maximum 1 exam per policy year

 
Routine Diagnostic Testing in conjunction with Annual Exams:
100%, Bermuda Fee Schedule

 
Well-Baby Routine Health exam (under 2 years):
$107, maximum 6 exams per policy year

 
Annual Eye Exam:
$115, maximum 1 exam per policy year
Routine Diagnostic Testing in conjunction with Annual Eye Exam (Provider must be approved by the Bermuda Health Council): 
$200 per policy year


 
Immunisations and Injections:
$30 per injection

 
Laboratory & Diagnostic Services in Private Testing Facilities:
Includes Genetic Testing and Sleep Studies (Must be pre-approved by Argus): covered by approved fee schedule. 
COVID-19 Testing (Approved Tests at Approved Facilities)
100%, Bermuda Fee Schedule
 

General Practitioner
  • Office Visit: $125, 9 visits per policy year combined with Specialist
  • Home Visit: $170, maximum 3 per policy year
 

Specialist
  • Consultation: $315, maximum 2 per policy year
  • Office Visit: $125, 9 visits per policy year combined with General Practitioner
 

Telemedicine 
  • Virtual Office Visit, Same as in-person reimbursement. 
  • With a Local Provider only, Subject to benefit maximums.

(Services & providers must be pre-certified/approved by Argus; refer to FAQ’s)

 

In Office Medical / Surgical Treatment
100%,Bermuda Fee Schedule

 
In-Office COVID-19 Sample Collection (and associated charges relating to evaluation and management, PPE and handling)
50%, Bermuda Fee Schedule or as otherwise directed by the Bermuda Health Council guidelines

 
Physical & Occupational Therapy/TENS:
  • Individual Visit: $75
  • Group Session: $35
$900 combined maximum per policy year

 
Chiropractic:
$75, maximum 6 visits per policy year

 
Chiropody / Podiatry:
$75, maximum 6 visits per policy year

 
Behavioural Therapies for Autism Spectrum & Attention Deficit Disorders (Must be pre-approved by Argus):
Individual and family applied behavioural therapies 100% of billed charges, $10,000 maximum per policy year

 
Psychiatrist:
$190, maximum 6 visits per policy year

Clinical Psychologist/Group Therapy Session:
$140, maximum 6 sessions per policy year

Counselling Services (Includes Art, Play & Equestrian Therapies):
  • Individual Visit: $100
  • Group Session: $45
6 visits/sessions combined maximum per policy year

Smoking Cessation Counselling:
  • Individual Visit: $100
  • Group Session: $45
Combined Maximum, Smoking Cessation $370 per policy year

 
Neuropsychological Testing (Services must be pre-certified by Argus):
100%, Bermuda Fee Schedule. Maximum 1 test every 2 policy years
 
Sclerotherapy:
100%, Bermuda Fee Schedule
$1,000 per policy year


 
Lymphedema Treatment:
$110, 28 visits 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
$7,500 maximum per policy year
 
Benefits explained on this website provide a brief summary of our Vital Individual Health Plan and are subject to limitations and policy maximums. Full terms and conditions are provided in the Master Policy.