Local Benefits   Argus Pays

Room & Board, Psychiatric Ward, Hospice, Hospital Outpatient and Emergency Department, Physicians’ Services, Approved Diagnostic Imaging Facilities, Ground Ambulance, Home Medical Services

 

As specified under The Health Insurance Act

Artificial Limbs

 

$100,000 lifetime maximum

Palliative Care in a Home Setting

 

Covered

Oral Chemotherapies

 

Covered

Supplementary In-Hospital Benefits Argus Pays

Surgical, Obstetrical, Anaesthetic, Diagnostic and Medical Care

 

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

Combined Annual Maximum

 

$10,000 per policy year

Preventive and Diagnostic Benefits Argus Pays

Medical Nutritional Therapy (Provider must be a registered Dietitian)

Initial Consultation

Subsequent Individual Visit

Subsequent Group Session

Combined Maximum

$140; 1 per policy year

$60

$30

$680 per policy year

Diabetes Self-Management Education (Programme must be pre-approved by Argus)

Individual Visit

Group Session

Combined Maximum

$60

$30

6 visits/sessions per policy year

Allergy testing

 

Our Fee Schedule, $600 per lifetime

Allergy Injections

 

$20 per injection and serum combined

Voluntary Annual Health Exam Maximum

 

General Practitioner

Pediatric (2-18 years)

1 examination per policy year

$190

$180

Annual Specialist/Gynaecologist Exam (all ages)

 

$190; maximum 1 examination per policy year

Routine Diagnostic Testing in conjunction with Annual Exams

 

Bermuda Fee Schedule

Well-Baby Routine Health Examination (under 2 years)

 

$107

Maximum 6 examinations per policy year

Annual Eye Exam

 

$107 - maximum 1 examination per policy year

Routine Diagnostic Testing in conjunction with Annual Eye Exam (Provider must be approved by the Bermuda Health Council)

 

$100 per policy year

Immunisations and Injections

 

$30 per injection

Diagnostic Services in Private Testing Facilities

 

Bermuda Fee Schedule

Home and Office Medical Benefits   Argus Pays

General Practitioner

Specialist

Office Visit

Office Visit

$107

$107

9 visits per policy year combined

General Practitioner

Home Visit

$165

Maximum 3 per policy year

Specialist

Consultation

$280

Maximum 2 per policy year

In Office Medical/Surgical

  Bermuda Fee Schedule

Physical & Occupational Therapy

Individual Office Visit

Group Session

Combined Maximum

$60

$30

$720 per policy year

Chiropractic

 

$60

Maximum 6 visits per policy year

Chiropody/Podiatry

 

$60

Maximum 6 visits per policy year

Psychiatrist

Clinical Psychologist/Group Therapy

 

$180, 6 visits per policy year

$130, maximum 6 sessions per policy year

Substance Abuse Counselling:

  • Individual Visit
  • Group Session

Combined Maximum Substance Abuse Counselling

Smoking Cessation Programme - QuitSmart Programme

 

 

 

$75
$15

6 visits/sessions per policy year


$130 per policy year

 

Sclerotherapy

 

Bermuda Fee Schedule

$1,000 per policy year

Lymphedema Treatment

 

 

$110

28 visits per policy year

Chronic Kidney Disease Management (Programme must be pre-approved by Argus Health)

 

$3,900 per policy year

Prescription Benefits   Argus Pays

Prescription Drugs, Birth Control, Medicines and Sera available only by prescription

 

80% for brand name drugs
100% for generic drugs

$5,000 maximum per policy year

Benefits explained on this website provide a brief summary of our standard Individual Health Plan and are subject to limitations and policy maximums. Full terms and conditions are provided in the Master Policy.