I am a Caymanian with a medical pre-existing condition. I’m finding it very hard to get a job and I think it’s because adding me to the company health insurance will raise the rates for everyone. What are my options? Can I get personal insurance that I can afford?
Auntie’s answer: I was able to get some information on your question but I do not think you will be completely satisfied. An official with the Health Insurance Commission first of all addressed your job-hunting issues, saying, “We hope that an employer would not discriminate against a person because of a pre-existing medical condition.”
While noting, “The commission cannot compel any employer to hire an individual,” he pointed out “an approved insurer would be in contravention of the health insurance legislation if they declined to offer the Standard Health Insurance Contract to an individual who is resident in the Cayman Islands because the individual may have a pre-existing medical condition”.
But while you have to be offered insurance, the official explained that your premium may be higher than the standard rate, depending on the pre-existing condition. There may be some leeway in that premium, though, because the “increase in premium would be assessed and where appropriate approved by the commission”, the official explained.
For more information, you can call the Health Insurance Commission at 946-2084 or go to the Department of Health Regulatory Services website.