Health Insurance Questions
Can Cayman residents be covered by US insurer?
I’ve just retired and my wife isn’t working. I have permanent residence and my wife is here as my dependent. After being on the SHIC plan through my employer for years and realising it barely covers anything, we were very worried about being able to afford our health insurance in retirement. But we found a […]
Do I have to pay doctor before surgery?
I’m hoping you might shed some light on the recent practice of health services requiring full payment for a procedure and then the patient expected to be reimbursed by the insurer. Case in point: our son has a scheduled knee surgery and we’re having to pay the anaesthesiologist in full before the surgery is to […]
Overseas coverage for CINICO members
Will CINICO cover students while studying overseas? Not every student will study in the UK. Not every student studying overseas is considered an international student, therefore won’t require school-issued insurance. What about retirees on extended holidays lasting 3-6 months overseas, will CINICO cover them? Current civil servants on holidays, will they be covered in the […]
Insurance coverage for students
For students (both Caymanian and non-Caymanian) at university in the UK who are covered under the National Health Service and are no longer under their parents’ policy, what can they do for health insurance over the Christmas and summer breaks if they return to Cayman? Auntie’s answer: Returning students, whether Caymanian or non-Caymanian, who are […]
How private is genetic information?
Are there any laws or policies that protect personal genetic information from being released to health insurance companies in the Cayman Islands? I’ve been talking to a friend who is wary of being tested for the BRCA gene mutations that cause increased risk of certain cancers. Their doctor does not know whether if someone signs […]
Insurance companies take away drug choices
How can a doctor prescribe a medication to treat a chronic illness and an insurer then decide they know better than the doctor and choose not to cover it? What is even more infuriating is the Big Pharma alternative is three times more expensive than cannabis oil and has so many side effects yet they […]
Insurance obstacle preventing necessary treatment
I need an expensive procedure which is over the limits of my health insurance. I have negotiated a reduced price with the hospital if I pay them cash. However, my insurance company refuses to authorise me to proceed with the treatment, saying they will only reimburse the hospital directly, not to me. This means that […]
Patient looking for CINICO to cover cannabis oil
I have a condition that I think may be helped by cannabis oil. However, my health insurance is covered by CINICO and I don’t think any Health Services Authority doctors prescribe it. If a private doctor gives me a prescription, will CINICO pay for it? Auntie’s answer: The good news for you is that CINICO will […]
Getting insured with a pre-existing condition
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 […]
Carrying two health insurance policies
Is a consumer in Grand Cayman allowed to belong to more than one medical insurance scheme? I had thought not, but while in a doctor’s rooms, I overheard someone make a statement that they did have more than one. Auntie’s answer: Yes, you may take out two separate health insurance policies but there is a caveat to […]
