RSSHealth Insurance Questions

Overseas coverage for CINICO members

Overseas coverage for CINICO members

| 12/02/2019 | 3 Comments

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 […]

Continue Reading

Insurance coverage for students

Insurance coverage for students

| 23/01/2019 | 2 Comments

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 […]

Continue Reading

How private is genetic information?

How private is genetic information?

| 22/11/2018 | 2 Comments

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 […]

Continue Reading

Insurance companies take away drug choices

Insurance companies take away drug choices

| 27/09/2018 | 25 Comments

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 […]

Continue Reading

Insurance obstacle preventing necessary treatment

Insurance obstacle preventing necessary treatment

| 03/10/2017 | 7 Comments

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 […]

Continue Reading

Patient looking for CINICO to cover cannabis oil

Patient looking for CINICO to cover cannabis oil

| 16/07/2017 | 8 Comments

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 […]

Continue Reading

Getting insured with a pre-existing condition

Getting insured with a pre-existing condition

| 29/06/2017 | 22 Comments

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 […]

Continue Reading

Carrying two health insurance policies

Carrying two health insurance policies

| 01/02/2017 | 2 Comments

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 […]

Continue Reading

Ask Auntie, CNS Local Life, Caymanian statusPlease consider becoming an Ask Auntie sponsor – Click here to find out how