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RSSHealth Insurance Questions

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 doe [...]

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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 [...]

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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 [...]

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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 [...]

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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 wa [...]

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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  [...]

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