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Products and Services



CINICO currently offers health insurance products in the following catagories:


  • Civil Servants & Pensioners - Group 30100

          This health plan provides health care coverage for the entire Civil Service and their dependents as well as retirees. In addition, a number of Statutory Authorities & Government Companies, also subscribe to this plan. 


  • Seafarers and Veterans - Group 30101

         This health plan is administered on behalf of the Ministry of Health, and provides health insurance coverage for Seafarers, Veterans and their respective dependents. Eligibility for this plan is determined by The Cayman Islands Seafarers Association, The Veterans and Seaman Society of Cayman Brac & Little Cayman and The Cayman Islands Veterans Association, with the Ministry of Health as the Ministry responsible for granting coverage.


The Health Insurance Law (Revision 2013) mandates that all Class 'A' Health Insurers, provide as a minimum, the Standard Health Insurance Contract (SHIC) to all residents of the Cayman Islands. CINICO offers subscription to our SHIC plans all year round and we currently provide 2 (two) categories of SHIC Plans:


  • SHIC Plan - Silver Group 31304

           This health plan is available to residents 60 years of age or over. This plan is limited to Individual coverage only.


  • SHIC Plan - Affordable Group 31304

          This health plan is available to any resident 18 - 59 years of age. This plan is available in a Individual, Couple or Family subscription.Children under the age of 18 can also be added to Individual or Couple coverage. Children over the age of 18 and under 30, can also be added to a policy as a "Dependent offspring" subject to the Health Insurance Law. (See Glossary)





Medical Case Management

CINICO has recently opened their Medical Case Management Unit (MCMU). This unit will be responsible for case management of all CINICO members seeking medical services locally, ensuring that members are receiving appropriate and timely care, with suitable follow-up periods when necessary.


Administrative Services

On behalf of the CIG, CINICO provides the administration of health benefits for those deemed indigent through an Administrative Services Only (ASO) arrangement. ASO Arrangement is also provided for Advanced Patients, Seafarers and Veterans who receive overseas medical care.

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