Seamans and Veterans: As defined under the Health Insurance (Amendment) Law, 2003, are those who reside in the Cayman Islands and who:-
If you qualify in all of these categories AND reside in the Cayman Islands, you will be eligible for coverage with CINICO.
The following lists the benefits covered under:
|Effective January 2006||In–Network Health Services Authority or Local Providers (with CMO approval)||Overseas Providers (with CMO approval)|
|Maximum lifetime benefit amount||
1 million KYD $
|1 million KYD $|
|Maximum Calendar Year||n/a||n/a|
|Maximum per Medical Indicent||
|Deductibles||None, covered by plan||None, covered by plan|
|Emergency Medical Services
(inclusive of emergent medication, drugs, and ambulance)
|Outpatient Routine Medical
Primary Care Office Visits, Specialist Office Visits, Diagnostics, Routine Laboratory Tests, Radiological Studies, Physical Therapy, Diabetic Insulin & Supplies
|Home Health Care (as approved by C.M.O.)||100% (requires prior inpatient stay)||not covered|
|Prescription Drug and Medication||100%||not covered|
|Chemotherapy (including radiation therapy)||100%||90%|
Inpatient Benefits/Ambulatory Surgery Benefits
|Mental Health||100%||not covered|
|Substance Abuse||100%||not covered|
|Chiropractor Visits||100%||not covered|
|Hospice Care (as approved by C.M.O)||100%||not covered|
* All medical services that are provided by either a local or overseas provider without Chief Medical Officer (CMO) approval will not be covered.
* Employed spouses and children are covered for local benefits, but not for overseas benefits
* Unemployed spouses or widows are covered for local and overseas benefits.
|Effective July 2007||In-Network Health Services Authority or Local Providers (with CDO approval) or Overseas Providers (with CDO approval)|
|Preventative, basic restorative services are covered. Major dental services are covered subject to preauthorization by the Chief Dental Officer.|
Cleaning & General Hygiene
|Dentures||50% (with C.D.O. approval)|
|Cosmetic Dentistry||Not Covered|
|Orthodontia Services||50% (maximum to age 18 years with C.D.O approval)|
|Porcelain Crowns||100% (with C.D.O. approval)|
* All dental services must be performed at an HSA facility.
* All dental services that are provided by either a local or overseas provider without Chief Dental Officer (CDO) approval will not be covered.
|Charges for vision care services and supplies are covered as follows:|
|Eye Exam||One exam in a 24–month period to a maximum of KYD $ 40|
|Lenses or Contact Lenses
Single vision, bi–focal, tri–focal, progressive & lenticular
|One pair in a 24–month period to a maximum of KYD $ 200|