Coming Soon
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 |
100% |
90% |
Deductibles | None, covered by plan | None, covered by plan |
Emergency Medical Services (inclusive of emergent medication, drugs, and ambulance) |
100% | 100% |
Outpatient Routine Medical Primary Care Office Visits, Specialist Office Visits, Diagnostics, Routine Laboratory Tests, Radiological Studies, Physical Therapy, Diabetic Insulin & Supplies |
100% | 90% |
Home Health Care (as approved by C.M.O.) | 100% (requires prior inpatient stay) | not covered |
Prescription Drug and Medication | 100% | not covered |
Haemodialysis |
100% |
90% |
Chemotherapy (including radiation therapy) | 100% | 90% |
Inpatient Benefits/Ambulatory Surgery Benefits
|
100% | 90% |
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 |
100% |
Bridges | Not Covered |
Dentures | 50% (with C.D.O. approval) |
Cosmetic Dentistry | Not Covered |
Orthodontia Services | 50% (maximum to age 18 years with C.D.O approval) |
Periodontal Services | 50% |
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 |
Frames | Not covered |
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 |