Expats and foreigners in Barbados can choose from many international medical insurance plans. If you dream of moving to a tropical island home to stunning beaches, you’ll want to know how the Barbados healthcare system works and how to secure health insurance for your stay.

Recommended International Health Insurance Plans for Expatriates Living in Barbados

The Healthcare System in Barbados

The healthcare system in Barbados operates on a two-tiered system consisting of the public and private sectors. The public sector is managed by the Ministry of Health and Wellness and provides universal healthcare to citizens and permanent residents.

Barbados features a wide network of hospitals, ensuring easy access to a great range of medical services for all islanders. The Barbados Drug Service also provides free drugs for patients with major chronic diseases.

Although Barbados’ healthcare system ranks highly, accessing highly specialized clinical and rehabilitation services can be challenging, as specialized equipment or treatments may not be economically viable to maintain for a small population.

Hospitals in Barbados

There are two major hospitals in Barbados. Queen Elizabeth Hospital, the main government-run hospital, is an accredited teaching hospital affiliated with the University of West Indies. Patients generally come here for tertiary care, such as emergency services and specialized surgeries.

Bayview Hospital, on the other hand, is a private hospital of a similar caliber. It offers a selection of medical and surgical services such as general surgery, obstetrics and gynecology, orthopedics, pediatrics, and diagnostic imaging.

Polyclinics in Barbados

Polyclinics are generalist and specialist outpatient care facilities that are independent of hospitals—nine of which are government-owned. These medical centers adhere to Barbados’ high standard of healthcare and are easily accessible.

Patients come here for free treatments of minor and general ailments. Private clinics are also available if you’d prefer a more streamlined experience with a shorter waiting time. Here is a list of private medical centers and clinics in Barbados.

Specialist Services in Barbados

As residents and expatriates become increasingly interested in alternative medicines, specialist clinics flourish. Some of the alternative healthcare clinics provide care through:

• Chiropractic care
• Osteopathic care
• Acupuncture
• Massage
• Spiritual Retreats
• Self Improvement
• Reiki
• Reflexology

Other Healthcare Facilities for Expats in Barbados

There are four geriatric hospitals available in Barbados that provide care for the elderly, including:

• St. Michael Geriatric Hospital
• St. Philip District Hospital
• St. Lucy District Hospital
• Gordon Cummins District Hospital

Barbados also has a network of childcare facilities:

• Colleton Day Nursery
• Delores Ma’ Worrell Day Nursery
• Eden Lodge Day Nursery
• Farm Day Nursery
• Geoffrey Morris Day Nursery
• Grazettes Day Nursery

Last but not least, there is also a mental hospital for inpatient and outpatient care called St. Michael Psychiatric Hospital.

International Health Insurance Plans for Expats in Barbados

As expats are not covered under Barbadian universal healthcare, private health insurance is highly recommended to cover expensive medical treatment and repatriation expenses. Ensure you have adequate international private health coverage before your journey to the Caribbeans.

While medical standards in Barbados are generally good, medical transport can take hours to arrive and bring you to the nearest hospital, and ambulance crews are not always authorized to administer emergency treatment en route.

Private medical services, on the other hand, are quicker and facilities are generally more accessible.

Wherever you are from, you will have to pay out-of-pocket for all medical treatment unless you have a private health insurance plan.

Public vs. Private International Insurance in Barbados

Both public and private insurance in Barbados are available to expats, but they come with certain pros and cons. Below is a table showing what these insurance have to offer.

	Public	Private
Coverage	Basic Services: Typically covers essential medical services, including hospital stays, outpatient care, and emergency services, excluding specialized services or elective procedures.	Comprehensive Services: Includes a wider range of services, such as specialist consultations, elective surgeries, preventive care, and access to a global network of medical providers.
Accessibility	Universal Access: Available to all residents and citizens, providing a safety net for basic healthcare needs. Long Wait Times: Public facilities may experience longer wait times due to high demand and limited resources.	Faster Access: Generally allows quicker appointments and shorter wait times for treatments and procedures. Choice of Providers: Patients have more flexibility in choosing healthcare providers and facilities.
Cost	Lower Costs: Minimal out-of-pocket expenses for patients. Limited Options: Patients may have limited choices regarding healthcare providers and facilities.	Higher Premiums: Typically involves higher premiums, co-pays, and out-of-pocket costs. Customizable Plans: Plans can be tailored to meet individual needs and preferences.
Quality of Care	Variable Quality: While many public hospitals offer competent care, the quality can vary based on location and available resources. Government Regulations: Subject to government policies, which may affect service delivery and funding.	Higher Standards: Private facilities often have higher standards of care, better amenities, and more personalized services. International Standards: Many private hospitals adhere to international healthcare standards, offering advanced medical technologies and treatments.

Recommended International Health Insurance Plans for Expatriates Living in Barbados

Best International Private Insurance Providers for Expats in Barbados

The best international private insurance providers for expats in Barbados include AXA, IMG, and VUMI.

AXA for Expats in Barbados

AXA’s international insurance plan offers a range of levels—Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. These plans feature annual benefit limits from USD $160,000 to $8,000,000, catering to various needs and budgets.

Some benefits that stand out to many expats are a second medical opinion, evacuation and repatriation coverage, telehealth service, and mind health support.

IMG for Expats in Barbados

IMG Global Medical Insurance is designed for expats and families. Their health plans provide comprehensive coverage under a nonrenewable lifetime limit model. This helps keep the premium affordable while offering adequate coverage.

This private health insurance is perfect for those planning to stay for only a few years. Those planning permanent relocation might need to consider a more sustainable option.

VUMI for Expats in Barbados

VUMI’s Global Flex VIP plan has five different plan tiers, providing flexibility in the coverage. It also grants the insured an extensive medical network that allows direct billing, offering the convenience of cashless payment.

Pre-existing Conditions

Expats with pre-existing conditions may have limited coverage options when purchasing international insurance, but there are still alternative solutions available. Consider whether your plan has a pre-existing condition exclusion, a moratorium, or coverage with loading.

• Exclusion: the insurer will not pay or reimburse the policyholder for medical bills related to the condition if they choose to buy a plan from them.
• Moratorium: the insurance company offers health insurance but excludes and observes the pre-existing condition for a certain amount of time known as the waiting period. This period is usually 24 months, and then the insurance company reviews its decision.
• Coverage with loading: insurance companies may offer coverage for pre-existing conditions, but only with higher premiums. Not all pre-existing conditions are eligible for this kind of coverage, and not all companies offer this option.

Health and Safety Tips for Travelers and Expats in Barbados

Barbados is a generally safe country, but be aware of the following:

• Vaccinations: Ensure your routine vaccinations are up to date. Hepatitis A and Typhoid vaccines are recommended.
• Stay hydrated: Barbados can be hot and humid, so staying hydrated is crucial. Drink plenty of water throughout the day, and be cautious with alcohol consumption, which can accelerate dehydration.
• Medication: Bring an adequate supply to last your entire stay or copies of your prescriptions. You may want to carry a letter from your doctor explaining your medical conditions and medications, which can be helpful in case of emergency.
• Food and Water: Tap water in Barbados is generally safe to drink, as it meets WHO standards. However, if you have a sensitive stomach or are staying in remote areas, you may want to stick to bottled water. Be cautious with raw or undercooked meats and seafood.
• Personal Safety: Be aware of your surroundings, especially at night. Keep valuables secure and be cautious with displaying expensive items. Use registered taxis or reputable transportation services.

Frequently Asked Questions

What coverage should expats look for in an international health insurance plan in Barbados?

Expats should seek a plan that includes comprehensive coverage, such as hospitalization, outpatient services, emergency medical care, maternity benefits, preventive care, access to specialists, and coverage for repatriation and evacuation.

How does international health insurance differ from local health insurance in Barbados?

International health insurance offers broader coverage, including access to a global network of healthcare providers and facilities, while local health insurance may focus more on essential services within the country.

Are there any specific exclusions or limitations in international health insurance policies for expats in Barbados?

Many international health insurance policies may have exclusions for pre-existing conditions, certain high-risk activities, or specific treatments. It’s crucial for expats to thoroughly review the policy details to ensure that their healthcare needs are adequately met.

Finding the Best International Health Insurance in Barbados

Finding the right health insurance in Barbados for you will depend on what coverage you may need, along with your different health priorities. Comparing across tens and hundreds of health insurance plans by various insurers could be daunting.

Chat with our insurance experts at Pacific Prime. We have over 20 years of experience in the industry and are committed to finding the perfect Barbados health insurance plan to suit each expat’s and traveler’s budget and needs.

Our professionally trained experts at Pacific Prime provide free quotations, leverage our close partnerships with all major insurers, and have an extensive portfolio that consists of all the best plans. Contact us today so we can help!