The Cayman Islands Health Insurance for Expats

International Health Insurance for Expats in The Cayman Islands

Expats living in the Cayman Islands should consider an international medical insurance plan to cover their health expenses because these packages are designed specifically for the unique circumstances of living abroad. Global health plans are especially unique because they can cover you worldwide.

International insurance also offers services in most languages, can be customized to your individual needs, and can provide comprehensive coverage beyond basic travel insurance.

International health insurance plans can include coverage for:

• Inpatient
• Outpatient
• Vision
• Dental
• Maternity
• Preventative care

Expats with this coverage get to choose their insurance provider, level of coverage, and add-on benefits. Unlike a public insurance plan that is handed to you, with a private international plan, you get to customize it to your needs and budget.

In this Pacific Prime article, we'll explain all the health insurance options that are available to expats, how the Cayman Islands’ healthcare system is set up, what expats should consider when picking their insurance policy, and what health and safety tips travelers should know before departure.

Recommended International Health Insurance Plans for Expatriates Living in The Cayman Islands

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $5,000,000

Plan Details Get a Quote

The Healthcare System in the Cayman Islands

The Cayman Islands was one of the first countries to institute free, universal healthcare for their citizens. The healthcare system in Cayman meets high medical standards, is known for its advanced medical technology, and exhibits excellent standards of maintenance and care.

Cayman has plenty of pharmacies and they are generally well stocked with a wide range of prescriptions and medications. If you’d prefer to bring your own medications, the rules limit you to only importing a 30-day supply that are in their original packaging with a doctor’s prescription.

Cayman Islands Public Sector and Hospitals

Public healthcare in Cayman models high standards of care and well-maintained facilities, but they don’t quite meet the advanced levels of care available in the private sector. Public facilities also require referrals to specialists and can have longer wait times before patients can be seen.

George Town Hospital (Anthony S. Eden Hospital) and Faith Hospital are among the public hospitals available in this sector.

Cayman Islands Private Sector and Hospitals

Many residents in Cayman, including expats, prefer private hospitals and clinics because they boast more advanced medical equipment and technology, higher quality facilities, and a wider range of medical procedures. Private care also offers a more personalized experience and shorter wait times.

The private sector can be more costly, but expats take out a private insurance plan to help cover the expenses.

Health Insurance Options in the Cayman Islands for Expats

Expats and all residents in Cayman are required by law to have sufficient medical insurance that meets the minimum health requirements. Expats can only meet this requirement through an approved insurance provider offering a public insurance plan that has been vetted by the government.

For most residents in Cayman, this means going with public insurance from a provider such as Vanguard Risk Solutions, CG BritCay, CINICO, or Aetna, etc.

Expats who want to protect their health with more enhanced coverage choose to get dual protection through a private international provider.

The SHIC minimal insurance plan requires by law at least the following benefits:

• Major medical coverage up to USD $121,000/year (CI$100,000/year)
• Lifetime maximum of USD $1,200,000 (CI$1,000,000)
• Hospitalization
• Surgery
• Major medical care
• Ambulatory surgery
• Physician office visits
• Outpatient diagnostic services
• Emergency care and transport
• Prescriptions
• Wellness services
• Maternity care
• Emergency evacuation
• Inpatient mental health

Public Insurance in the Cayman Islands

Employed expats living in the Cayman Islands will be automatically enrolled in a Standard Health Insurance Contract (SHIC) by their employer. This form of public insurance  provides basic medical care coverage. Self-employed expats will need to secure their own policy.

Employers are required by law to also extend coverage to dependents.

Basic SHIC public insurance in the Cayman Islands typically includes the following benefits:

• General practitioner care
• Specialist care (by referral)
• Inpatient and day-patient hospitalization
• Emergency medical care
• Maternity care
• Essential prescription medications

Common benefits that are excluded include:

• Dental care
• Vision care
• Elective cosmetic procedures
• Alternative therapies
• Some mental health treatments
• Experimental medical procedures

Employers are expected to cover at least 50% of their employees’ health insurance premiums. There are a few tiers of public coverage that meet the law requirements expats can choose from.

Private Insurance in the Cayman Islands

Many expat residents in the Cayman Islands prefer to enhance their medical coverage by securing a private health insurance plan from an international provider. These plans allow expats to have more comprehensive coverage, insurance that follows them around the globe, and access to faster care.

Some of the common benefits and add-ons that are available through private insurance include:

• Inpatient and day-patient care
• Outpatient and specialist visits
• Emergency medical care and transportation
• Vision care
• Dental care
• Maternity and infertility treatments
• Preventative care
• Emergency medical evacuation and repatriation
• A wider range of prescriptive medications
• Mental health care and various therapy modalities
• 24/7 virtual doctor appointments
• 24/7 support from insurance experts
• Some travel insurance benefits

With a private international insurance plan, expats can build their own insurance plan by selecting their tier of coverage, deductible/co-pay contributions, add-on packages, and more. This freedom of choice enables expats to get coverage for what they need to protect their health and wellbeing.

Learn how a broker can help expats pick the right insurance plan for their time in the Cayman Islands. The benefits are incredible!

Tips for Expats Using Private Insurance in the Cayman Islands

Here are some private insurance tips expats will want to know before traveling to the Cayman Islands:

1. Check for In-Network Providers: Most international insurance providers aren’t accepted in Cayman, so check with your provider ahead of time if they do partner with any local physicians so that you can prioritize their clinics over others.
2. Keep Your Receipts: Expats typically pay out of pocket for their medical treatments upfront in Cayman and then request reimbursement from their insurance provider later. To do this, you’ll need to keep all your receipts.
3. Get a Standard Claim Form: Request your clinic or hospital to fill out a standard Clayman claim form so that your receipt is fully itemized with diagnosis information, the monetary currency used, and the international disease codes. You’ll need this to submit a claim later.
4. Check Your Visitors Insurance: If visitors come to visit you in Cayman, check to see if your visitors insurance will cover them. If not, suggest that your visitors secure their own travel insurance policy.
5. Standard Health Insurance Fees Don’t Apply: The government can’t regulate what health providers charge international insurance companies because they are not on the pre-approved provider list. This means their fees may be higher than the Standard Health Insurance Fee (SHIF) for public insurance.

Best Private Insurance for Expats in the Cayman Islands

Cigna Global, APRIL International, NOW Health International, AXA, Morgan Price, and Allianz Care are the best private international health insurance providers for expatriates living and/or working in the Cayman Islands.

Let’s learn a little more about each provider below. Feel free to read our article detailing the Top 10 International Health Insurance Providers for more suggestions.

Cigna Global

Cigna Global offers international health insurance to expats living in more than 200 markets and territories around the world. Cigna has 1.5 million health professionals and 24/7 customer support workers who speak more than 50 languages. Individuals, families, and businesses can get Cigna coverage.

Here are some more Cigna highlights:

• Hospitalization
• Inpatient and outpatient services
• Cancer treatment
• Physiotherapy
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

APRIL International

April International is an international insurance provider based in France with more than 30 years of experience in international health insurance and 12 different countries of operation. April offers five tiers of coverage for individuals and families, paperless reimbursement, and 24/7 contact.

Here are some April International highlights:

• Inpatient treatment
• Outpatient treatment
• Emergency repatriation
• Emergency evacuation
• Maternity coverage
• Vision and dental coverage

Plan Details Get a Quote

NOW Health International

NOW Health International offers coverage in over 200 territories, and expats choose Now Health because of their customer-focused services and extensive worldwide provider network. SimpleCare plans are designed to be cost-effective for expats, and Worldcare plans offer more comprehensive coverage.

Here are some NOW Health International highlights:

• In-patient and day-patient care
• Organ transplant
• Evacuation and repatriation
• Cancer treatment
• Rehabilitation

Plan Details Get a Quote

AXA

AXA Global, also known as AXA Group or simply AXA, has more than 55 years of experience. They serve more than 95 million expats, digital nomads, businesses, and others in over 50 countries. Standard in AXA plans are their second medical opinion service and evacuation and repatriation coverage.

Here are some more AXA highlights:

• Inpatient hospital charges and surgeries
• Emergency care
• Medical evacuation and repatriation
• A range of cancer treatments
• Ambulance transport
• CT, PET, and MRI scans

Plan Details Get a Quote

Morgan Price

Morgan Price has been an international insurance provider for over 25 years, and they sell expats health, dental, vision, inpatient, and outpatient insurance. Morgan Price can insure individuals, families, groups, and corporations, and they cover newly diagnosed medical conditions.

Here are some Morgan Price highlights:

• 24-hour helpline
• Flexible deductibles and premiums
• Cutting-edge claims processes
• Five private insurance plans for expats

Plan Details Get a Quote

Allianz Care

Allianz Care is a world-leading health insurance provider for expats living globally. As the international health brand of the larger Allianz Partners, Allianz Care offers health, life, critical illness, and disability insurance around the globe in 75 countries and over 58 languages.

Here are some more Allianz highlights:

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

Plan Details Get a Quote

Consider This When Picking Insurance in the Cayman Islands

Expats and foreigners moving to the Cayman Islands should know the local insurance requirements for health insurance, check which hospitals/clinics are considered part of a provider’s network, and decide if they need portable coverage that can travel with them before picking their insurance plan.

Let’s look a little closer at some considerations expats should make before buying a plan:

1. Local Insurance Requirements: The Cayman Islands mandates that all residents, including expats, carry a minimum level of health insurance through a locally licensed provider. Ensure your plan complies with the Health Insurance Law to avoid legal or visa issues.
2. Public vs. Private Healthcare Access: Most expats use private healthcare facilities, which are high-quality but expensive. Make sure your policy covers treatment at these private hospitals and clinics, as public options are limited for non-citizens.
3. Inpatient and Outpatient Coverage: Ensure your plan includes both inpatient (hospital stays) and outpatient care (doctor visits, diagnostics, therapy), as these services can be costly without insurance.
4. Emergency and Evacuation Services: Because the islands have limited specialized care, it’s critical that your insurance includes air ambulance or medical evacuation to nearby countries like the U.S. or Jamaica.
5. Network of Providers: Check whether the insurer has a strong local network, including coverage for key facilities like Health City Cayman Islands or the Cayman Islands Hospital, to simplify access and billing.
6. Coverage for Pre-Existing Conditions: Some insurers may exclude or limit coverage for pre-existing medical conditions. If you have ongoing health needs, confirm whether or not and how these will be covered.
7. Family and Maternity Coverage: If you’re moving with family or planning to start one, look for plans that include maternity services, pediatric care, and vaccinations, which may not be fully covered by basic policies.
8. Portability and Travel Coverage: Expats often travel frequently—check whether your policy includes international coverage or has portability if you relocate to another country in the future.
9. Customer Support and Claims Process: Choose an insurer with reliable, responsive customer service and a straightforward claims process. Support in English and availability in your time zone is also helpful during emergencies.

Health Tips for Travelers in the Cayman Islands

Some tips for travelers and expats heading to the Cayman Islands include staying hydrated, protecting from the sun, securing adventure sports coverage for their fun physical excursions, and doing what they can to prevent mosquito-borne illnesses.

Here are a few more health and safety tips for the Cayman Islands:

1. Stay Hydrated in the Heat: The tropical climate can lead to dehydration quickly, especially during outdoor activities. Carry water with you and drink regularly, even if you don't feel thirsty.
2. Use Sun Protection: The Caribbean sun is intense year-round. Wear high-SPF sunscreen, sunglasses, and protective clothing, and try to avoid direct sun exposure during peak hours (11 a.m. to 3 p.m.).
3. Swim Safely: Always swim in designated areas and be cautious of strong currents, even at popular beaches. Jellyfish and sea urchins may also pose a risk, so wear water shoes and watch where you step.
4. Practice Food and Water Safety: Tap water is generally safe to drink in the Cayman Islands, but if you have a sensitive stomach, opt for bottled water. Stick to well-cooked meals and reputable dining spots to avoid foodborne illnesses.
5. Prevent Mosquito Bites: Though the islands are generally low-risk, mosquito-borne illnesses like dengue fever can still occur. Use insect repellent, wear light long-sleeved clothing, and stay in accommodations with screens or air conditioning.
6. Pack a Basic First Aid Kit: Bring essentials like antiseptic cream, pain relievers, band-aids, and any personal medications. While healthcare is excellent, having basics on hand can help manage minor issues quickly.
7. Know Emergency Contact Info: Familiarize yourself with the location of the nearest hospital or urgent care center, like Health City or Anthony S. Eden Hospital. Save emergency numbers in your phone before your trip.
8. Get Travel Insurance: Healthcare is high-quality but can be expensive for non-residents. A good travel insurance policy ensures you're covered for accidents, sudden illness, or unexpected medical needs.
9. Watch Out for Marine Life: While snorkeling or diving, don’t touch coral or marine animals—even those that seem harmless. Some species, like lionfish or fire coral, can cause painful stings or allergic reactions.
10. Stay Active Safely: There are many opportunities for outdoor fun—hiking, snorkeling, kayaking—but always use proper gear, stay hydrated, and let someone know your plans when venturing out on your own. Having adventure sports coverage is essential.

Frequently Asked Questions:

What do expats in the Cayman Islands do for health insurance?

Employed expats benefit from at least the Standard Health Insurance Contract (SHIC) provided by their employer, covering basic medical services and at least 50% of the premium paid by their employer. Self-employed expats secure their own approved coverage. Many expats opt for enhanced private plans.

Does my U.S. health insurance cover me in the Cayman Islands?

​Most U.S. health insurance plans, including Medicare, offer little to no coverage to expats for medical expenses incurred in the Cayman Islands. Therefore, it's advisable to purchase travel medical insurance that covers emergency care and evacuation during your trip.

What if I have a medical emergency in the Cayman Islands?

In a medical emergency in the Cayman Islands, expats will receive care at a local hospital like George Town Hospital or Health City. If specialized treatment isn’t available, they may be airlifted to the U.S. or another nearby country, so having insurance that covers evacuation is essential.

Conclusion: Compare Plans and Quotes Now

Because expats will be required by law to have health insurance before moving to the Cayman Islands, it’s vital you take the time to figure out what plan(s) you want to choose. Sometimes, getting professional advice from an insurance consultant can make that decision enormously less stressful.

As an insurance broker with over 20 years of experience in the industry, Pacific Prime offers a wide spectrum of health insurance policies. From family insurance and maternity coverage to travel insurance, we are more than capable of helping you find the perfect plan that balances your budget with your needs.

Get a free quote now with our online comparison tool that features over 50,000 insurance plans. For tailored, impartial advice, contact our team of expert insurance advisors today!