Page Title: Do You Need Health Insurance?

If you are a full-time employee, working more than 15 hours per week and more than two months in a year – you are entitled to health insurance through your employer.

We can help you if:

You do not have health insurance and need coverage:

1. We will confirm with the insurers that you do not have an active policy.
2. You will need to provide the Health Council with paystubs or an employment contract showing that you have been working for more than 15 hours per week and more than two months out of the year.
3. We will contact the employer to inform them they must enact a health insurance policy immediately.

You have had deductions from your paycheck that were not applied to health insurance:

1. We will confirm with the insurers that you do not have an active policy and/or confirm a time period of inactivity.
2. We will need copies of your paystubs showing the deductions for health insurance.
3. We will contact the employer and ask them to reimburse deductions that were not applied to health insurance.

You have outstanding medical bills that were not covered by insurance:

1. We will confirm with the insurers that you did not have an active policy.
2. We will need copies of your medical bills that were not covered. You are entitled to what was previously or is usually covered by your insurance policy. If you were not insured, you are entitled to coverage under the Standard Health Benefit (SHB).
3. We will contact the organization responsible for covering the medical bill and ask them to cover it.

If you fall into any of the above categories, please email healthcouncil@bhec.bm with copies of paystubs, medical bills, employment contracts or any other evidence that will help in our investigations. We recommend documenting all communication in writing. Please note that investigating these issues can be a long process. It can take a few months to be reimbursed for deductions and outstanding medical bills.

Contact Us