Public vs Private Healthcare
Most Caribbean territories operate a public health system funded by taxes, providing free or subsidised care at government hospitals and clinics. However, public systems are often stretched — long waiting times, limited specialist access, and aging equipment are common challenges.
Private health insurance allows you to access private hospitals, specialists, and faster treatment. It is particularly important for: serious or specialist conditions, elective procedures, dental and vision care (almost always excluded from public systems), and overseas treatment for conditions not available locally.
What Health Insurance Covers
Basic plans typically include: GP visits, emergency hospitalisation, basic surgery, and some prescription medications.
Comprehensive plans add: specialist consultations, major surgery, cancer treatment, physiotherapy, dental care, vision, mental health support, maternity benefits, and overseas medical evacuation — critical in smaller Caribbean islands where complex procedures may not be available locally.
Pre-existing conditions are health issues you had before taking out the policy. Many insurers exclude them entirely, cover them after a waiting period (12–24 months), or charge a higher premium. Always disclose your full medical history honestly — non-disclosure can void your claim.