The Executive Health plan is a comprehensive non-group health plan that offers a wide range of benefits for you and your family. Overseas emergency and non­emergency benefits are also provided for medical care while in other Sagicor territories.

Things You Should Know

Dependents:

• Your spouse (married or unmarried)

• Your children, stepchildren and legally adopted children up to their 19th birthday

Conversion Privilege

If you are on a Sagicor group plan and experience changes in your employment, you can continue your coverage by transferring to this individual plan within thirty (30) days of the employment change. If you transfer within this period you will not be required to do a medical and there is no waiting period for pre-existing conditions if the benefits on your group plan were equivalent or superior to those of Executive Health Plus.

Coordination of Benefits

If you or your dependents are covered under another health plan, National Health Fund (NH F) or JADEP, your benefits may be coordinated so that you pay less out-of-pocket for medical expenses.

Utilization Management

Keys to keeping your premiums down:

• Your card must ONLY be used by you. Do not lend your card to anyone.

• Do not use your card for anything other than medical expenses.

• Protect your plan. Report abuse or loss of your card promptly to any Sagicor office.

• Never sign a claim form unless it is completely filled out by the provider.

• Do not use your card just to exhaust an existing balance before the anniversary of the plan.

Executive Health Plus Premiums

A grace period of thirty-one (31) days without interest charge will be allowed for the payments of the premium due under the Policy on any due date except the first. If any premium is not paid before the grace period expires, the Policy shall terminate at the end of such period.

Options

• Individual

• Individual+ l (Spouse or Child)

• Family

Payment Frequency

Annual or Semiannual

Claims & Exclusions

All claims must be submitted within ninety (90) days of the service date. Benefits are subjected to exclusions. (Kindly see the policy contract for details)

Special Conditions

• The maternity benefit is optional for women 51 years and over

• Nine (9) months waiting period for maternity - All maternity-related expenses, including doctor's visits, are paid from the maternity benefit.

• Twelve (12) months waiting period for all pre-existing conditions.

• Six (6) months waiting period for major medical 

benefits (surgery, major diagnostics (MRI, CAT scan) & hospitalization), except for medical emergencies.