Know Your Benefits

There are a number of benefits that come with having Sagicor health insurance. Below are the answers to some frequently asked question.

Frequently Asked Questions Brochure


Your medical provider must indicate the diagnosis(es) , the name and address of the provider offering the service(s), name of the referring physician (if any), the charge for the service(s) and the amount paid. The provider must also stamp, sign and date the claim form. Remember you can submit your claim online via or by email at [email protected]


Some benefits under your Sagicor health plan require you to get approval/pre-authorization* and in the case of large expenses, it allows you and your provider to know what will be covered. Approval should be granted by Sagicor before you proceed with the treatment.

*Pre-authorization is not required for emergencies, but only for planned procedures.


For the remainder of the year you will not be able to swipe your card for prescription drugs. Purchases will have to be made upfront and be reimbursed by Sagicor. A detailed receipt from the pharmacy must accompany your claim form.

Note- some plans may have a continuous 'swipe benefit’ where you must satisfy a deductible before you continue to swipe.


Yes, there is a limit. Your credit limit is the total dollar amount of prescription drugs that can be accessed using your health card.

An out-of-pocket expense that must be paid by the insured before the major medical benefit is payable.


No, while a new benefit card is issued on renewal, the swipe card does not have an expiry date and should be retained.


The plan was not designed to facilitate the purchase of drugs and medication which are easily accessed over the counter, but rather those which are prescription items.


- Your employer selects/determines the plan(s)/benefit(s) for the group which is dependent on your employer’s budget and objectives.
- Plans are designed based on client’s request.
- Benefit options are presented to client and accepted based on client’s needs and affordability.


No. With group insurance the employer selects the type of plan and terms of coverage for the company. How premium rates are determined is also different.


For health insurance– you can elect to apply for an individual health plan (Executive Health, Executive Health Plus, Supreme Health).
For life insurance – you have the right within 30 days following cancellation to apply for an individual life insurance policy, except term insurance without disability benefits, term riders or other supplementary benefits, for an amount not exceeding the amount of insurance cancelled under the policy.


Where a client has two or more policies, then coordination of benefits is required. Policies may all be with Sagicor or another health insurance carrier plan where the insured is a covered employee of an organization would be primary, when compared to one where that employee is a dependent of a spouse. The plan taken out first would be primary to one taken out second, where this is pertained.