HEALTH INSURANCE
The Sagicor CariCARE Medical Assistance Plan is a Comprehensive Major Medical Plan that functions on a reimbursement basis. This plan does NOT cover Vision, Dental, Maternity and Routine Services.

When claiming you must fully complete and sign the claim form and attach all relating itemized bills/receipts.
 
Refund cheques are collected from The Office of Student Services during office hours Monday – Friday from 8:30 am – 4:30 pm.

** Reimbursments take approximately three (3) weeks.

Schedule of Benefits
UNIVERSITY OF THE WEST INDIES
CARICARE HEALTH INSURANCE SCHEDULE OF BENEFITS
Policy Number GB1000768
   
Comprehensive Major Medical  
Benefit Maximum for each student $100,000.00
Benefit Period (University Lifetime)
Deductible per calendar year $50.00
Benefit Payment: Co-insurance Percentage
On the First $20,000 per Calendar Year 80%
Thereafter for the remainder of the Calendar Year 100%
   
Carry Over provision Last Three (3) Months of Calendar Year
   
Pre-existing Condition (Maximum per Disability) Applicable to New Students ONLY          $1,000.00
   
Internal Plan Limits: (Applies toward Lifetime Major Medical Maximum)
AIDS or AIDS-related illnesses $20,000.00
   
   
Daily Room and Board Limit (Subject to the deductible & Co-insurance)
Local  $300.00
Overseas Caricom $1,000.00
Intensive Care 2.5 times ASPRR
ASPRR Means "Average Semi-Private Room Rate"  
   
Surgical Expense Benefit  
Benefit Payment  After the deductible 80% of R & C Charges
   
Other Hospital Services Benefit  
Benefit Payment  After the deductible 80% of R & C Charges
   
Miscellaneous Benefit  
Benefit Payment  After the deductible 80% of R & C Charges
   
Prescription Drug Benefit (Not Subject to the deductible)
Benefit Payment  80% of R & C Charges
   
Diagnostic Expense Benefit  
Benefit Payment  After the deductible 80% of R & C Charges
   
Doctors Visit Benefit (Office, Home, Hospital)
Benefit Payment  
Outside of University Panel After the deductible 80% of R & C Charges
Within Panel $30.00
   
Specialist(by referral only)  
Benefit Payment  
Out of Network After the deductible 80% of R & C Charges
Within Network $50.00
Within Panel Not Subject to Deductible or Co-insurance
   
Emergency Doctors Visit Benefit (Home/Hospital)  
Benefit Payment After the deductible 80% of R & C Charges
   
Psychiatric Benefit (Subject to the deductible & Co-insurance)
Lifetime Maximum (Applicable to Out-patient & Hospital Care) $25,000.00
Out-patient Care  
Maximum per Treatment $50.00
Co-insurance percentage 50%
Maximum visits per year 20
Hospital Confinement  
Co-insurance after deductible 80%
   
Physiotherapy and other Health Care Professional Groups  
Maximum per visit  $40.00
Benefit Payment  After the deductible 80%
   
Local Ground Ambulance  
Benefit Payment Percentage  After the deductible 80% of R & C Charges
   
Medical Air Transportation Benefit  
Maximum Number of Trips per Calendar Year 2
Airfare (Subject to the deductible & Co-insurance)
Benefit Maximum per calendar year $1,500
Benefit Payment  Percentage 80%
Emergency Air Ambulance ( Not Subject to the deductible  or Co-insurance)
Benefit Payment percentage 100%
Medical Air Transportation Limited to the Caribbean Region
   
Preventative Care  
Annual GYN and Pap Smear test for each female student $35
   
*R & C - Reasonable and Customary
   
NB 80% of the Reasonable and Customary Charges are eligible for reimbursement
   
Prescription Drugs Reimbursement/Payment limited to "prescribed drugs" as setout and required by law in the insurer's jurisdiction


The Office of Student Services
Tel.: (246) 417-4165/6/7 Fax: (246) 424-5348 | Email: studentservices@cavehill.uwi.edu