Health Insurance Department


Our Purpose: To provide affordable healthcare coverage to improve health outcomes across Bermuda.


  • HID offers 3 health insurance plans:
    – HIP Youth: 0-18 years of age; 21 years of age if enrolled in local full time education
    – HIP: 18 years of age and over
    – FutureCare: available to all persons over the age of 65.
  • Hospital Insurance Plan (HIP) and HIP Youth:
    – Benefits consist of basic benefits covering mostly hospitalization, diagnostic imaging, some doctor visits
    – Basic dental coverage
    – Overseas care when medically necessary and personal home care service benefit.
  • FutureCare: includes the same basic benefits as HIP and includes added coverage such as:
    – Pharmacy up to $2000/year
    – Smaller co-pay on overseas care
    – Eyeglasses
    – More GP visits.

2nd Floor, Sofia House,
48 Church Street, Hamilton HM 12

General queries: Monday to Friday 8:30am-5:00pm
Payment window: Monday to Friday 8:45am-4:30pm