Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, focusing on clear, neutral information to help people find health coverage abroad.
Last updated: January 27, 2026
Quick Summary: Health Insurance in Bermuda
- Health insurance is required for most visa types in Bermuda.
- The public healthcare system (HIP/FutureCare) is available to residents.
- International health insurance typically costs $300-600/month.
- Private healthcare offers faster access and English-speaking staff in major cities.
- Popular visa options include: Work Permit, Digital Nomad Visa.
Do You Need Private Health Insurance in Bermuda?
Bermuda requires proof of health insurance for most visa and residency applications. Coverage requirements vary by visa type, but international health insurance that meets Bermudian standards is generally accepted. Check specific requirements for your visa category.
Insurance is required for:
- All visa applicants—insurance is typically required
- Expats wanting faster access to healthcare
- Those preferring English-speaking medical staff
- Anyone with pre-existing conditions
- Digital nomads and remote workers
Public vs Private Healthcare in Bermuda
Public Healthcare
HIP/FutureCare
- Access: Bermudian citizens, legal residents
- Cost: Mandatory insurance
Quality and access vary by location. Wait times may exist for specialists.
Private Healthcare
International or Local Private
- Access: Open to anyone
- Cost: $300-600/month
International plans offer worldwide coverage, English support, and direct billing at major hospitals.
Plan Options to Compare
Here are the most popular insurance options for expats in Bermuda. Each has trade-offs depending on your situation.
Cigna Global
Best for: Worldwide coverage and strong customer service
Not ideal for: Budget-focused expats staying only in Bermuda
Allianz Care
Best for: High-deductible savings and EU-based service
Not ideal for: Those wanting minimal out-of-pocket costs
BUPA Global
Best for: Pre-existing conditions and mental health coverage
Not ideal for: Those seeking the lowest premiums
IMG Global
Best for: Budget international coverage
Not ideal for: Those wanting premium service levels
Comparison Table: Top Expat Health Plans for Bermuda
Compare the leading options side by side. Click "Details" to learn more about each provider.
| Provider | Best For | Coverage Style | Includes U.S.? | Notable Limits | Learn More |
|---|---|---|---|---|---|
| Cigna Global | Worldwide coverage and strong | International comprehensive | Higher cost than local options | Details → | |
| Allianz Care | High-deductible savings and EU-based | International comprehensive | Deductibles apply to savings | Details → | |
| BUPA Global | Pre-existing conditions and mental | International premium | Premium pricing | Details → | |
| IMG Global | Budget international coverage | International standard | 12-month pre-existing exclusion | Details → |
Common Watch-outs for Bermuda
Keep these points in mind when choosing coverage:
- Insurance is required for visa applications—verify your policy meets requirements.
- Pre-existing conditions may have waiting periods (typically 6-24 months).
- Check if your plan covers the specific Bermudian regions you'll live in.
- Age limits may apply—some insurers won't cover new applicants over 65-75.
- Medical evacuation coverage is important if quality care requires travel to another country.
- US Medicare does NOT cover healthcare in Bermuda.
Frequently Asked Questions
Do I need health insurance for a Bermuda visa?
Yes. Most Bermudian visa types require proof of health insurance. Requirements vary by visa category, so verify specific coverage amounts and policy requirements before applying.
How does Bermudian public healthcare work?
Bermuda's public healthcare system (HIP/FutureCare) provides coverage to citizens and legal residents. Access and quality vary by location. Most expats supplement with private insurance for faster care and English-speaking staff.
How much does health insurance cost in Bermuda?
International health insurance typically costs $300-600/month depending on your age and coverage level. Local/public options cost Mandatory insurance but may have limitations for non-citizens.
What's the best health insurance for expats in Bermuda?
The best option depends on your situation. Cigna Global and Allianz Care are popular for comprehensive international coverage. Budget-conscious expats may prefer IMG Global or local options if they plan to stay long-term.
Are pre-existing conditions covered in Bermuda?
Most insurers have waiting periods (6-24 months) for pre-existing conditions. Some plans offer coverage after the waiting period; others may exclude specific conditions. BUPA Global is known for more flexible pre-existing condition policies.
Related: Comparisons and Next Steps
Disclaimer: This guide is for informational purposes only. Healthcare policies, insurance requirements, and visa rules change. We are not insurance brokers, immigration consultants, or licensed advisors. Verify all information with official sources and insurance providers before making decisions.