Group health
Health plans built for Bermuda businesses
Every group health plan includes:
- Major medical benefits
- Robust off-island coverage with a lifetime maximum of $5M
- Access to world-class hospitals and clinics in the US, Canada, and the UK
- 100% coverage for medical emergencies worldwide
- 100% coverage for high-cost and specialty medications with our in-network pharmacy partner
- Community-based ambulatory surgical suite coverage to help keep care on island
- Optional access to our preferred provider network for overseas care
Coverage is subject to the terms and conditions of the policy.
Explore our group health plans
We offer several flexible group health plans with different levels of local and overseas coverage, reimbursement options, and overseas provider network access.
Please contact our team so we can help you choose the right health plan to support your employees and your business.
Our self-serve portals make managing your plan easy
Manage your group's health plan with confidence
- Add or remove members
- Track enrolment and request statuses
- Access reports, FAQs, and insights
- Explore programmes that support employee mental health and wellbeing
Empower your team with digital tools
- Access their coverage details
- Submit health and dental claims and track their reimbursement status
- Access their digital health ID card
- Find important documents and resources
Why choose group health benefits from Allshores?
We're removing barriers to affordable care
Easy online claims submission for members
Access to online therapy and student mental health support
Wellbeing beyond medical coverage
Local support for employees with complex health needs
Support for navigating overseas care and travel
A smarter approach to employee wellbeing
For employers, this means more than simply offering benefits. It means taking a proactive approach to employee wellbeing — helping your team stay healthier, access the right support sooner, and reduce the long-term impact of preventable health issues on your organisation.
Contact us to find the best group health plan for your workplace
Frequently asked questions
Your sum insured should represent the full cost to rebuild or replace your home or contents in the event of a total loss.
It’s important to keep this amount up to date to keep up with inflation and rising construction costs. If you’d like help reviewing or adjusting your coverage or sum insured, please call us at 1-441-298-0888.
Home insurance covers more than just your house. It also includes coverage for:
- Outbuildings
- Swimming pools
- Tennis courts
- Walls, gates, fences, and driveways
Your sum insured should reflect the full reconstruction cost of your home, including features like a pool. A hot tub must be specifically listed on your policy.
No — and there is likely a significant difference between your home’s replacement cost and its market value.
Replacement cost is the amount it would cost to rebuild your home from the ground up, including materials and labour, in the event of a total loss.
Market value is the amount a buyer might pay for your existing home, factoring in location and demand — it doesn’t consider how much it would cost to build the same home with today’s material and labour costs.
When it comes to insurance, your sum insured should be based on replacement cost, not market value.
Yes. Home insurance covers damage caused by hurricanes, subject to the terms and limits in your policy, unless hurricane coverage has been specifically excluded.
Yes. Home and contents insurance cover flood-related damage to your buildings and contents, subject to the terms and limits in your policies. Under your contents coverage, this can also include replacing fresh water in your home’s water tank if it becomes contaminated by saltwater during a storm or flood.
