Yes, CCRP members are also offered the option of life insurance coverage of $500,000 per person, with quarterly premium of $7,380.00 per person. There is a waiting period of twelve (12) months from the effective date of coverage before any benefit will be payable, except for Accidental Death.

Yes, the group health policy has a major medical-plan year maximum of J$3,500,000 per annum which is renewable on the anniversary of the policy.

There is a waiting period of six (6) months for all pre-existing medical conditions. This means that there will be no coverage for conditions deemed pre-existing for the first six (6) months from the effective date of joining the plan.

Yes, new members are provided with both a benefit card and a swipe card. Cards will be used to cover the usual expenses including dental and optical but subject to the limits in the schedule of benefits. In the case of major surgeries and hospitalization, pre authorization applies.

This scheme offers full comprehensive group health insurance coverage with benefits such as (i) Doctor’s visits (ii) Prescription drugs (iii) In hospital expenses (iv) Surgical benefits (v) Specialists/Consultation Visits (vi) Lab and Diagnostic Services and the usual range of other related medical benefits including dental and optical. There is also a major medical limit that is renewed annually.

Yes a member can add dependent(s) to their health plan. A dependent is classified as the spouse (opposite sex), married or unmarried of a member, and children of the union, step- children, foster children and legally adopted children to maximum age of 26 years.

All new applicants will be subject to proof of insurability. (i.e. each new applicant will be required to complete a medical questionnaire and will be assessed by the insurer before approval is given and coverage granted). However new members just joining the CCRP at age 50 will be allowed to enroll on the group health plan without proof of insurability if done within the first three (3) months of their 50th birthday.

An individual is eligible to become a member of CCRP at the age of 50 years or over and will then be eligible to apply for the group health coverage. The maximum entry age for CCRP members who wish to enroll on the scheme is 80 years old. Members over age 80 will not be eligible to join the scheme.

The NHF Card Programme provides subsidies to every person living in Jamaica at any age for the treatment of 17 chronic illnesses. The NHF Card helps you to pay for a select list of prescription drugs, respiratory devices, diabetic supplies and diagnostic tests via their participating pharmacies, laboratories or doctors’ offices. The NHF covers a fixed amount of the total cost, and CCRP members only pay the balance. The NHF Card can also be combined with your CCRP health insurance card to cover prescription costs. The NHF is always the first payer, and after the first amount is paid your health insurance will be applied to the balance allowing you to pay even less out of pocket. (https://www.nhf.org.jm/the-nhf-card/about-the-nhf-card)

To facilitate speedy claims settlement the insurer has implemented electronic funds transfer (EFT) of health claims’ reimbursement. This means that all payments made by the insurer are directly deposited to the member’s bank account. Kindly ensure that an EFT form is completed and submitted to Gallagher Insurance Brokers.