Health insurance

Help with healthcare costs, with a plan you understand.

Illustrative Caribbean woman enjoying a morning walk — For the people who make it all matter.

Make room in your plan
for the care you may need.

Health insurance can help meet eligible medical expenses and reduce the pressure of paying for treatment yourself. We’ll compare the available benefits, deductibles and out-of-pocket costs around your needs, and explain how existing medical conditions are assessed. Knowing how to use your cover matters as much as choosing it.

A question for your situation

What would you need your health plan to help with most?

The right approach depends on your circumstances, existing arrangements and the provider’s current terms. We’ll help you understand the details in a consultation.

Your next step

Getting ready for Health insurance

Begin with the quotation or consultation for this policy. Once you accept a quotation, use the relevant application checklist below. BIAI will guide you through the official forms and signatures.

Health Insurance Application

Sagicor Life

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

I’ve accepted my quotation or BIAI has asked me to prepare my application.

Go to the quotation →Ask about this request →

Pay your first health insurance premium

Sagicor Life

This guide applies to approved individual health applications. First and subsequent payments are explained separately.

For an approved individual health insurance application, your first payment has a different process from later premiums. Confirm your policy number, premium amount and payment instructions with BIAI before paying.

Your first premium: pay in person or by wire transfer

In person: visit Sagicor Life Inc. at the Sagicor Financial Centre, Building #2, Lower Collymore Rock, St. Michael. Give the cashier your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
Wire transfer: contact BIAI for the current transfer instructions. Include your name and policy number in the transfer notes so the payment can be allocated correctly.
Email proof of payment to info@blackmaninsure.com so BIAI can confirm with Sagicor that the premium has been applied to your policy.

When does cover begin?

For approved individual health applications, a premium paid on or before the 15th of the month activates coverage from the 1st of that month.
A premium paid after the 15th activates coverage from the 1st of the following month.
Sagicor confirms the effective date. Payment alone does not approve an application; confirm your cover with BIAI before relying on it.

Subsequent premiums: more ways to pay

Preferred option: register on the Sagicor client portal using your policy number and pay by credit card, Visa debit or Mastercard debit. The Sagicor GO app offers the same card-payment options.
In person: return to Sagicor Life with your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
SurePay online: select Sagicor Life Premium, enter your policy number and pay using your registered bank account or Visa debit card. At a SurePay outlet, provide your policy number and pay by cash, cheque or Visa debit card.
Scotiabank online banking: select Sagicor Life, add your policy number and pay from your savings or chequing account.
CIBC online banking: select Sagicor Life Premium, add your policy number and pay from your savings or chequing account.
Wire transfer remains an option. Request the instructions from BIAI and include your name and policy number in the transfer notes.
Email your proof of payment to info@blackmaninsure.com.

Open Sagicor GO client portal Get the Sagicor GO app Visit SurePay Barbados

Need help with your first payment or effective date? Submit a request below and BIAI will help you confirm the next step.

Your login and payments take place with the provider. This website does not collect your card details or provide access to your policy records.

Email BIAI for payment assistance →

What to have ready

Your approved individual health application and policy number.
The premium amount and payment instructions confirmed with BIAI.
Proof of payment showing the date, amount and policy reference.

Ask about this request →

Health claim — check status or payment

Sagicor Life

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

Policy number and claim reference, if available.
When the claim was submitted and to whom, if known.
The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
Any recent claim correspondence or payment reference relevant to your question, if available.

Ask about this request →

Individual health — add or remove a dependant

Sagicor Life

BIAI will guide you through the applicable documents and next steps.

What to have ready

Policy reference, dependant’s name, relationship and whether you want to add or remove them.
For adding a spouse/common-law partner: identity and marriage/common-law evidence.
For adding a child: birth certificate, Child Health Record, minor ID where available and the physician’s Certificate of Good Health listed for additions. BIAI will confirm age-appropriate requirements.
For an addition: owner/insured identity documents, current owner address evidence and completed dependent medical-information forms supplied by BIAI.
Review and sign the Individual Health Insurance Information Change Form supplied by BIAI; removal uses this change form.

Ask about this request →

Group health — convert to individual cover

Sagicor Life

BIAI will guide you through the applicable documents and next steps.

What to have ready

Your group-policy/member details, intended individual cover and any conversion letter already provided to you.
Owner and insured identity documents and owner proof of address within three months.
Complete and sign the individual application supplied by BIAI. Additional medical information is required if requesting further benefits.
BIAI will help obtain the Group Department’s conversion documents and confirm eligibility, timing and the quotation before the next step.

Ask about this request →

Request a Cari-Care card for a new health policy

Sagicor Life

For a first card on a new health policy. BIAI will confirm the card arrangements with Sagicor Life. For a lost or damaged existing card, choose the replacement-card request.

What to have ready

The policyholder’s name and new health policy number or application reference.
Tell us who needs the card and whether you are checking when it will be ready or asking how to receive it.

Ask about this request →

Share sensitive documents only through the channel agreed with BIAI.

Document Scan Guidelines →

A little more perspective

The premium is visible. What else would you pay?

Your monthly payment is only one part of understanding health cover.

Explore this question

Explore related solutions

Family health insurance

Care for different needs under one family plan.

Critical illness cover

More room to focus on recovery.

Health insurance

Make room in your planfor the care you may need.

A question for your situation

The premium is visible. What else would you pay?

Explore related solutions

Family health insurance

Critical illness cover

Make room in your plan
for the care you may need.