BARP GoldenHealth Plan by the Insurance Corporation of Barbados
ELIGIBILITY TO JOIN
All existing BARP members up to the age of 75 years can apply, but will be asked to complete a health statement form and at the discretion of the Insurance Company, pre-existing conditions may be excluded. Application forms and the health statement form are available from the BARP office in Collymore Rock.
New BARP members who are eligible (under age 75) can apply to join the Scheme within 30 days of their successful application for BARP membership. These persons will also be asked to complete the same health statement form as above.
Eligible dependant(s) refer(s) to the following:
- The legal wife or husband of member, (but not including those legally separated) or the person living with the member in a recognized husband-wife relationship, who is registered as such in the records of the Association
- A member’s unmarried children, stepchildren and children legally adopted, who are under the age of nineteen (19) years. Children over the age of nineteen (19) and on the attainment of age twenty-five (25), will be eligible for coverage, provided that they are enrolled on a full-time basis in an approved institution for tertiary learning. Such children must be dependant upon the member for support and registered as a dependant of the member in the Association’s records with the Company. Members will be required to provide a letter from the tertiary institution certifying that the child/dependent is a current student.
Dependants must join the plan on the earlier of the following dates:
- On the date the member is enrolled in the plan or
- On the date the member acquires the dependant, if later than the date in bullet point above.
Members and/or dependants confined to a hospital or nursing home on the date their insurance cover is due to take effect, will not be covered until their discharge from hospital or said facility.
Application forms are available at the BARP office, or can be printed from our website. If printing the application forms from our website, all 4 pages must be printed out for each application submitted.
Applicants should pay particular attention to the questions on page two and answer them fully and accurately, using additional blank sheets where necessary. Please complete the relevant forms and return them to the BARP office together with your subscription. We accept cash or cheques at the BARP office.
Applications may also be posted to our office along with the subscription payable by cheque. (Cheques only in the post; please do not post cash).
Premiums are $140.00 per month for a single member and $267.00 per month for a member and spouse and family dependents.
COVER AND PREMIUM DATES - please read carefully:
All insurance cover starts on the 1st day of each month. Premiums must be paid to BARP NO LATER THAN the 15th day of the preceding month for cover starting on the 1st day of the following month. (For example: payment for the month of August must be made no later than July 15th) A charge of $20 will be made for a dishonoured cheque and the premium will be considered to be unpaid.
ARREARS AND TERMINATION
Members who are more than 30 days in arrears will be automatically terminated from the plan without exception and may re-apply immediately. In order to re-join the plan, members will be required to provide medical evidence at their own expense which may result in pre-existing conditions being excluded or cover being denied at the sole discretion of the Insurer, regardless of the status of the member’s previous inclusion in the plan.
Members who allow their BARP membership to lapse during the course of their membership of the GoldenHealth Plan will also be subject to automatic termination from the Plan. (Please also see note below on lapsed BARP membership).
Payment of premiums will not be accepted from BARP members whose BARP subscriptions are in arrears and their memberships in the Health Plan will be terminated immediately. (Also see notes below on termination and lapsed BARP membership).
The responsibility for ensuring premium payments and BARP membership payments are kept up to date is the SOLE RESPONSIBILITY of the member. Members must not rely on receiving reminders, even though these may be sent to the member by the Association in good faith.
IMPORTANT NOTE ON TERMINATION: Members who are terminated from the GoldenHealth insurance plan due to non-payment of premiums or BARP membership subscriptions may re-apply for membership of the GoldenHealth plan immediately following their termination from the plan. At the time of re-application, members will be required to provide medical evidence at their own expense which may result in pre-existing conditions being excluded or cover being denied at the sole discretion of the insurer, regardless of the status of the member’s previous inclusion in the plan.
LAPSED BARP MEMBERSHIP: Please note that persons whose BARP membership has lapsed and who re-apply for BARP membership will, if they wish to re-apply to join the Plan, be required to provide medical evidence at their own expense which may result in pre-existing conditions being excluded or cover being denied at the sole discretion of the insurer.
All claims are to be submitted to BARP for forwarding to the Insurance Corporation of Barbados. This will allow BARP to determine if the claim applicant’s premiums and BARP membership are fully paid up to date.
Claims must be submitted within ninety (90) days of the date of treatment and accompanied by original receipts.
There is a three (3) month ‘waiting period’ after enrolment before Dental or Vision Benefits can be claimed.
PRE-EXISTING CONDITIONS LIMITATION
Following acceptance into the GoldenHealth Insurance Plan, a member who has been under the care of a Physician or has received medical care or services in the 3 month period immediately prior to the date their cover under the GoldenHealth Plan becomes effective, will not be able to claim for any charges incurred during the 12 month period following commencement of cover, when such charges are for any service, treatment or expense connected with the same or a related sickness or bodily injury for which they received the previous medical care or services referred to above.
PLAN BROCHURE - Click to view images
SUMMARY OF BENEFITS
Preventative Benefits (not subject to deductibles)Annual Physical Exam $150
Annual Pap Smear $80
Annual Mammogram $80
Annual Ophthalmologic medical assessment $80
Up to 3 Stool occult blood specimen tests
Routine colonoscopy(over 60s) $300
Nutritional counselling $80
Comprehensive Major Medical
Lifetime Maximum $300,000
Deductible (across all categories) – total $500 per annum
The plan pays 80% of eligible costs up to $50,000 per year and then 100% of all costs over $50,000 in that year. i.e. the maximum per annum you might have to cover is capped at $10,000.
Other Benefit Limits
AIDS related conditions up to $50,000
Transplants up to $100,000
Daily Room and Board limits:
Caricom: $200 per day
Outside Caricom: $1,500 per day
Overseas treatment is covered if not available in
100% of reasonable and customary charges for an air ambulance in the case of an emergency
You are also required to meet 100% of any charges the plan does not cover (i.e. hospital telephone etc.)
Physician’s fee 80% up to $50
Specialist Fees 80% up to $75
Drugs, X-Rays etc. 80% of reasonable and customary charges
Physiotherapy 80% up to $60
$1,000 per annum with $25 deductible
Preventative, basic restorative & Major restorative 80%
Maximum benefit $450 per annum
1 pair of contact lenses every 24 months
OR1 pair of spectacle frames every 24 months and one pair of spectacle lenses every 12 months
COST OF PLAN For the above benefits PLUS $5,000 Life Insurance CoverSingle Member Premium only $140.00
Member and Spouse and/or family dependents $267.00
(Life Insurance cover only applies to first named policy holder)
(Please consult ICB specialist for details on who qualifies as ‘spouse’ and/or ‘family dependents)
For information and general guidance only - E&OE