Expat insurance
Expat insurance in Bermuda
Comprehensive cover for people who've actually moved to Bermuda: multi-year stability, no trip caps, and the proper inpatient/outpatient stack you want when this is home now.
Bermuda ran a popular one-year remote-work certificate, but it closed to new applicants on 28 February 2025, so the real route now is short visa-free stays or Permission to Reside on an Annual Basis. It is English-speaking and tax-free on personal income, with one modern hospital, yet it is a small mid-Atlantic island where serious cases are flown to the US east coast by air ambulance. That evacuation flight, and Bermuda's famously high prices, make medical and repatriation cover the single most important thing to get right.
What expat insurance covers in Bermuda
Expat insurance is built for expats with a residence permit or long-stay visa, families, retirees abroad. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Bermuda situation you care about.
What you get
- Full inpatient and outpatient medical
- Maternity (with waiting period)
- Dental and vision (add-ons)
- Chronic-condition management
- Multi-year renewals without trip-length resets
What it won't do
- Cover in your home country (limited windows on some plans)
- Pre-existing conditions during initial underwriting
- Cosmetic procedures
What care costs in Bermuda
A taste of what expat insurance protects you from. The full local cost breakdown lives in the Bermuda guide.
| Private GP or short consultation | commonly cited around US$150 to US$250 |
|---|---|
| One-bedroom apartment, monthly rent | roughly US$2,500 to US$3,700 depending on area |
| Meal at an inexpensive restaurant | about US$30 to US$55 |
Expat insurance in Bermuda: FAQ
In most cases Bermuda expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Bermuda guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Bermuda guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Bermuda: answer a few honest questions and see only what's relevant.
Other insurance for Bermuda
Different stages of nomad life need different cover. Here's the full set we've mapped for Bermuda.
Get matched with expat insurance for Bermuda
Three minutes of honest questions, then we'll show you the expat insurance options that actually fit your situation in Bermuda.
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