Health insurance forthe Caribbean and the Guianas
Caribbean Health Insurance designs international health coverage for the people of the Caribbean and the Guianas, so they can access world-class medicine in the Dominican Republic and Colombia instead of paying for care in the United States. Coverage from USD 300,000, no deductible.
Health insurance designed forthe local population
Caribbean Health Insurance is an international health insurer created for a very specific reality: the people of the Caribbean and the Guianas who need high-complexity care and would otherwise have to travel to the United States to get it.
Its approach is to bring that medicine closer. Policyholders receive care in the Dominican Republic and Colombia, with a network of hospitals and specialists selected for clinical quality, within a plan priced and designed for the region instead of the US market.
- Closer careAccess to world-class medicine in the Dominican Republic and Colombia instead of the United States.
- Designed for the regionPlans built for the local population of the Caribbean and the Guianas, not adapted from a US policy.
- Closer to homeSpecialist consultations and hospital treatment in the countries where policyholders live.
Two plans,one shared benefit list
Both plans are built without deductible and share the same core coverage. They differ in insured amount, and Pearl Health adds medical air transport within a 2,000-mile radius.
USD 300,000
Essential international coverage
Coverage of USD 300,000 for general and specialty consultations, treatment within the network, hospital care and virtual assistance.
- Hospital coverage in the contracted network
- Cardisiography
USD 300,000
Essential international coverage
Coverage of USD 300,000 for general and specialty consultations, treatment within the network, hospital care and virtual assistance.
- Hospital coverage in the contracted network
- Cardisiography
USD 500,000
Broader coverage with air transport
Coverage of USD 500,000. It includes everything in Coral Health and adds medical air transport within 2,000 miles from the country of treatment.
- Everything included in Coral Health
- Medical air transport within 2,000 miles
- Hospital coverage in the contracted network
Included in both plans
- Policy without deductible
- General and specialty medical consultations
- Treatment abroad within the network
- Hospital coverage
- Virtual assistance
- Essential medications
- Bilingual support in English and Spanish
Hospitals and clinicsin two countries
The network brings together the DR and Colombia's leading institutions, selected for clinical quality and case complexity, so a policyholder can be treated without leaving the region.
Dominican Republic
Robotic surgery, general medicine and high-complexity care
Clínica Abreu
Robotic surgery reference center in the network.
CEMDOE
Multispecialty hospital for consultations, diagnosis and treatment.
Centro Cardiovascular Santo Domingo
Specialized cardiovascular care center.
Colombia
Cardiology, transplants and multispecialty clinics
Cardio
Cardiology and transplant reference center.
Clínica Santa Fe
Multispecialty clinic for consultations and treatment.
Clínica Marly
Multispecialty clinic with a wide surgical and diagnostic portfolio.
Brochures and the full network information are available directly from the insurer. KURBUO can guide you through the coverage and the contracting process.
Available in14 Caribbean countries
The plan lists fourteen countries and territories across the Caribbean and the Guianas. Confirm eligibility, the applicable network and policy conditions with the insurer.
Countries and territories where the plan is available
- Bahamas
- Turks and Caicos
- British Virgin Islands
- Antigua and Barbuda
- Aruba
- Curaçao
- Dominica
- Saint Lucia
- Saint Vincent and the Grenadines
- Grenada
- Saint Kitts and Nevis
- Sint Maarten
- Anguilla
- Guyana
If you do not see your country listed, contact us through WhatsApp and we will confirm availability directly with the insurer.
How this insurance works,step by step
This KURBUO-authored guide summarizes the published plan information: eligibility, coverage, treatment destinations and our role as an advisor. Confirm your eligibility and the final policy conditions with Caribbean Health Insurance before contracting.
Who can contract this insurance
The plan lists the Caribbean and Guianas countries and territories shown above. If your country is listed, confirm your eligibility and the applicable requirements directly with Caribbean Health Insurance before contracting.
What the coverage includes
The published benefits include general and specialty consultations, treatment and hospital care inside the contracted network, essential medications, virtual assistance and bilingual support. Both plans are described as having no deductible. This does not mean immediate activation or no costs: confirm exclusions, limits and activation conditions with the insurer.
Where you are treated
In the Dominican Republic and Colombia, in hospitals and clinics selected for clinical quality, including high-complexity specialties such as robotic surgery, cardiology and transplants. You can be treated in the region instead of travelling to the United States.
How the two plans differ
Coral Health covers USD 300,000 and Pearl Health covers USD 500,000. Pearl Health adds medical air transport within 2,000 miles from the country of treatment. Confirm the applicable policy conditions with the insurer when comparing the plans.
How KURBUO helps you
KURBUO is an independent advisor, not the insurer. A KURBUO advisor explains how each plan works, which coverage fits your case and how to contract with Caribbean Health Insurance, and confirms availability for your country at no additional cost.
Questions people askbefore contracting
KURBUO's answers summarize the published plan information and highlight what to confirm with the insurer. If your question is not here, a KURBUO advisor can take it directly to the insurer.
Which countries is Caribbean Health Insurance available in?
The plan lists 14 countries and territories across the Caribbean and the Guianas: the Bahamas, Turks and Caicos, the British Virgin Islands, Antigua and Barbuda, Aruba, Curaçao, Dominica, Saint Lucia, Saint Vincent and the Grenadines, Grenada, Saint Kitts and Nevis, Sint Maarten, Anguilla and Guyana. Confirm your eligibility, the applicable network and policy conditions directly with the insurer.
Do I have to travel to the United States to be treated?
No. The whole point of this insurer is to bring high-complexity care closer. Policyholders are treated in the Dominican Republic and Colombia, within a hospital and specialist network selected for clinical quality, instead of paying for care in the United States.
What is the difference between Coral Health and Pearl Health?
Coral Health provides coverage of USD 300,000. Pearl Health provides coverage of USD 500,000 and includes everything in Coral Health plus medical air transport within 2,000 miles from the country of treatment. Both plans are built without deductible and share the same core benefits.
Does this health insurance have a deductible?
Both plans are published as having no deductible. This does not guarantee immediate activation or that every expense is covered without costs. Confirm exclusions, limits and activation conditions in the policy with Caribbean Health Insurance before contracting.
What happens if my country is not in the list?
Contact us through WhatsApp and a KURBUO advisor will confirm availability directly with Caribbean Health Insurance. Availability can change as the insurer expands the plan, so it is worth asking rather than assuming.
Is KURBUO the insurer?
No. KURBUO is an independent advisor. Coverage conditions, limits and rates are defined by Caribbean Health Insurance. KURBUO's role is to explain the plans, guide you through the contracting process and answer your questions at no additional cost.
Talk to KURBUObefore you contract
A KURBUO advisor explains how each plan works, which coverage fits your case and how to contract with the insurer, with no additional cost.
KURBUO is an independent advisor and is not the insurer. Coverage conditions, limits and rates are defined by Caribbean Health Insurance.