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National Health Insurance Plan

The National Health Insurance Board (NHIB) was established under the National Health Insurance Ordinance 2009, as a statutory body. NHIB’s goal is to facilitate the provision of accessible, affordable and quality health care services to all its beneficiaries as specified in the ordinance.

National Health Insurance is a form of health coverage that insures the entire population against meeting the costs associated with ill health. It is a key pillar of a comprehensive social security system intended to protect the well-being of the people of the Turks and Caicos Islands.

Enrolment in the NHIP is mandatory for all those who are employed or reside in the TCI including:

a. Belongers, resident in the islands
b. Expatriates employed by the government or any government agency or any statutory body
c. Expatriates on current work permits or temporary work permits
d. Permanent resident cardholders with a right to work
e. Pensioners that satisfy all eligibility requirements
f. NIB non-contributory old age pensioners
g. Indigents enrolled with the Social Development Department
h. Prisoners
i. Dependents of any person referred to in (a), (b), (c), (d)

All employers are required to register their employees with the NHIP and declare and pay monthly contributions. A total contribution of 6% of the monthly salary is required for all employees, which is split 50-50 between the employer (3%) and employee (3%). The employer will deduct the employes portion from their regular paycheck and pay it on their behalf to the NHIP.

Self-employed individuals are also required to submit their payments monthly based on their salaries.

Deadline for submission of salary information and payments is on the 7th of every month. However, payments can be made on or before the 14th of the month. If the 14th falls on a weekend or holiday, customers have until the next business day to submit contributions. Failure to submit payments within the allotted time will result in a 10% late fee per month.

Salary submissions can be made online via the HNIP eServices website.  Payments are also accepted via online bill payment with your local CIBC or Scotiabank.

Registering with the National Health Insurance Board is quick and simple.

The package of benefits for the NHIP includes:

All essential medical services, most of which are provided by the health care facilities managed by Interhealth Canada on Grand Turk and Provo

Access to the primary care clinics which the government manages on the Outer Islands

Government’s provision of public health services directly such as immunizations and wellness programs.

Benefits are structured on social principles of equal access to comprehensive health care services for all residents. Unlike private insurance there will be no exclusions or waiting periods for pre-existing conditions; and no deductibles or co-insurance.