The Association of T&T Insurance Companies (ATTIC) Health Insurance Providers Committee has issued guidelines to address questions concerning remuneration posed by policyholders.
In a release the committee said that it issued “this guidance to address recent queries from policyholders on COVID-19 test reimbursement.”
According to the ATTIC committee, specific criteria must be met in order for a policy holder to be considered for a COVID-19 test reimbursement.
It noted that the policyholder must be symptomatic and must have a referral by the doctor to have the COVID-19 test done. Additionally, the committee outlined that the policyholder must be, either hospitalised or has an approved medical procedure and the COVID- 19 test is a requirement by that facility prior to admission.
Furthermore, the ATTIC committee highlighted that the test must be sent to an approved medical lab for COVID-19 testing as indicated in the Ministry of Health regulations.
The Committee said: “Once these conditions are met, this benefit may be paid under the Diagnostic benefit subject to conditions and limitations of the individual contract provision.”
It also noted that the insurer has the discretion to impose a Reasonable & Customary (R&C) charge on the COVID-19 test.
ATTIC’s Health Insurance Providers Committee currently consists of Assuria Life T&T Limited, The Beacon Insurance Company Limited, Guardian Life of the Caribbean Limited, Maritime Life (Caribbean) Limited, Pan-American Life Insurance Company of Trinidad and Tobago (PALIG), Sagicor Life Inc. and Trinidad & Tobago Insurance Limited (TATIL).