Healthcare in Bermuda for Expats (2026 Guide)
Navigating Bermuda's healthcare system doesn't have to be overwhelming. This guide breaks down exactly what you need as an expat.
Healthcare System Overview
| Indicator | Value |
|---|---|
| System Type | Private (Mandatory Insurance) |
| Healthcare Quality Index | 70/100 |
| Spending per Capita | Data not available |
| Life Expectancy | 82.1 years |
How the System Works
Bermuda's healthcare system is classified as private (mandatory insurance). This means all residents contribute to a mandatory health insurance scheme, either public or private. Employers typically share the cost of public insurance premiums.
Public vs Private Healthcare
Most countries offer both public and private healthcare options:
- Public healthcare: Available to all registered residents. May have waiting lists for non-urgent procedures. Typically lower cost but less choice of provider.
- Private healthcare: Shorter wait times, choice of specialist. Higher cost but often better facilities. Many expats choose private insurance for the first year.
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Emergency Numbers
| Service | Number |
|---|---|
| Universal Emergency | N/A |
| Ambulance | N/A |
| Police | N/A |
Save these numbers in your phone before arriving in Bermuda. In EU countries, 112 works universally. In non-EU countries, learn the local numbers and keep them accessible.
Health Insurance for Expats
As an expat in Bermuda, your insurance options typically include:
- Employer-sponsored insurance: If employed locally, your employer may enrol you in the public system or provide private coverage
- International health insurance: Global plans from providers like Cigna, Allianz, or Bupa — ideal for the first year or if you plan to move again
- Local private insurance: Often cheaper than international plans but may have language barriers in claims
- Public system enrolment: Available once you have a residence permit and employment
Healthcare Quality
With a healthcare quality index of 70/100, Bermuda offers good healthcare by international standards.
Life expectancy in Bermuda is 82.1 years, which is above the global average.
Practical Tips
- Register immediately: Sign up for health insurance within your first week of arrival
- Bring medical records: Carry translated copies of your medical history, prescriptions, and vaccination records
- Find an English-speaking doctor: Expat communities and forums often maintain lists of English-speaking practitioners
- Prescription medications: Check if your regular medications are available and legal in Bermuda. Bring a 3-month supply with a doctor's letter
- Dental care: Dental coverage varies widely — check what your insurance covers and consider supplemental dental insurance
Frequently Asked Questions
Are prescriptions from my home country valid in Bermuda?
Foreign prescriptions are generally not valid in Bermuda. Bring a translated copy of your prescriptions and a doctor's letter explaining your medication needs. Visit a local GP to get prescriptions reissued. Some medications may have different brand names or availability.
How do I register for healthcare when I arrive in Bermuda?
Registration typically involves visiting a local health office or insurance provider within your first weeks. You will need your residence permit, passport, and proof of address. Your employer may handle registration if you are employed locally.
What is the quality of healthcare in Bermuda?
Bermuda's healthcare quality index is 70/100, indicating good healthcare quality. Life expectancy is 82.1 years.
How long are hospital waiting times in Bermuda?
With a healthcare index of 70/100, waiting times in Bermuda are Moderate, with some waiting for non-urgent procedures. Private hospitals typically offer shorter waiting times.
Do I need health insurance in Bermuda?
In most cases, yes. As an expat in Bermuda, you will need health insurance. The system is insurance-based, so registration with a health insurer is typically mandatory. Check visa requirements — many residence permits require proof of health insurance.
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