Health Insurance – Minimum Requirements

Under the Health Insurance Act 1970, it is required for all employers to insure:

  • all employees who work for more than 45 hours per month
  • all employees who work for more than 2 months
  • all non-employed spouses of employees
  • all self employed persons

for the “Standard Hospital Benefit” (i.e. HIP).

I am finding it extremely difficult to find an insurance scheme that suits a ‘temporary worker’ arrangement that Workforce will be undertaking, where individuals might have short term and infrequent engagements.  The monthly premium is $400 for any part of a month, and if someone only works 2-3 days near the end of a month and then doesn’t have another assignment, they would spend most of their pay on insurance.

One step forward, two back!

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About workforcebda

Alex owns and operates Workforce Ltd., a Bermuda-based staffing company for the construction industry.
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