Overseas medical case management
What is overseas case management?
Overseas case management helps Allshores health plan members navigate the process of receiving medical treatment outside of Bermuda.
Our dedicated overseas care team works with you and your doctor to coordinate approvals, prepare documentation, and connect you with appropriate medical provider. We help ensure your care journey is seamless and well-coordinated, so you can focus on your health.
Overseas case management
- Guidance through the overseas care approval process
- Dedicated case manager to support your journey and coordinate care
- Travel concierge to help with travel logistics and upfront payments
Who is overseas case management for?
You may benefit from overseas case management if you:
- Have been referred for specialised treatment not available locally
- Need help navigating the overseas care approval process
- Are unsure what services or travel costs may be covered
- Need help coordinating appointments with overseas specialists
- Would like guidance preparing documentation and medical records
- Want support planning your travel and treatment schedule
What types of support are available for overseas care?
Depending on your situation, we can help with:
- Explaining your health coverage and what may be eligible for coverage
- Supporting the pre-approval process and preparing documentation
- Connecting you with trusted overseas medical providers
- Coordinating the transfer of medical records and referrals
- Providing a dedicated point of contact throughout your care journey
- Helping you prepare for travel and treatment abroad
- Arranging emergency overseas care or evacuation when required
- Guidance and coordination in the event of a medical emergency abroad
How overseas case management works
Our team works with you, your doctor, and overseas providers to help coordinate your care from start to finish.
While each situation is different, the typical process includes:
- Your doctor completes an overseas referral and our team begins the approval process.
- You’ll be connected with a case manager who will guide you through your care journey and answer your questions.
- We help confirm coverage, prepare documentation, and connect you with appropriate overseas specialists.
- Our team helps coordinate logistics so you know what to expect.
- Once you return home, our local care support team may assist with coordinating follow-up care.
Learn more or get started with overseas case management
Overseas medical emergencies
If you experience a medical emergency while traveling abroad, please contact our team as soon as possible. Early notification allows us to help coordinate your care, provide guidance, and communicate with your providers as needed.
Call us at 1-800-720-7315 or email us.
Looking for local care support instead?
Frequently asked questions
Optional overseas rental car coverage is available for comprehensive motor insurance policyholders. This optional coverage, called a Collision Damage Waiver extension, protects your legal liability for damage, theft, or loss of use of the rental vehicle.
This option is often more affordable than purchasing insurance directly from the rental company. Please note that this coverage does not include third-party liability, which we recommend arranging through the rental provider. Am I covered to drive a rental car overseas
Your motor insurance policy only covers the vehicle listed on your policy, which must be registered in your name with the Transport Control Department (TCD).
If you're driving someone else's car or motorbike, you'll typically be covered under their policy, as long as:
- You have a valid Bermuda driver's licence
- You have the owner's permission to drive the vehicle
If you're renting a car overseas, you'll need a comprehensive car insurance policy with a Collision Damage Waiver extension to protect against accidental theft or damage to a rental vehicle while it's in your possession. Learn more about protecting yourself when renting a vehicle overseas.
Young drivers don't need different coverage than older drivers, but age may affect:
- Insurance deductibles (which are typically higher for younger drivers)
- Insurance premiums, which are based in part on driving history, years licensed, and any accidents or convictions in the past five years
For added protection for your young driver, you can add 24/7 roadside assistance to their Allshores motor insurance policy. Call us at 1-441-298-0888 to sign up.
Typically, you don’t need to formally add another driver to your policy, unless your policy states that only named drivers are allowed to drive your vehicle. If your policy permits it, anyone with a valid Bermuda driver’s licence may drive your vehicle or motor bike if they have your permission.