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Expats Talk about Health Insurance and Healthcare in Hamilton, Bermuda

By Joshua Wood, LPC

Last updated on Feb 04, 2023

Summary: There are two hospitals in Hamilton, Bermuda: King Edward VII Memorial Hospital and the Lamb Foggo Urgent Care Centre. King Edward VII Memorial Hospital is the main hospital in Hamilton, providing a range of services including emergency care, surgery, and maternity services. The Lamb Foggo Urgent Care Centre is a walk-in clinic providing urgent care services. Emergency services in Hamilton are provided by the Bermuda Fire and Rescue Service, who can be contacted by calling 911. The quality of medical care in Hamilton is generally considered to be of a high standard, although it may not be as advanced as the medical care available in the US.

What are medical services in Hamilton like?

When we asked expats and global nomads about the quality of medical care in Hamilton, they replied:

"Healthcare is expensive. Some companies bear the insurance cost, but majority you have to pay your portion of insurance. There is co-pay in almost all private doctor visits and services are expensive," said one expat living in Hamilton.

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What are emergency services like in Hamilton?

When we asked about emergency services, members in Hamilton wrote:

"King Edward Memorial Hospital is the only general hospital on the island. It has the usual departments one would expect and most basic problems can be managed on island. Many people however choose or are advised to go overseas for surgery or complex problems. All medical care on island is private, bar a minority of local people with just the basic government health cover. The hospital is on the outskirts of Hamilton city and within 12 miles of any part on the island. A second hospital, Mid Atlantic Wellness Institute looks after mental health problems and learning disabilities. This is in one of the central parishes. Psychiatric care is covered by insurance. Locally problems such as cardiovascular disease, asthma, renal dialysis, orthopaedic surgery, childbirth, paediatrics are all covered in the same fashion as a district general hospital would cover back in UK. You do have an element of choice afforded through your insurance - for example I have one friend who had knee replacement on island and another who went to Boston," said an expat in Hamilton.

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Will I need to travel to see a specialist?

"Boston, New York and UK are the common places to go for off island medical care. Quality there is of course excellent," mentioned another expat in Hamilton.

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Are common prescription medications available in Hamilton?

"Prescription medicines are covered through your insurance. This is one area which is better than UK as there is no co-pay for common prescription items, compared with the standard prescription charge in UK. Some that are OTC in UK are not available without prescription here - for example oral antifungals. Others surprisingly are available OTC such as some sleeping tablets and strong laxatives. Many vitamins are available in pharmacies," commented one expat living in Hamilton, Bermuda.

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What advice do you have for expats having a baby in Hamilton?

We asked expat moms who gave birth in Hamilton about their experiences and advice they have for other moms to be. They said:

"Given the uncertain times the world is facing currently, it is certainly an exciting venture to be having a baby in Hamilton. As a first step, it is important to be aware of the different healthcare systems available and how they might affect your baby’s care. It is also essential to research the local maternity and infant healthcare facilities, such as maternity classes and local doctors and hospitals that have experience in delivering care to babies born to expats. It is recommended to attend pre-natal classes before the due date to learn more about the birthing process, different birthing options available, and parenting tips. Once the baby is born, it is also important to consider what resources are available to help with settling in and caring for your baby, such as immunization information, support groups, and other helpful organizations. It is also important to establish a clear understanding of the laws and regulations of the local community, such as the requirements for parental leave, baby and infant care, and any other applicable resources. With thought and planning, and guidance from local organizations and your healthcare provider, having and caring for a newborn in Hamilton can be a rewarding experience," said another expat in Hamilton.

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Are healthcare services good in Hamilton?

We asked people if they have access to good medical care in Hamilton. They wrote:

"Healthcare services in Hamilton include a range of medical professionals, acute care hospitals and mental health facilities. Hamilton Health Sciences is the city’s largest healthcare provider, offering a variety of specialty services and trauma care. Other hospital networks include St. Joseph’s Healthcare Hamilton and Mohawk Medcorp Inc. In addition to inpatient care, there are a number of community-based health services, including primary care offices, walk-in clinics, home care, and long-term care facilities. Mental health services are available from community agencies including St. Joseph’s Health Care, Hamilton Wentworth District School Board, and My Winiview Health Services. Hamilton also has an array of pharmacies, laboratories, and medical equipment providers throughout the city," remarked another in Hamilton.

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About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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