Would You Survive The Long Wait?
When every second counts, get affordable and immediate access to private care in the event of an unexpected accident or emergency.
“It is the greatest plan I came across… I have used this plan and it worked for me”
Marcia
Years of
Experience
Benefits:
Flexible Coverage Plans Tailored to Your Needs
Immediate Access to 9 Leading Accredited Private Hospitals
Shorter Wait Times & Personalised Care
Low and Affordable Deductibles
Access to Concierge Services
Fixed Surgical Payments (Private & Public Hospitals)
Coverage for Critical Illnesses
How ADmed Works?
Accident/Emergency Cases:
Visit any of our 9 accredited hospitals
Visit the Accident & Emergency Department at the hospital.
Present your ADmed card & valid picture ID.
ADmed will pay the first 48hrs expenses for accident/emergency cases up to the Client's maximum benefit available.
Deductable:
Deductable must be paid if indicated on the card before services.
What ADmed Covers:
Accident & Emergency Services Benefit: Covers medical expenses for the first 48 hours of an accident or emergency.
Surgical Benefit: Get paid for necessary surgeries, based on the type of surgery.
Hospital Diagnostics Benefit: Covers room and board, covered diagnostic tests (conditions apply), and other hospital services as a result of accidents, emergencies, or sickness on an approved Doctor’s recommendation at a hospital.
Dread Disease Acceleration Benefit: Get a lump sum when diagnosed with critical illnesses like heart attack, stroke, cancer, and more. Payable once.
Death Benefit: Payable to the beneficiary upon the death of the insured person.
ADmed Plans
Features
ADmed Bronze
ADmed Silver
ADmed Gold
Accident & Emergency
10,000-15,000
10,000 – 20,000
10,000 – 25,000
Hospital DiagnosticsÂ
10,000-15,000
10,000 – 20,000
10,000 – 25,000
Disclaimer – The following is a list of current average costs of some Major Surgical procedures in Trinidad and Tobago. The Actuary reserves the right to change the premiums, benefits, and surgical classifications on the medical benefits at any time.
Surgical
ADmed Bronze
ADmed Silver
ADmed Gold
Category A
Breast Lumpectomy, Arthroscopy Right Knee, Appendectomy
 7,000Â
10,000Â
14,000
Category B
Hysterectomy, Laparoscopic Cholecystectomy, Myomectomy
 12,000
19,000
25,000
Category C
Total Hip Replacement, Total Knee Replacement, Laparoscopic Colectomy
35,000
 50,000
70,000
Category D
Coronary Angioplasty (PCI), Brain Tumor Resection, Craniotomy
85,000
130,000
175,000
Category E
Open‑Heart Surgery (CABG)
175,000
260,000
350,000
Surgical 5 yr. Maximum
350,000Â
520,000
700,000
ADmed vs Other Major Medical Plans
ADmed
Other Medical Plans
Fixed Lump Sum Amounts for Surgeries performed no matter how large or small the expenses of the operations
 YesÂ
No
Medical Bills for Surgery requiredÂ
Conditional
Yes
Co-insurance factor
No
Yes
Payment on Diagnosis of Dread Disease
Yes
No
Accumulation Benefit at the age of 70
Conditional
No
Pre-registration at ADmed Accredited Private Hospitals
Yes
No
24-Hour link with Admed Accredited Private Hospitals
Yes
No
Pre-Claim Advisory Service
Yes
No
Trusted Coverage at 9 Leading Accredited Hospitals
Get the answers you're looking for.
No, ADmed is not considered health insurance. Health insurance takes care of everyday medical needs like doctor visits and prescriptions, while ADmed, a major medical coverage, steps in for significant expenses such as hospital stays and serious treatments in the event of an accident or emergency.Â
- Upon enrollment, you will receive an ADmed card.
- Regular payments are made to Maritime to maintain coverage.
- In the event of an accident or emergency, present your ADmed card and valid ID at any one of our listed accredited hospitals to receive immediate assistance
Yes, you can pay online with a credit card, but not over the counter.
The approved nursing homes listed on your ADmed card can access the system to check your available limit.
Yes, you can make an ADmed claim for surgeries done at government hospitals.
No, ADmed covers only the insured individual stated in the policy.
No, ADmed does not have a Cash Surrender Value.
ADmed covers major medical procedures, accidents, and emergencies at 24-hour hospital facilities, excluding regular GP visits, dental, and vision.
