The Antigua and Barbuda Hotels & Tourism Association in partnership with the Antigua and Barbuda Workers Union signed a Memorandum of Understanding with State insurance in May 2013 to provide health insurance for hotel industry workers. Effective October 2013 all hotels under the ABHTA’s collective agreement with the ABWU must provide health insurance under this scheme to their employee’s. However the Group Health Plan is open to all ABHTA members.

The terms below are applicable to workers under the ABHTA’s Collective Agreement. Companies not under the Collective Agreement offering the health insurance may offer alternative conditions. The coverage and costing remain the same.

Who Is Eligible?

All full time permanent employees under the Collective Agreement having completed their probationary period are to be enrolled in the health plan. This does not apply to contract workers.

However…. Employees may opt out for the following reasons:

1) Where an employee is covered by another health plan, i.e. through a partner’s employment and can produce proof of this insurance.

2) Where an employee is working in two properties, in this case the employee must designate a primary employer who will pay into the health insurance whereas the secondary employer will be exempt.

3) Where the employee can provide other strong reasons why they should not be enrolled. This is left to the appreciation of the employer.

In all cases to opt out the employee should complete the Opt-Out form which can be downloaded here and present it to their HR Department

How much does it cost?

The ABHTA & ABWU have agreed to a basic insurance package to ensure that all employees have medical coverage at an affordable rate. The monthly cost is to be borne 60% by the employer and 40% by the employee.

We have negotiated an enhanced benefit plan for ALL employees.  Please view your pre enrolment information here which is inclusive of your Insurance rates.


For full details on our ENHANCED BENEFITS PACKAGED updated on January 1, 2021, please view HERE.

Important documents and forms you will need on the Policy:

  • Pre enrolment:
    Learn more about the Policy
  • Claim Form:
    This Form should you be used ONLY if you visit an ‘Out of Network” Doctor or Facility
  • Network Provider Listing:
    These Doctors and Facilities are preferred partners of State Insurance Company Limited
  • Opt-out form:
    above section related to reasons you may opt-out
  • Dependent Change Form:
    Adding or removing a Dependent?  Please use this form

Managing the Policy

We want to ensure a seamless operation of the Policy. The Risk Management Broking and Consultancy has been retained to be directly responsible for the administration of the Scheme. Their functions include:

  • Direct liaison between the Members, HR & Financial Controller and State Insurance Company Limited.
  • Data Collection (Premiums & Claims) & Dispute resolution.

    Dalmer McCoy
    “Senior Broker Consultant”
    (268) 464-7820

    Amani McCoy
    “Junior Broker Consultant”
    (268) 764-7820