Nemwil Smart Choice Health Plan

Smart Choice Plan is underwritten by Guardian Life of the Caribbean Limited and is a comprehensive worldwide medical plan designed to meet your individual needs. This plan is designed to cover your medical expenses on an 60% co-insurance basis, with you paying 40% of the overall expenses, subject to certain lifetime and annual limits.

Your Benefits

General Benefits

  • Low maximum co-insurance
  • Ground and air ambulance benefit
  • Access to PPO Network US and Worldwide (
  • Access to Trinidad Preferred Provider Network Guardian Group (Trinidad)
  • Access to Jamaica Preferred Provider Network Guardian Group - Jamaica)
  • Access to Barbados Preferred Provider Network Guardian Group (Barbados)
  • Maximum Lifetime Limit of $500,000 (Amount the policy will pay during an Insured's life span)
  • Claims payments to providers within the PPO network (24/7 contact numbers/ Important Details to note on your ID Card)
  • Conversion Policy - allowing you to convert from a group plan to an Individual Plan and vice versa
  • Local payment of claims
  • Psychiatric Care, Substance Abuse and Mental Illness Treatment
  • Durable Medical Equipment

Medical (Physician and Hospital)

  • Savings on office visits and medical services, ranging from routine surgery and diagnostic tests
  • Medical services include pediatric care, well baby, checkups, treatment of chronic illnesses, OB-GYN services and much more
  • A network of approximately 600 general practitioners and specialists, facilities and hospitals. Check Find a Provider for participating providers near you

Prescription Drugs

  • Savings on both brand name and generic drug prices
  • Access to a network of participating pharmacies, including most major chains. Check Find a Provider for participating pharmacies near you


  • Major dental care including diagnostic, preventive care, basic restorative and major replacement


  • Annual Examination, contact lenses, frames and single vision lenses.


  • Covered medical expenses for Chiropractic services are limited to the amount per treatment shown in the Policy.

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