Innovation Programme

The Innovation Programme (“Programme”) provides support for innovative solutions to address Bermuda’s high rates of non-communicable chronic diseases and associated disabilities.

The programme is funded by a transfer from the Mutual Reinsurance Fund (“MRF”) to support public health interventions that consider local context, are derived within the local environment and can complement the health system in addressing this major health system issue of chronic disease. We welcome programmes, initiatives, and innovations that address the risks associated with non-communicable chronic diseases. The Health Council will provide Programme oversight, and all reporting of the use of awarded funds and outcomes resulting from the funded initiatives will be made public.

Letter of Intent and Programme Guide

Submit a LETTER OF INTENT if you have an idea that falls within one of the focus areas and meets the investment requirements of the Programme as described in Guide to Navigating the Innovation Programme.

Current Focus Areas

The Innovation Programme Year-End

Standard Health Benefit (SHB)

The story starts with the Standard Premium Rate (SPR) which is the price calculated to cover the cost of each insured individual (1) having access to a base package of mandated health benefits, collectively referred to as SHB, and (2) contributing to select high-cost health procedures (like dialysis and kidney transplants) and the cost of health system administration.  The second component is collectively referred to as Mutual Reinsurance Fund benefits.  This separation of SHB and MRF is based on the differences in funding of the two components and does not impact access for individuals with an active health insurance policy.

Each month, every insured person pays a health insurance premium to their health insurance provider.  Included in that payment is the premium for SHB, the premium for MRF (collectively referred to as SPR) and the premium for supplemental benefits.  The supplemental benefits are not mandated and thus each insurer decides what that portion of the premium is and what benefits it covers.  Supplemental benefits may include services such as vision care, dental care and allied health services.

The types of services, reimbursement rates for the SHB and MRF benefits, and the SPR are set by the Minister of Health and are reviewed annually to ensure healthcare market sustainability, inclusion of feedback from stakeholders, affordability of services, and diversity of benefits that can support the health of individuals.


Click here for the reimbursement rates for approved providers.  See the Change Log tab monthly for updates. Approved providers are prohibited from charging beyond the regulated reimbursement rate levels for these procedures. All fees for services not included under SHB are set by the health professionals providing care.









SHB & SPR Legislation
Health Insurance (Standard Health Benefit) Regulations 1971
Health Insurance Act 1970
Bermuda Hospitals Board (Hospital Fees) Regulations 2018



Formulary Resource Hub

Our resource hub provides information for formulary decisions with Bermuda’s healthcare industry and various stakeholders in mind. This includes resources for our consumer pricing guidance for prescription drugs at fair market pricing in Bermuda, on commonly prescribed drugs. To create better healthcare, the Health Council consistently reviews Bermuda’s health system. As per the Health Council Act 2004, Section 5 (h), the Health Council provides insight on the purchase price of drugs. Drugs are a significant expense for Bermuda’s residents. In our 2017 Health Services Survey, respondents highlighted that they “just can’t afford the medication they need” and “need help getting medicines they need”. If you have any suggestions on information you would like to see included on the hub, please contact us.

Consumer Pricing List

Drug Name Dosage
Acetazolamide 250/var

Before You Apply:

Programme Guide

Details the structure, purpose and expectations of the Fund and Programme.

Programme Timeline

Provides proposal submission deadlines and benefit start date.

Letter of Intent (LOI)

Used to submit an LOI. An LOI must be submitted and approved prior to submitting a formal proposal.

After You Apply

Summary of Proposals Received

Summary of all proposals submitted and the status of their review.

Scoring Rubric for Proposals

Scoring criteria applied to all proposals by the Proposals Review Committee

Once you have been approved:

Funding Agreement Template

Agreement to be made between the fund administrator and the applicant about what to expect from each other before, during and after funding is provided.

Progress Report Template

Form used by the provider of the approved programme/benefit to submit reports on progress. Submission and acceptance of this form is required for payment to be made to the provider.

Early Termination Form

Form used to request to terminate the agreement between the provider and the Fund administrator. Details of the implications of early termination of the agreement can be found in the Funding Agreement Template below.

Kidney Transplant Programme

The Kidney Transplant Programme was established to provide transplant and care coordination and education to transplant candidates, recipients, living donors and their families, and also administrative support to patients’ care teams in alignment with physician care.

How can we help?

We can provide education on kidney transplantation, organ donation, and more.

Did you know that kidneys do important jobs like?

  1. Putting back useful stuff into your blood.
  2. Cleaning your body by removing harmful waste.
  3. Getting rid of extra water around your heart and lungs.
  4. Creating a substance that helps regulate blood pressure.
  5. Producing a substance for red blood cell creation and prevent anemia.

Did you know that 50% of Bermuda's residents battle chronic health conditions?


Contact us through our webform here or give us a call at 292-6420.