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How It Works

Four steps from first conversation to first claim

We skip the jargon and long paperwork trails to show you exactly how insuring your team with Medicare works.

The process

  1. 1

    Get a Quote

    Send us your staff list with ages and roles. We return a costed proposal in both USD and LRD, usually within three working days.

  2. 2

    Choose Your Plan

    Pick medical, life, or a combined plan and set your benefit classes. We adjust limits until the cover matches your budget.

  3. 3

    Enroll Your Team

    Upload your member list once and we issue digital cards. Dependants can be added at any point during the policy year.

  4. 4

    Start Claiming

    Members walk into a network provider and show their card. Anything outside the network is reimbursed after a simple submission.

For employers

How to enrol your employees:

  1. 1Complete the group application and confirm your chosen benefit classes.
  2. 2Send the member schedule: name, date of birth, role, class and dependants.
  3. 3Settle the first premium invoice in USD or LRD.
  4. 4Receive digital cards and your HR portal login within 48 hours.
  5. 5If an injury occurs resulting to permanent dismemberment, a lump sum is paid to the insured in accordance with the terms and agreement of the policy.

For employees

How to use your benefits:

  1. 1Save your digital medical card to your phone as soon as you receive it.
  2. 2Visit any hospital or clinic in the Medicare network and present the card.
  3. 3If an injury occurs resulting to permanent dismemberment, a lump sum is paid to the insured in accordance with the terms and agreement of the policy.
  4. 4If an injury occurs resulting to permanent dismemberment, a lump sum is paid to the insured in accordance with the terms and agreement of the policy.
  5. 5Call our member line any time you are unsure what your class covers.

Your digital medical card

Every member receives a card directly on their phone. This eliminates waiting for plastic cards to arrive and prevents lost cards when checking in at the hospital.

  • • Shows member name, policy number, benefit class and validity at a glance.
  • • Works offline once saved, so a weak network never delays treatment.
  • • Instantly reissued by HR if a phone is lost or an employee changes class.
  • • Providers verify the card with us in seconds before treatment begins.
Get a Quote
MICO

Member

Employee Name

Policy No.

MC-2026-00147

Class

B — Management

Employer

Company Name

Valid to

12 / 2026

Verification ID

MICO-00FH-DXCY

Scan the code, or read this ID to us to verify cover manually.

Ready to protect your workforce?

Tell us about your team and we'll build a plan that fits your budget and your people.

Request a Proposal