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What is the Mutual Reinsurance Fund (MRF) and what does it cover?

MRF is a fee that is legislated annually by Government, and payable by every employee and non-working spouse with active health insurance coverage. The Government’s Health Insurance Department administers the funds, which are collected by Insurers on Government’s behalf.

Prior to June 1st, 2019, these funds were used to support Government administered plans (HIP and Futurecare), for high dollar claims services provided by the Bermuda Hospital Board (BHB), such as those associated with kidney dialysis and transplants, as well as for funding operational costs of the BHB and the Bermuda Health Council.

Effective June 1st, 2019, this fee increased by more than 225%, in order to change the funding mechanism of the BHB from a fee-forservice model to a $330 million Government block grant.


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