If a person is refused coverage by two or more insurers, that person becomes an uninsurable person under the law. That person may then make application for coverage with CINICO (Cayman Islands National Insurance Company) – an independent, government-owned insurer established to provide health insurance for those persons unable to obtain coverage either for health reasons or financial reasons.
This person is still encouraged to seek coverage wherever possible and to reapply with their employers group plan if eligible at a later date (for example: if a person is denied due to being overweight and the extra weight is lost and kept off, the employee may usually reapply after a prescribed period of time.)