Health is the most important thing, but it can also be one of the biggest concerns when unexpected medical expenses arise. That's why having a health insurance policy is much more than financial support: it's peace of mind and access to quality medical care right when you need it most. But do you really know how a health insurance policy works?
What is a health insurance policy?
A health insurance policy is a contract between you and an insurance company, in which the insurer agrees to cover medical costs that may arise from illnesses, accidents, surgeries, treatments, or consultations, according to the benefits and limits you selected when you purchased the policy.
In return, you pay a periodic amount (monthly, quarterly, or annually) called a premium.
What does a health insurance policy cover?
Coverage depends on the plan you choose. At BMI, for example, we offer different options so you can find the level of protection that best suits you and your family. These policies can cover:
• General and specialized medical consultations
• Laboratory tests and diagnostic images
• Hospitalization and surgeries
• Emergencies
• Medications
• Care in high-level clinics
• Free choice of medical network and much more
How do you use a health insurance policy?
1. Choose your medical network: You can check the available medical network on our new website and choose which health center or specialist to visit. Find out more here. https://redmedica.bmicos.com/Colombia
2. Request the service: Whether it's a medical appointment, surgery, or an emergency, you access the services you need according to your plan. In many cases, you don't need to pay immediately; the insurance company handles the payment directly.
3. You pay only what you owe: Depending on your plan, you may have to cover a small percentage of the service (copayment), but your policy covers the rest.
What if I already have prepaid medicine or a supplemental plan?
Many of our policyholders have decided to switch to BMI because they're looking for more freedom, better coverage, and reliable support. A health insurance policy offers you broader benefits, without the limitations that other models sometimes have.
A health insurance policy isn't an expense; it's an investment in your well-being and that of those you love most. Because when it comes to your health, the last thing you should have to worry about is worry.
Discover our health plans here https://www.bmicos.com/colombia/categoria-producto/salud/
