BMI Financial Group Ⓒ 2024 - All Rights Reserved
Developed by
- Carrera 11 No 84A – 09 Office 903, Costado Sur, Bogotá DC
- +57(601)5187700
- BMI Colombia Life Insurance Company SA
Our AZURE PLUS health plan allows you to opt for worldwide medical treatment with a free choice of medical network and our specialized Azure network in the US.
Guaranteeing your peace of mind by providing the best medical services that will cover all your expectations, with benefits of up to USD $5,000,000 and additional coverages such as Exemption of premiums for Death or Total and Permanent Disability of the Holder, total and permanent Disability benefit for the insured main, Dental Plan, Preservation of umbilical cord stem cells up to USD $ 1,500, BMI ACCESS Program (a program for all health insured that provides the permanent supervision and assistance of a BMI Medical Coordinator who guides access to all benefits ) and Traveler assistance. If you want to know more about this product please contact us.
Eligibility
• Residents in Colombia, up to 70 years of age. No age limit for renewal.
• Dependent children up to their 18th birthday or who are single and reside with the policy holder until their 30th birthday.
• Medical Exam is required for all proposed insureds age 65 and over.
Deductible Options
| I | II | III | IV | V |
| US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
• Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
• Applies only one deduction per family, per policy year, in case of joint accident in the country of residence.
• Expenses incurred during the last 90 days of the policy year that do not exceed the deductible, will be applied to the next period of the policy year.
• Elimination of the annual deduction for hospitalizations in Colombia. Applies for options I, II, III and IV.
• Elimination of the deductible for outpatient in Colombia en Red, applies for options I, II, III and IV.
Elimination of the deductible for hospitalization as a result of an accident, applies for options I and II.
Dental Assistance
BASIC BROAD PLAN:
It covers comprehensive dental treatment with the following coverage:
• Oral Medicine • Operative • Prevention • Surgery (Simple extractions) • Periodontics • Emergency
If the insured requires treatments or services that are not included in the coverage, they may request it directly from the specialist dentists in the network, who will make a discount between a 10% and a 30% with respect to their normal rates, the insured having to pay all the costs that are generated by said treatments not covered.
BMI Access Program (Included at no additional cost)
BMI Access is a program for all health insured that provides the permanent supervision and assistance of a BMI Medical Coordinator who guides access to all benefits:
• SAFE DIAGNOSIS
• MEDICAL APPOINTMENTS
• TRANSPORT SERVICE
• HOSPITALIZATION SERVICE
• EMERGENCY TRANSFER
• MEDICINES
• LODGING SERVICE
• SPECIAL SERVICES
• MEDICAL PASSPORT
Temporary emergency coverage
US$25,000 for covered medical expenses as a result of accidental bodily injury from the date the application and premium are received until whichever occurs first:
(i) Effective date of the policy or
(ii) 60 days from the date the request is received by BMI.
Additional coverage annex (optional)
Shipping Assistance Service
• 100% coverage for medical emergencies due to illness or accident that occurred outside the country of residence.
• Insured with deductibles of US$1,000 up to US$5,000: they will have a copayment of US$100 and the balance of the invoice will be paid to 100% by BMI up to the policy limit.
• Insured with deductibles of US$10,000 or US$20,000: they will have a copayment of US$100 for the first US$5,000 in medical expenses. Expenses greater than US$5,000 will be paid based on the benefits of the policy.
| Profits: | |
| Air Ambulance * | 100% |
| Repatriation of Mortal Remains | 100% |
| Medical Repatriation | US$25.000 |
| Return of Minors | US$1.000 |
| Companion Transportation * | US$1.000 |
| Companion stay US$100 per day, maximum 5 days | |
| * Inside and outside the Country of Residence. | |
Hospitalization benefits
MAXIMUM COVERAGE PER INSURED (PER POLICY YEAR) US$5,000,000
| Description | Coverage |
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Private Room and Food | 100% |
| Intensive care unit | 100% |
| Chemotherapy, Radiotherapy and Dialysis | 100% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| Prescription Drugs | 100% |
| Stay for Companion (Per day) | US$100 |
Outpatient benefits
| Description | Coverage |
| Ambulatory Surgery in Azure Plan Provider Network | 100% |
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Chemotherapy, Radiotherapy and Dialysis in Azure Plan Provider Network | 100% |
| Consultations, Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Psychiatric, Psychological and Neuropsychology consultations (up to 15 consultations per user year) | US$400 |
| Physiotherapy | 100% |
| Medications after Hospitalization or Surgery (Max. 90 days) | 100% |
| Medications in the Country of Residence | US$15,000 |
Maternity benefits
| AVAILABLE FOR DEDUCTIBLES US$1,000 - US$2,500. AVAILABLE FOR DEPENDENT DAUGHTERS | |
| Description | Coverage |
| Maternity (Deductible does not apply) | 100% in Colombia within the network, for each pregnancy. Off-grid in Colombia and outside of Colombia up to US$5,000 |
| Maternity Complications | US$150,000 |
| Conditions diagnosed within the first 90 days of birth (Lifetime) | US$250,000 |
| Umbilical Cord Stem Cell Preservation (No deductible. Per newborn) | US$1,500 |
Other Benefits
| Description | Coverage |
| Hospice or End of Life Care | 100% |
| Dangerous Sports (Amateur) | 100% |
| Emergency room | 100% |
| Emergency Dental Treatment (No deductible) | 100% |
| Congenital Conditions (Diagnosed after 90 days of birth) | 100% |
| Local Ambulance | 100% |
| Home Nurse (Maximum 90 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ Transplantation (Lifetime) | US$1,000,000 |
| Medical Expenses for Resection of Donor Organs | US$30,000 |
| AIDS Treatment (Lifetime) | US$300,000 |
| Total and Permanent Disability of the Holder | US$50,000 |
| Medical Equipment, External Prosthetics and Orthopedic Devices | US$50,000 |
| Sexually transmitted diseases | US$1,000 |
| Exemption of Premiums for Death or Total and Permanent Disability of the Holder | 2 years |
| Medical Treatment for Accidents and Emergencies outside the Azure Plus Network in the United States | US$50,000 |
| Nutritionist Service | 100% |
| Surgical Treatment for symptomatic disorders of the feet (24 month waiting period) | US$ 1,500 |
| Autism | US$2,000 |
| Alzahimer (per Insured, per Policy Year) | US$50,000 |
| hearing aid | US$ 1,000 Lifetime |
Conditioned and Annexes
Deductible
Conditional Deductible Azure Plus Policy USD $ 1,000 and USD $ 2,500
Conditional Deductible Azure Plus Policy USD $ 5,000
Conditional Deductible Azure Plus Policy USD $ 10,000
Conditional Deductible Azure Plus Policy USD $ 20,000
Annexes:
Conditioned Annex Azure Plus Total and Permanent Disability ITP Policy
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BMI Financial Group Ⓒ 2024 - All Rights Reserved
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