BMI Financial Group Ⓒ 2024 - All Rights Reserved
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Our IDEAL health plan allows you to choose worldwide medical treatment with free choice of medical network and our specialized Azure network in the US.
Guaranteeing your peace of mind by providing the best medical services with benefits of up to USD $500,000 and a basic coverage addendum up to USD $1,500.00; additional coverage such as Waiver of premiums for Death or Total and Permanent Disability of the Holder, Total and Permanent Disability benefit for the main insured, Preventive and emergency Dental Plan, BMI ACCESS Program (a program for all health insured that provides supervision and permanent assistance from a BMI Medical Coordinator who guides access to all benefits) and Travel 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.
• In case of an accident in country of residence in which one or more family members suffer injury only one deductible per policy year will apply.
• Expenses incurred during the last 90 days of the policy year not exceeding the deductible will be applied to the next policy year period.
• 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 deductible for hospitalization in Colombia in Network in options I, II, III and IV.
• Elimination of the deductible for outpatients in Colombia en Red in options I, II, II and IV.
Dental Assistance
EMERGENCY + PREVENTION PLAN:
It covers the expenses incurred as a result of requiring preventive and emergency dental treatments, understanding as such any unexpected or sudden occasion that requires urgent or urgent dental care and that originates procedures or services covered to treat the following treatments:
Prevention Coverage:
• Oral Medicine.
• Emergency Clinical Examination (Diagnosis, Prognosis and Treatment Plan).
• Periodontics.
• Prevention.
• Surgery (simple extractions).
Emergency Coverage:
• Restorative and Operative.
• Surgery.
• X-rays.
• Emergencies.
• Initial treatment and medication.
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
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Additional coverage annex (optional)
Travel Assistance Service
• 100% coverage for medical emergencies due to illness or accident that occurred outside the country of residence.
• Insureds with deductibles from US$1,000 to US$5,000: they will have a copayment of US$100 and the balance of the bill will be paid to 100% by BMI up to the limit of the policy.
• Insureds 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 | US$10,000 |
| 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. | |
ADDITIONAL BASIC COVERAGE (Optional)
Annex of basic health coverage up to USD $1,500,000 per insured, per policy year with additional premium charge.
Hospitalization benefits
MAXIMUM COVERAGE PER INSURED (PER POLICY YEAR) US$500,000
| Description | Coverage |
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| Room and Board (Maximum 240 days) | 100% |
| Intensive Care Unit (Maximum 240 days) | 100% |
| Chemotherapy, Radiotherapy and Dialysis | 100% |
| Consultations, Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| Prescription Drugs | 100% |
| Dangerous Sports (Amateur) | 100% |
| Stay for Companion (Per day) | US$100 |
Outpatient benefits
| Description | Coverage |
| Outpatient Service (Maximum US$10,000) Automatically includes: Consultations, Laboratory, X-Rays, Magnetic Resonances, TAC and Ultrasounds, Physiotherapy, Dangerous Sports (Amateur). |
100% |
| Chemotherapy, Radiotherapy and Dialysis in the country of residence | 100% |
| Chemotherapy, Radiotherapy and Dialysis outside the country of residence | 100% |
| Psychiatric, Psychological and Neuropsychology consultations (up to 15 consultations per user year) | US$400 |
| Prescription Drugs | 100% for 30 days for medications after hospitalization or outpatient surgery US$5,000 for drugs not related to hospitalization or outpatient surgery |
| Ambulatory surgery | 100% |
| Routine Medical Checkups (Per person, per checkup, per policy year, waiting 12 months) | US$150 |
| Home Medical Visit | 100% |
Maternity benefits
| AVAILABLE FOR DEDUCTIBLES US$1,000 - US$2,500. AVAILABLE FOR DEPENDENT DAUGHTERS | |
| Description | Coverage |
| Maternity (Deductible does not apply) | 100% in Colombia within the Network, for each pregnancy. Outside the Network in Colombia and outside Colombia up to US$ 2,500. |
| Maternity complications in Colombia within the Network for each pregnancy | 100% |
| Maternity complications outside of Colombia | US$100,000 |
| Conditions diagnosed in the first 90 days of the Newborn * (Lifetime) | US$10,000 |
| *Not related to congenital conditions. | |
Other Benefits
| Description | Coverage |
| Emergency Dental Treatment (No deductible) | 100% |
| Congenital Conditions (Diagnosed before 18 years of age. Lifetime) | US$100,000 |
| Congenital Conditions (Diagnosed after 90 days of birth) | 100% |
| Home Nurse (Maximum 30 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ Transplantation (Lifetime) | US$300,000 |
| Medical Expenses for Resection of Donor Organs | US$25,000 |
| AIDS Treatment (Lifetime) | US$100,000 |
| Total and Permanent Disability of the Holder | US$10,000 |
| Local Ambulance | US$1,000 |
| Sexually transmitted diseases | US$1,000 |
| Medical Equipment, External Prosthetics and Orthopedic Devices | US$25,000 |
| Exemption of Premiums for Death or Total and Permanent Disability of the Holder | 2 years |
| Out-of-Network Medical Treatment for Accidents and Emergencies | US$50,000 |
| Surgical Treatment for symptomatic disorders of the feet (24 month waiting period) | US$1,000 |
| Autism | US$1,000 |
| Alzahimer: per Insured, per Policy Year | US$25,000 |
| hearing aid | US$500 Lifetime |
Conditioned and Annexes
Deductible
Conditional Ideal Policy deductible USD $ 1,000 and USD $ 2,500
Conditional Ideal Policy deductible USD $ 5,000, USD $ 10,000
Conditional Policy Ideal deductible USD $ 20,000
Annexes:
Conditional Annex Ideal Policy Total and Permanent Disability ITP
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BMI Financial Group Ⓒ 2024 - All Rights Reserved
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