BMI Financial Group Ⓒ 2024 - All Rights Reserved
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- Carrera 11 No 84A – 09 Office 903, Costado Sur, Bogotá DC
- +57(601)5187700
- BMI Colombia Life Insurance Company SA
Our MERIDIAN II health plan allows you to choose global medical treatment with free choice of global medical network.
Guaranteeing your peace of mind by providing the best medical services that will meet all your expectations, with unlimited benefits up to USD $7,000,000 and additional coverage such as Waiver of premiums for Death or Total and Permanent Disability of the Holder, benefit of total and permanent Disability for the insured Plan, Comprehensive Dental Plan, Preservation of umbilical cord stem cells up to USD $ 1,500, BMI ACCESS Program (a program for all health policyholders that provides permanent supervision and 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
• 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 that do not exceed the deductible, will be applied to the next period of the policy year.
• Elimination of the annual deductible for hospitalizations in Colombia. Applies to options I, II, III and IV.
• Elimination of the outpatient deductible in Colombia, applies to options I, II, III and IV.
Deductible Options
| I | II | III | IV | V |
| US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
Dental Assistance
COMPLETE WIDE PLAN:
This product covers comprehensive dental treatment with the following coverage:
• Oral Medicine • Prevention • Periodontics • Operative • Surgery (simple extractions) • Endodontics • X-rays • Emergencies.
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.
• 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:
| 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) U
S$7,000,000
| 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$400 |
Outpatient benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Chemotherapy, Radiotherapy and Dialysis | 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 outside the Country of Residence after Hospitalization or Surgery (Max. 90 days) | 100% |
| Medications in the Country of Residence | 100% |
| Medications outside the hospital and outside the country of residence not related to hospitalization or outpatient surgery per insured per policy year | US$7,500 |
| Routine Medical Check-up (Per insured, per policy year, waiting period 30 days) | US$500 |
| 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. Off grid in Colombia and outside of Colombia up to US$7,500 |
| Maternity Complications | 100% |
| Conditions diagnosed within the first 90 days of birth (Lifetime) | US$500,000 |
| 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 180 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ Transplantation (Lifetime) | US$1,500,000 |
| Medical Expenses for Resection of Donor Organs | US$50,000 |
| AIDS Treatment (Lifetime) | US$500,000 |
| Total and Permanent Disability of the Holder | US$50,000 |
| Bariatric Surgery (Lifetime. Waiting period of 2 years) | US$10,000 |
| Medical Equipment, External Prosthetics and Orthopedic Devices | US$50,000 |
| Sexually transmitted diseases | US$1,000 |
| Exemption of Premiums for Death or Total and Permanent Disability of the Holder | 2 years |
| Nutritionist Service | 100% |
| Surgical treatment for symptomatic foot disorders | US$ 2,500 |
| Autism | US$ 2,500 |
| alzahimer | US$ 50,000 per Insured, per Policy Year |
| Meridian II Hearing Aid | US$ 1,500 Lifetime |
Conditioned and Annexes
Deductible:
Conditional Meridian II Policy deductible USD $ 1,000 and USD $ 2,500
Conditional Policy Meridian II deductible USD $5,000
Conditional Policy Meridian II deductible USD $ 10,000
Conditional Policy Meridian II deductible USD $ 20,000
Annexes:
Annex Conditional Policy Meridian II Total and Permanent Disability ITP
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