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 executive plan is a collective insurance solution designed for groups of 5 or more people that allows them to opt for global 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 that will meet all your expectations, with benefits of up to USD $2,000,000 and our exclusive BMI Access program (a program for all health insured that provides the supervision and permanent assistance of a BMI Medical Coordinator who guides access to all the benefits). If you want to know more about this product please contact us.
Some of our benefits are:
• Extensive coverage designed to meet international health care needs.
• Product options for family groups with a legal policyholder from 5 or more members with affinity.
• Rate designed according to age and benefit for children under 24 years of age.
• Coverage of pre-existing conditions.
• Different options inside and outside our network with the possibility of reimbursement.
• Optional coverage and annexes.
• Different deductible options.
• Maternity benefit and preservation of stem cells.
Brochure Health Policy Executive Plan
Conditioned Health Policy Executive Plan
Annexes:
• Annex of Medical Emergency Air Transportation
• Annex of Air Transportation for Medical Emergency and Repatriation
Our executive plan is a collective insurance solution designed for groups of 5 or more people that allows them to opt for global 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 that will cover all your expectations, with benefits of up to USD $2,000,000 and our exclusive BMI Access program.
• Residents in Colombia.
• Requires a minimum of 5 employees per group policy, who must be on active duty and work full time for the employer.
• Maximum age of registration up to 69 years. No age limit for renewal while the group is in force.
• Dependent children up to their 18th birthday or if they are single and residing with the policyholder up to their 30th birthday. Dependents studying full-time outside their country of residence until their 24th birthday.
• Medical Exam is required for all proposed insureds age 65 and over.
| I | II | III | IV | V | VI | VII |
| Outside the US US$ 0 In the USA US$ 500 |
US$500 | US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
• Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
• In case of an accident in country of residence deductible does not apply.
• Expenses incurred during the last 90 days of the policy year that do not exceed the deductible, will be applied to the next period of the policy year.
• Declared pre-existing conditions will be covered unless they have been permanently excluded on the insurance certificate.
• Coverage of US$ 15,000 for groups of 5 to 20 employees, with a waiting period of 12 months.
• Coverage of US$ 30,000 for groups of 21 or more employees with a waiting period of 6 months.
100% coverage for accidents and infectious diseases from the effective date with a 60-day waiting period for any other covered condition.
BMI Access is a program for all health insured that provides the permanent supervision and characteristic of a BMI Medical Coordinator who will guide access to all benefits.
Travel Assistance Annex
• 100% coverage for medical emergencies due to illness or accident that occurred outside the country of residence.
• Insured with deductibles from US$ 500 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 deductions 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.
| Ambulance Air * 100% |
Repatriation of Remains Deadly US$10,000 |
Repatriation Medical US$25,000 |
Return juvenile US$1,000 |
| Companion Transportation * US$1,000 |
Companion stay US$100 per day, maximum 5 days * Inside and outside the Country of Residence. |
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Annex of Air Transportation for Medical Emergency and Repatriation
| Benefits | Air Ambulance * 100% |
Repatriation of Mortal Remains US$10,000 |
Medical Repatriation US$25,000 |
* Inside and outside the Country of Residence. |
Medical Emergency Air Transportation Annex
| Benefits | Ambulance Air * 100% |
Dental Care Addendum
• Coverage within the country of residence, by reimbursement.
• Waiting period 6 months.
• A deductible of US$50 per person, per policy year applies.
| Benefits | Maximum coverage per Insured (By policy year) US$2,000 |
Preventive: Oral Exam, Routine Cleaning, Simple X-rays. 100% |
| Orthodontics (For dependents until 18 years old) 80% |
Restorative: Fillings, Extractions, Crowns, Bridges, Endodontics, Root Canal Treatment. 80% |
Visual Care Annex
• Coverage within the country of residence, by reimbursement.
• Waiting period 6 months.
| Benefits | Maximum coverage per Insured (By policy year) US$500 |
Exam Ophthalmological routine 100% |
Lenses, frames and contact lenses |
MAXIMUM COVERAGE PER INSURED (PER POLICY YEAR) US$2,000,000
| HOSPITALIZATION BENEFITS | |
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Room and Food | 100% |
| Intensive care unit | 100% |
| Chemotherapy, Radiotherapy and Dialysis | 100% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| AMBULATORY BENEFITS | |
| Ambulatory surgery | 100% |
| Chemotherapy, Radiotherapy and Dialysis | 100% |
| Visits to Doctors or Specialists | 80% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 80% |
| Physiotherapy | 80% |
| Routine Medical Checkups (No deductible. Holder and spouse) | US$200 |
| Routine Immunizations for dependents under 18 years of age (No deductible) | US$100 |
| PRESCRIPTION DRUGS | |
| Medications during Hospitalization | 100% |
| Medications after Hospitalization or Ambulatory Surgery (Maximum 90 days) | 100% |
| Outpatient Medications not related to Hospitalization or Outpatient Surgery | US$1,000 |
| MATERNITY BENEFITS | |
| AVAILABLE FOR DEDUCTIBLES I - II - III - IV | |
| Maternity (Deductible does not apply) | US$5,000 |
| Maternity Complications | US$100,000 |
| Conditions diagnosed in the first 90 days of the Newborn * (Lifetime) | US$10,000 |
| Umbilical Cord Stem Cell Preservation (No deductible. Per newborn) | US$1,500 |
| OTHER BENEFITS | |
| Hospice or End of Life Care | 100% |
| Emergency room | 100% |
| Emergency Dental Treatment (No deductible) | 100% |
| Home Nurse (Maximum 30 days) | 100% |
| Organ Transplantation (Lifetime) | US$500,000 |
| Medical Expenses for Organ Resection from a living donor family member | US$15,000 |
| Congenital Conditions (Diagnosed before 18 years of age. Lifetime) | US$250,000 |
| Congenital Conditions (Diagnosed after age 18) | 100% |
| AIDS Treatment (Lifetime) | US$100,000 |
| Intraoperative prostheses | 100% |
| Medical Equipment, External Prosthetics and Orthopedic Devices | US$5,000 |
* Not related to Conditions
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