- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- (506) 4036 - 4620
It is our international plan that gives you a maximum coverage of USD $5,000,000, with free choice of hospitals and specialists outside the US and access to a select network of hospitals in the US (BMI USA Azure Network). It has been designed for those who require prompt attention due to their active lives and who require outpatient coverage, medical fees and hospital room.
General Information
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$5,000,000 |
| Waiting period | 30 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Worldwide |
| Hospital network | Free choice outside the US / BMI USA Azure Network in the US |
| Renewals | Guaranteed. No age limit |
| Elimination of deductible in case of hospitalization due to accident | Applies to deductible options I, II & III |
| Emergency medical treatment outside the BMI USA Azure Network | US$50,000 |
| Waiver of premium upon death or permanent & total disability of policyholder under 60 years old | 2 years |
Eligibility
• Residents of Latin America and the Caribbean. No age limit for issuance and renewal.
• 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 examination is required (the insurer reserves the right to waive the medical examination, according to a declaration of good health and / or evidence presented by the proposed insured)
Deductible Options
| I | II | III | IV | V | VI |
| 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 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.
Hospitalization Benefits
| Description | Coverage |
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| Laboratory tests and diagnostic services | 100% |
| Hospital room | 100% |
| Intensive care unit | 100% |
| Prescription Drugs | 100% |
| Stay for companion (Per day. Maximum 30 days) | US$150 |
Outpatient Benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Visits to physicians and specialists | 100% |
| Laboratory tests and diagnostic services | 100% |
| Medications after hospitalization or surgery or after 90 days (Maximum 90 days) | 100% |
| Prescription drugs non-related to hospitalization or surgery | US$30,000 |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$250 |
Maternity benefits
• 10 month waiting period. Available for deductibles I-II-III. Available for dependents
| Description | Coverage |
| Maternity (Deductible does not apply) | US$5,000 |
| Maternity complications (Deductible does not apply) | US$150,000 |
| Conditions diagnosed within the first 90 days of birth (Lifetime) | US$250,000 |
| Addition of newborn (Must send birth certificate within 90 days of birth) | Automatic |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$1,500 |
Other Benefits
| Description | Coverage |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Treatment for injuries as a result of participation in non-professional sports | 100% |
| Emergency room | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Congenital conditions (Diagnosed after 90 days of birth) | 100% |
| Nutritionist services | 100% |
| Local ambulance (Deductible does not apply) | 100% |
| Home nursing (Maximum 90 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ transplant (Lifetime) | US$1,000,000 |
| Medical benefit for organ resection from a donor | US$30,000 |
| Total and permanent disability of the holder | US$50,000 |
| Medical equipment, external prostheses and orthopedic devices | US$50,000 |
| Surgical treatment for symptomatic foot disorders (24 month waiting period) | US$1,500 |
| Autism | US$2,000 |
| Hearing aid (12-month waiting period. US$1,000 lifetime) | US$1,000 |
| Alzheimer's | US$50,000 |
| ROUTINE IMMUNIZATIONS UNDER 18 YEARS OLD per policy year, per child. A 12-month waiting period applies |
US$100 |
Additional Coverage Riders (Optional)
• Travel Assistance - Medical Emergency Transportation
• Term Life Insurance (US$50,000 or US$100,000)
Travel Assistance - Medical Emergency Transportation
*OPTIONAL.
TRAVEL ASSISTANCE BENEFIT:
• BMI will waive the deductible -up to US$5,000- in case of a medical emergency due to illness or accident while traveling outside the country of residence.
• The amount of deductible waived by BMI will be applied to the policy annual deductible.
• Follow-up visits will be covered as per policy benefits. The insured will be responsible for any remaining deductible until the annual deductible is reached.
EMERGENCY MEDICAL TRANSPORTATION BENEFITS:
| Air ambulance | 100% |
| Transportation expenses for accompanying family member when not allowed travel to the medical center in the air ambulance * |
US$1,000 |
| Living expenses for accompanying family member * | US$100 per day, maximum 5 days |
| Medical repatriation * | US$25,000 |
| Air ticket back to the country of residence (insured and companion) * | US$1,000 per person, per event |
| Airfare for companion if hospitalized (more than 5 days) during a trip | US$1,000 |
| Repatriation of mortal remains or cremation services | US$10,000 |
| Return of minor children due to policyholder’s death | US$1,000 per policy |
| *Following an air ambulance service | |
BMI Access
* INCLUDED AT NO ADDITIONAL COST.
The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.
The insured should only contact BMI Access to be assigned a Medical Coordinator, who will be their guide to coordinate any services or benefits available in their health policy.
BMI MD Live
* INCLUDED AT NO ADDITIONAL COST.
BMI MD Live is a telehealth service that provides access to a network of certified physicians via phone or video call to diagnose medical conditions, provide treatment plans, and prescribe medications if necessary.
Available 24/7 worldwide, this convenient service saves policyholders on medical expenses and helps prevent unnecessary visits to the emergency room or urgent care center.
Contact BMI Access to enjoy BMI MD Live:
bmiaccess@bmicos.com
Tel .: +1(305)665-4817
US Tel: 1-800-882-7796
Whatsapp: +1(829)760-3152
Application for: BMI Access
Coinsurance
Does not apply
Coinsurance within the network vive Costa Rica
Does not apply
Out-of-network coinsurance vive Costa Rica
Does not apply
Waiting period
Does not apply
Emergency coverage outside of Costa Rica
Does not apply
Supplements
Not applicable
• Information:
For medical visits and treatments outside of a hospital or states not included in this list, any provider in the Global Reach / Aetna network applies
• Red Azure BMI USA
• Global Network / Aetna
• International network
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