It is our international health plan that gives you a maximum coverage of US$1,000,000, which has been designed for those who require very good medical care at an affordable price according to their lifestyle and budget. It offers you a free choice of hospitals and specialists outside the US and a select network of hospitals under the BMI USA Azure Network. It has coverage for medical and surgical services, medical fees and outpatient surgery.

General Information

Description Coverage
Maximum coverage per insured (Per policy year) US$1,000,000
Geographic coverage Worldwide
Hospital network International Network in Latin America / BMI USA Azure Network in the US
Renewals Guaranteed. No age limit
Out-of-network emergency medical treatment US$25,000


• 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

Within Latin America US$250 US$500 US$, 1000 US$5,000
Outside Latin America US$1,000 US$2,500 US$5,000 US$10,000


Hospitalization Benefits

Description Coverage
Medical and surgical charges 100%
Physician fees 100%
Laboratory tests and diagnostic services 100%
Hospital room in Latin America (Maximum stay 180 days) 90%
Hospital room outside of Latin America (Maximum stay 180 days) US$850 daily
Prescription Drugs 100%
Intensive care unit (Maximum stay 180 days) 100%

Outpatient Benefits

Description COVERAGE
Ambulatory surgery 100%
Visits to physicians and specialists 100%
Laboratory tests and diagnostic services 100%
Medications after hospitalization or surgery (Maximum 90 days) 100%
Routine medical check-ups (No deductible. Holder and spouse) US$150

Maternity benefits


Description Coverage
Maternity (Deductible does not apply) US$4,000
Maternity complications US$25,000
Birth complications US$25,000
Congenital conditions before turning 18 years of age (Born under covered maternity US$100,000
Congenital conditions after turning 18 years of age (Born under covered maternity) US$1,000,000
** Not related to congenital conditions

Other Benefits

Description Coverage
Chemotherapy, radiotherapy and dialysis 100%
Reconstructive surgery due to illness US$25,000
Physical therapy, occupational therapy and speech therapy for covered illness or accident (Max. 20 sessions) US$50 per session
Treatment for injuries as a result of participation in non-professional sports 100%
Emergency room 100%
Dental treatment by accident US$25,000
Local ground ambulance (By event) $1,500
Prescribed medications not related to hospitalization or outpatient surgery US$15,000
Home nursing (Maximum 30 days) 100%
Intraoperative prostheses 100%
Organ transplant (Lifetime) US$250,000
Medical equipment, external prostheses and orthopedic devices US$10,000
Congenital diseases US$5,000

Additional Coverage Riders (Optional)

• Travel Assistance / Emergency Medical Transportation

• Term Life Insurance (US$50,000 or US$100,000)

Travel Assistance - Medical Emergency Transportation




• 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.



Air ambulance US$50,000 lifetime
Transportation expenses for accompanying family member when not allowed
travel to the medical center in the air ambulance *
Living expenses for accompanying family member * US$100 per day, maximum 5 days
Medical repatriation * US$10,000
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



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 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:


Tel .: +1(305)665-4817
US Tel: 1-800-882-7796
Whatsapp: +1(829)760-3152
Application for: BMI Access


Within Latin America 0%
Outside Latin America 20% of the first US$5,000


Coinsurance within the network vive Costa Rica

Does not apply

Out-of-network coinsurance vive Costa Rica

Does not apply

Waiting period

• 90-day waiting period. No waiting period for accidents and infectious diseases from the effective date.

• 6 months for: Tonsillotomy.

• 10 months for: Maternity and maternity complications.

• 12 months for: Hernias of any kind, whether due to illness or accident, organ transplant, medical check-up; expenses, treatments and procedures related to diseases of the uterus, ovaries, pelvic floor, endometriosis and fibrosis, cysts and / or breast tumors; expenses, treatments and procedures related to gallstones, bile ducts, kidney and urinary tract; expenses, treatments and procedures related to osteoarthritis, spondylosis, herniated discs and any other disease or spinal injury, regardless of whether they occur due to accident or emergency.

• 18 months for: Cataract and Glaucoma.

Emergency coverage outside of Costa Rica

Does not apply


Does not apply


• Information:

• Essential Network - Suppliers


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.

• Global Reach / Aetna Network
• Red Azure BMI USA
• International network

Tarjeta MAS
Tarjeta MAS
BMI Access
BMI Access

General Conditions


BMI-Logos_Costa Rica

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