- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- 0800-200-20-20
It is our coverage plan for Latin America and the Caribbean with a coverage of US$500,000 and the possibility of increasing it to US$1,500,000. It offers you a free choice of hospitals and specialists, total and permanent disability coverage for the policy holder for US$50,000 and a term life insurance rider for US$50,000 or US$100,000.
General Information
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$500,000 |
| Waiting period | 60 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Latin America and the Caribbean |
| Hospital network | Freedom of choice |
| Renewals | Guaranteed. No age limit |
| Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
| Emergency medical treatment outside area of coverage | US$25,000 |
| Exemption of premiums for death or total and permanent disability of the holder | 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 who are single and reside with the policy holder until their 30th birthday. Dependents who study full-time outside the country of residence • until they are 24 years of age.
• 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 | VII |
| US$250 | 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% |
| Hospital room (Per day. Maximum 240 days) | US$400 |
| Intensive care unit (Per day. Maximum 240 days) | US$800 |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Laboratory tests and diagnostic services | 100% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Prescription Drugs | 100% |
| Treatment for injuries as a result of participation in non-professional sports | 100% |
| Congenital conditions | 100% |
| Hospital indemnity (Per day. Maximum 10 days) | US$100 |
Outpatient Benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$250 |
Maternity benefits
Other Benefits
| Description | Coverage |
| Complications of pregnancy (Ectopic pregnancy, spontaneous/not elective abortion, death of the embryo or fetus, hydatidiform) | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Home nursing (Maximum 30 days) | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Organ transplant (Lifetime) | US$500,000 |
| Medical benefit for organ resection from a donor | US$25,000 |
| Total and permanent disability of the holder | US$50,000 |
| Local ambulance (Deductible does not apply) | US$1,000 |
Additional Coverage Riders (Optional)
• Term Life Insurance (US$50,000 or US$100,000)
Travel Assistance - Medical Emergency Transportation
BMI Access
* INCLUDED AT NO ADDITIONAL COST.
• The BMI Access Service Center provides 24 × 7 assistance and exclusive benefits for all BMI health insured.
• 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 your health policy.
bmiaccess@bmicos.com
Tel .: +1(305)665-4817
US Tel: 1-800-882-7796
Whatsapp: +1(829)760-3152
Telemedicine
Telemedicine is a telehealth service that provides access to a network of board-certified physicians via telephone or video call. The doctors diagnose, provide treatment plans and prescribe medication when necessary, for a variety of non-emergency medical conditions.
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 the telemedicine service:
Tel .: +1(305)665-4817
US Tel: 1-800-882-7796
Whatsapp: +1(829)760-3152
Coinsurance
Coinsurance within the network vive Costa Rica
Out-of-network coinsurance vive Costa Rica
Waiting period
Emergency coverage outside of Costa Rica
Supplements
| Maximum coverage per insured (Per policy year) | US$1,500,000 |
| Hospital room and intensive care unit (Maximum 240 days) | 100% |
| Outpatient Service Includes: Outpatient chemotherapy, radiotherapy and dialysis Medications after hospitalization / outpatient surgery (90 days) Laboratory tests and diagnostic services Physical therapy, occupational therapy and language therapy due to illness or covered accident Treatment for injuries as a result of participation in non-professional sports Congenital conditions |
100% |
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