Flexi Plan III Latin America

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


• 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

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



• 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.


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



Coinsurance within the network vive Costa Rica

Out-of-network coinsurance vive Costa Rica

Waiting period

Emergency coverage outside of Costa Rica


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


• Information:

Tarjeta MAS
Tarjeta MAS
BMI Access
BMI Access

General Conditions


BMI-Logos_Costa Rica

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