It is our international health plan, with a maximum coverage of US$500,000 with the possibility of expanding it to US$2,000,000 that gives you free choice of hospitals and specialists outside the US and access to a select network of hospitals in the US , under the BMI USA Azure Network. It has coverage for outpatient surgery, doctor fees and medications.

General Information

Description Coverage
Maximum coverage per insured (Per policy year) US$500,000 (US$3,000,000 optional)
Waiting period 30 days / Immediate coverage for accidents and infectious diseases
Geographic coverage Worldwide
Hospital network Freedom of choice outside the USA / BMI USA Ideal Network in the USA
Renewals Guaranteed. No age limit
Emergency medical treatment outside the Ideal BMI USA Network US$50,000
50% deductible reduction in case of hospitalization in country of residence Applies to deductible options I, II & III
Emergency medical treatment outside area of coverage US$50,000
Waiver of premium upon death or permanent & total disability of policyholder under 60 years old 2 years


• 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

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 that do not exceed the deductible will be applied to the next period
of the policy year.

Hospitalization Benefits

Description Coverage
Medical and surgical charges 100%
Physician fees 100%
Laboratory tests and diagnostic services 100%
Hospital room (Maximum 240 days) 100%
 Intensive care unit (Maximum 240 days) 100%
Prescription Drugs 100%
Stay for companion (Per day. Maximum 30 days) US$150

Outpatient Benefits

Description COVERAGE
Ambulatory surgery 100%
Outpatient services (Maximum US$10,000)Includes: Visits to doctors and specialists
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
Prescription drugs non-related to hospitalization or surgery US$20,000
Medications after hospitalization or surgery (Maximum 30 days) 100%
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) US$150

Maternity benefits

• 10 month waiting period. Available for deductibles I-II-III. Available for dependents


Description Coverage
Maternity (Deductible does not apply) US$2,500
Maternity complications US$100,000
Conditions diagnosed in the first 90 days of the Newborn within the country of residence** (Lifetime) US$100,000
Conditions diagnosed in the first 90 days of the Newborn outside the country of residence** (Lifetime) US$10,000
** Not related to congenital conditions

Other Benefits

Description Coverage
Chemotherapy, radiotherapy and dialysis 100%
Cancer risk reduction surgery (Prophylactic surgery) 100%
Reconstructive surgery due to illness 100%
Dental treatment due to accident (Deductible does not apply) 100%
Home nursing (Maximum 30 days) 100%
Intraoperative prostheses 100%
Local ambulance (Deductible does not apply) 100%
Congenital conditions (Diagnosed before age 18. Lifetime) US$100,000
Congenital conditions (Diagnosed from age 18) 100%
Organ transplant (Lifetime) US$300,000
Medical benefit for organ resection from a donor US$25,000
Permanent & total disability of policyholder under 60 years old US$10,000
Medical equipment, external prostheses and orthopedic devices US$25,000
Surgical Treatment for Disorders: Symptomatic of the Feet.- per Insured, per Policy Year. A 24-month waiting period applies US$1,000
Hearing Aid (12-month waiting period. Lifetime per insured) US$500
Alzheimer's US$25,000
Autism US$1,000
Routine Immunizations under 18 years of age (12 month waiting period) US$100

Additional Coverage Riders (Optional)

• Maximum Coverage per Insured (Per policy year) US$3,000,000

• 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 100%
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$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



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


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


Does not apply


• 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

• Ideal Network BMI USA
• Global Reach / Aetna Network
• International network

Tarjeta MAS
Tarjeta MAS
BMI Access
BMI Access

General Conditions


BMI-Logos_Costa Rica

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