- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- (506) 4036 - 4620
5/5
Ideal
It is our international health plan, with a maximum coverage of US$500,000 with the possibility of expanding it to US$1,500,000 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, medical fees, and medications.
General Information
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$500,000 (US$2,000,000 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 |
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 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 |
100%
|
| Prescription drugs non-related to hospitalization or surgery | US$5,000 |
| 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$2,000,000
• Travel Assistance / Emergency Medical 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
Does not apply
Information
• Information:
Ideal Brochure Plan
1 file(s) 528 KB
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
General Conditions
Adjuncts
Ideal Low Deductible Plan - Term Life Insurance Supplement
1 file(s) 230 KB
Ideal Low Deductible Plan - Travel Assistance Addendum
1 file(s) 170 KB
Ideal High Deductibles Plan - Term Life Insurance Supplement
1 file(s) 197 KB
Ideal High Deductibles Plan - Travel Assistance Addendum
1 file(s) 170 KB
Contact Us
BMI Costa Rica
- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- +[506] 4036-4620
- +[506] 2228-6069
- +[506] 2228-6032
- insurancesbmi@bmicos.com
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