- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- (506) 4036 - 4620
It is our international health plan that provides coverage of USD $7,000,000, allows you to increase the amount insured through Meridian Plus. It has been designed to offer you a free choice of hospitals and specialists around the world through our extensive network of providers. It has hospitalization without deductible, local ambulance, total and permanent disability of the holder.
General Information
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$7,000,000 |
| Waiting period | 30 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Worldwide |
| Hospital network | Freedom of choice |
| Renewals | Guaranteed. No age limit |
| Elimination of the deductible for hospitalization inside and outside the country of residence (Except in the US) |
Applies to deductible options I, II & III |
| 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 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 (Including private) | 100% |
| Intensive care unit | 100% |
| Prescription Drugs | 100% |
| Accompanying stay (per day) | US$400 |
Outpatient Benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Visits to physicians and specialists | 100% |
| Laboratory tests and diagnostic services | 100% |
| Prescription drugs in country of residence | 100% |
| Prescription drugs outside country of residence after hospitalization or ambulatory surgery (Maximum 90 days) | 100% |
| Medications outside the country of residence not related to hospitalization or surgery or after 90 days | US$100,000 |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$300 |
Maternity benefits
• 10 month waiting period. Available for deductibles I-II-III. Available for dependents
| Description | Coverage |
| Maternity (Deductible does not apply) | US$7,500 |
| Maternity complications (Deductible does not apply) | 100% |
| Conditions diagnosed within the first 90 days of birth (Lifetime) | US$500,000 |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$1,500 |
Other Benefits
| Description | Coverage |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Treatment for injuries as a result of participation in non-professional sports | 100% |
| Emergency room | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Congenital conditions (Diagnosed after 90 days of birth) | 100% |
| Nutritionist services | 100% |
| Local ambulance (Deductible does not apply) | 100% |
| Home nursing (Maximum 180 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ transplant (Lifetime) | US$1,500,000 |
| Medical benefit for organ resection from a donor | US$50,000 |
| Aids treatment (Lifetime) | US$500,000 |
| Medical equipment, external prostheses and orthopedic devices | US$50,000 |
| Total and permanent disability of the holder | US$50,000 |
| Surgical treatment for symptomatic foot disorders (24 month waiting period) | US$2,500 |
| Autism | US$2,500 |
| Hearing aid (12-month waiting period. US$1,500 lifetime) | US$1500 |
| Alzheimer's | US$50,000 |
| Routine Immunizations under 18 years of age (12 month waiting period) | US$100 |
Additional Coverage Riders (Optional)
• Meridian II Plus
• Travel Assistance - Medical Emergency Transportation
• Term Life Insurance (US$50,000 or US$100,000)
Meridian II Plus OPTIONAL Annex
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$10,000,000 |
| Hospital room charges for companion of hospitalized dependent under 18 years old | 100% |
| Outpatient Medications in the United States | 100% |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$500 |
| Routine immunizations for dependents under age 18 (No deductible. Waiting period 12 months. Automatic for dependents born under a covered maternity) |
US$150 |
| Maternity outside the USA (Deductible does not apply) | 100% |
| Maternity inside the USA (Deductible does not apply) | US$10,000 |
| Conditions diagnosed within the first 90 days of birth | 100% |
| Circumcision of the newborn in the hospital (No deductible. Per newborn) | US$500 |
| Home Nursing | 100% |
| Hospice or terminal care | 100% |
| Organ transplant (Lifetime) | US$2,500,000 |
| Medical equipment, external prostheses and orthopedic devices | 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
Not applicable
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