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Meridian II

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.

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

• 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)

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.

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 person under 18 years of age (Per day) US$400

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$7,500
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) US$300

• 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

 

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$250 per year
Alzheimer's US$50,000

• 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*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

* 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.

* 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

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