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Major medical expenses

・This product may be contracted by those who reside in the Dominican Republic and whose age does not exceed 65 years.・Age of permanence: - Major Medical Expenses Individual up to 99 years old - Major Medical Expenses Collective up to 70 years.

Coverage for medical emergencies due to illness or accident up to USD 10,000 anywhere in the world according to the costs of the place of occurrence. This benefit applies to pleasure or business trips, whose maximum duration does not exceed 30 days (Does not apply pre-existing coverage) * USD 150 deductible applies

The product allows access to the coordination of benefits between the contracted coverage and another current plan, through BMI or another insurance alternative on the market, without exceeding the 100% of the expenses incurred.

To provide the best care, we have an excellent network of Hospitals and Clinics throughout the Dominican Republic, where we offer hospitalization and surgery services. The BMI network can be consulted on our website: Dominican Republic Network

Our Major Medical Expenses Plan allows you to enjoy the highest coverage in the market with free choice of doctors, as long as they have the proper accreditation to practice medicine in recognized specialties.

Maximum limit per illness, per insured USD 500,000
illness period 365 days
Claims submission period 120 days
Waiting period for any non-accidental illness or infectious disease 90 days
Waiting period for appendicitis and cholecystitis Not applicable
Exemption of premiums due to the death of the holder 3 years

Daily room and meals after applying the deductible 100%
Intensive care unit 100%
Maximum days of hospitalization 240 days
Copayment for hospitalization outside the service network (company / owner and/or dependent) 80% / 20%

After applying the deductible. 100%

Maximum limit for the maternity benefit, after applying the deductible 100%
Maximum limit for maternity complications, after applying the deductible USD 50,000
Maximum coverage limit for the newborn, after applying the deductible USD 50,000
Waiting period for the maternity benefit, maternity complications, coverage for the newborn, after the deductible has been applied. 1 year

Maximum limit for transplants (lifetime) USD 150,000

Maximum limit per trip, per insured USD 10,000
Deductible per trip, per insured USD 150
Maximum days per trip 30 days
* This benefit is provided abroad by MULTI ASSISTANCE SERVICES and does not apply to pre-existing conditions

DEDUCTIBLES OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5 OPTION 6
Deductible for disability / illness N/A N/A $5,000 $10,000 N/A N/A
Group sickness deductible $3,000 $4,000 $5,000 $10,000 $15,000 $20,000
* All coverages apply once the deductible has been covered

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