BMI Financial Group Ⓒ 2024 - All Rights Reserved
Developed by 
- Acropolis Business Mall, Level 15, Ensanche Piantini, Santo Domingo, Dominican Republic.
- (809) 562-6660
- bmird@bmicos.com
Eligibility
The owner and spouse or legal partner may enter until the last day of the month in which they turn 71.
Dependents may stay until the last day of the month in which they turn 18 years of age or until the last day they turn 30 years of age as long as they are financially dependent on the owner, single, full-time students. Children who study abroad may remain insured until their 24th birthday.
Deductible
Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
Only one deductible applies per family, per policy year, in the event of a joint accident in the country of residence.
Deductible Elimination
Pre-Existing Conditions Coverage
Total maximum limit per policy year of USD 5,000 for all declared pre-existing conditions / condition caused by and/or related to it, including the consequences of treatment, after applying the deductible. Grace of 24 months. Applies to owner and / or dependents.
Waiting period
Coverage at 100% for accidents and infectious diseases, including COVID-19 and its variants from the effective date, and a 60-day waiting period for any other covered condition.
Travel Assistance Service
You have 100% coverage for medical emergencies or accidents that occur outside your country of residence:
Insured with deductibles up to USD 5,000 will have a co-payment of USD 100 and the balance of the invoice will be paid to 100% by BMI up to the limit of the policy.
BMI Access (Included at no additional cost)
Hospitalization Benefit (No deductible applies in country of residence)
| HOSPITALIZATION BENEFITS (No deductible applies in country of residence) | COVERAGE |
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| In-network room and board | 100% |
| In-Network Intensive Care Unit | 100% |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Laboratory, X-rays, MRIs, CT scans and ultrasounds | 100% |
| Physiotherapy | 100% |
| Medications during hospitalization | 100% |
| Daily income for hospitalization (maximum 30 days a year. Applies from the 3rd day)* | $100/day |
Outpatient Benefits
| OUTPATIENT BENEFITS | COVERAGE |
| Copayment for consultations in the US without applying a deductible | $25 |
| Emergency room (No deductible applies in country of residence) | 100% |
| Outpatient services (after deductible applied) | 100% |
| Ambulatory surgery (No deductible applies in country of residence) | 100% |
| Medical fees (after deductible applied) | 100% |
| Chemotherapy, radiation therapy and dialysis (after deductible applied) | 100% |
| Laboratory, X-rays, MRIs, CT scans and ultrasounds (after deductible is applied) | 100% |
| Physical therapy (after deductible applied) | 100% |
| Medications inside or outside the country of residence after hospitalization or outpatient surgery (90 days) | 80% |
| Medications in the country of residence (within the named network, after the deductible has been applied) | 90% up to USD 10,000 |
| Medications outside the country of residence or outside the named local network (after applying the deductible) | 80% up to USD 10,000 |
| Routine medical check-ups within the country of residence 100% (holder and spouse, after 2 years) | (out of network)$300 |
| Psychiatric and psychological consultations in the country of residence (12 annual consultations, after applying the deductible) | Included |
Maternity Benefit (After deductible applied)
| MATERNITY BENEFITS, AFTER THE DEDUCTIBLE IS APPLIED | COVERAGE |
AVAILABLE FOR ALL DEDUCTIBLES AND FOR DEPENDENT DAUGHTERS | |
| Maternity in the country of residence (No deductible applies) | $8,000 |
| Maternity outside the country of residence (No deductible applies) | $8,000 |
| Maternity complications (No deductible applies in country of residence) | $750,000 |
| Tubal ligation during cesarean section | $1,000 |
| Conditions diagnosed in the first 90 days of the newborn (for life) | $500,000 |
| Congenital conditions (diagnosed after 90 days of birth) | 100% |
| Preservation of umbilical cord blood stem cells in the network (no deductible within the country, per newborn) | 100% |
| Preservation of umbilical cord blood stem cells outside the country of residence or outside the local network | Up to $1,500 |
| Maternity waiting period | 10 months |
Other Benefits (After deductible applied)
| OTHER BENEFITS, AFTER THE DEDUCTIBLE IS APPLIED | COVERAGE |
| Vaccines named in the country of residence (applies to children under and over 10 years of age) SCV | 100% |
| Emergency dental treatment due to accident (no deductible) | 100% |
| dangerous sports | 100% |
| Local ambulance | 100% |
| Air ambulance | 100% |
| Organ transplant and medical expenses of the living donor family member (annual) | $500,000 |
| AIDS treatment (lifetime) | $250,000 |
| In-home nursing (maximum 90 days) | 100% |
| Vasectomy | USD 500 |
| Term life insurance – owner | $15,000 |
| Accidental death and dismemberment insurance – holder | $15,000 |
| Total and permanent disability insurance – holder | $15,000 |
| Exemption of premiums due to the death of the holder | 3 years |
| Waiver of premiums for total and permanent disability of the holder | 3 years |
| Coverage of COVID-19 and its variants | 100% |
| Bariatric surgery (after applying the deductible) grace period 24 months (for life) | $10,000 |
| DEDUCTIBLES | OPTION 1 | OPTION 2 | OPTION 3 |
| per policy year | $1,000 | $2,500 | $5,000 |
– SCV – According to the Vaccine Catalog
– Daily income for hospitalization (Does not apply for maternity or newborn).
– Waiting period for any non-accidental illness or infectious disease, 60 days.
– All coverage applies once the deductible has been met, except as indicated.
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