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Maximum Plan Brochure

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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.
Expenses incurred during the last 90 days of the policy year that do not exceed the deductible will be applied to the following period of the policy year.

Deductible

50% deductible in Colombia for all deductible options.
50% US Preferred Network Deductible for all deductible options.

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)

The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.

The insured only has to contact BMI Access to be assigned a Medical Coordinator, who will be their guide to coordinate any service or benefit available in their health policy outside the country of residence.

Hospitalization Benefit (Outside the country of residence)

HOSPITALIZATION BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE	COVERAGE
AFTER THE DEDUCTIBLE IS APPLIED:
Medical and surgical charges	100%
Physician fees	100%
In-network room and board	100%
In-Network Intensive Care Unit	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 (Outside the country of residence)

OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE	COVERAGE
AFTER THE DEDUCTIBLE IS APPLIED:
Copayment for consultations in the US without applying a deductible	$25
Emergency room	100%
outpatient services	100%
Ambulatory surgery	100%
Physician fees	100%
Chemotherapy and radiotherapy (Cover inside and outside the country of residence for cancer treatment)	100%
Dialysis	100%
Laboratory, X-rays, MRIs, CT scans and ultrasounds	100%
Physiotherapy	100%
Medications outside the country of residence after hospitalization or outpatient surgery (90 days)	80%
Drugs outside the country of residence or outside the named local network	80% up to USD 10,000

Maternity Benefit (Outside the country of residence)

OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE	COVERAGE
AFTER THE DEDUCTIBLE IS APPLIED:
Maternity outside the country of residence (DEDUCTIBLE DOES NOT APPLY)	$8,000
Maternity complications	$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 outside the country of residence	Up to $1,500
Maternity waiting period	10 months

Other Benefits (Outside the country of residence)

OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE	COVERAGE
AFTER THE DEDUCTIBLE IS APPLIED:
Emergency dental treatment due to accident	100%
dangerous sports	100%
Local ambulance (outside the country of residence)	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 deductible applied) grace period 24 months (for life)	$10,000
Annual routine medical check-up (owner and spouse apply) after 24 months	$300

DEDUCTIBLES	OPTION 1	OPTION 2	OPTION 3
per policy year	$1,000	$2,500	$5,000

* Daily income for hospitalization (Does not apply to maternity or newborn).
* Waiting period for any non-accidental illness or disease
infectious, 60 days
All coverages apply once the deductible is met.
Does not apply local network except chemotherapy and radiotherapy for treatment
Of cancer