BMI Financial Group Ⓒ 2023 - All Rights Reserved
Developed by 
- Acropolis Business Mall, Level 15, Ensanche Piantini, Santo Domingo, Dominican Republic.
- (809) 562-6660
- bmird@bmicos.com
5/5
Meridian Plus
Meridian Plus Plan Brochure
1 file(s) 249.59KB
Eligibility
• Permanent residents of the Dominican Republic, up to 70 years of age. No maximum renewal age.
• Dependent children until their 24th birthday or who are single and reside with the policy holder until their 30th birthday
year old. Dependents who study full time outside the country of residence until they are 24 years old.
• Medical Exam is required for all proposed insureds age 65 and over.
Deductible
• 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 not exceeding the deductible will be applied to the next policy year period.
• Elimination of deductible:
- • 100% of hospital coverage inside and outside the country of residence (Except in the US). Applies for deductible options I, II, IV and V.
- • 100% coverage for outpatient surgeries and emergencies in the country of residence, without deductible or copayment. Applies for deductible options IV and V
Deductible Options
| I | II | III | IV | V | VI | VII | VIII |
| 0 / US$1,000 | 0 / US$2,500 | 0 / US$5,000 | US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
Coinsurance (Only applies in the US)
Does not apply.
Waiting period
• Coverage at 100% for accidents and infectious diseases from the effective date, with a 60-day waiting period for any other covered condition.
Temporary coverage for emergencies
• US$25,000 for covered medical expenses as a result of accidental bodily injury from the date the application and premium are received until whichever occurs first:
-
- a) Effective date of the policy or
- b) 60 days from the date the application is received by BMI.
Travel assistance service
• 100% coverage for medical emergencies due to illness or accident occurring outside the country of residence • Insured with deductibles of US$1,000 to US$5,000: they will have a copayment of US$100 and the balance of the bill will be paid to 100% by BMI up to the limit of the policy. • Insureds with deductibles of US$10,000 or US$20,000: they will have a copayment of US$100 for the first US$5,000 in medical expenses. Expenses greater than US$5,000 will be paid based on the benefits of the policy. • Benefits:
-
- • Air Ambulance 100%
- • Medical Repatriation US$25,000
- • Repatriation of Mortal Remains $10,000
- • Return of Minors US$1,000
- • Transportation of the Companion US$1,000
- • Stay of the Companion US$100 per day, maximum 5 days
Hospitalization Benefits
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Room and Food | 100% |
| Intensive care unit | 100% |
| Chemotherapy, Radiation Therapy and Dialysis | 100% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| Prescription Drugs | 100% |
| Stay for a Companion under 18 years of age hospitalized (Per day. Maximum 10 days) | US$400 |
| Daily Income for Hospitalization (Maximum 30 days a year. Applies from the 3rd day) * | US$100 |
Outpatient Benefits
| Emergency room | 100% |
| Ambulatory surgery | 100% |
| Medical and Surgical Services | 100% |
| Medical fees | 100% |
| Chemotherapy, Radiation Therapy and Dialysis | 100% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| Medications inside or outside the Country of Residence after Hospitalization or Ambulatory Surgery (90 days) | 80% |
| Medications in the Country of Residence | 80% up to US$2,500 |
| Medicines outside the Country of Residence | 80% to US$4,000 |
| Routine Medical Checkups within the Country of Residence (No deductible. Holder and spouse) | US$300 |
| Psychiatric Consultations in the Country of Residence (Maximum 12 consultations per year) | Included |
| Co-pay for outpatient visits in the United States | US$25 |
Maternity Benefits
• AVAILABLE FOR DEDUCTIBLES I-II-IV AND V. AVAILABLE FOR DEPENDENT DAUGHTERS
| Maternity in the Country of Residence (No deductible) | 100% |
| Maternity outside the Country of Residence (Without decudible) | US$10,000 |
| Maternity Complications | 100% |
| Tubal Ligation During Cesarean Section | US$1,000 |
| Conditions Diagnosed in the first 90 days of the Newborn (Lifetime) | US$500,000 |
| Congenital Conditions (Diagnosed after 90 days of birth) | 100% |
| Umbilical Cord Stem Cell Preservation (No Deductible. Per Newborn) | US$1,500 |
Other Benefits
| Vaccines (Up to 10 years within the Country of Residence) | 100% |
| Emergency Dental Treatment due to accident (No deductible) | 100% |
| Dangerous sports | 100% |
| Local ambulance | 100% |
| Air ambulance | 100% |
| Organ Transplantation (Lifetime) | US$1,000,000 |
| Medical Expenses for Organ Resection of a living donor family member | US$15,000 |
| AIDS Treatment (Lifetime) r | US$250,000 |
| Home Nurse (Maximum 90 days) | 100% |
| Durable Medical Equipment, Prosthetics and Orthopedic Devices | US$5,000 |
| Vasectomy | US$1,000 |
| Term Life Insurance - Holder | US$15,000 |
| Accidental Death and Dismemberment Insurance - Holder | US$15,000 |
| Total and Permanent Disability Insurance - Holder | US$15,000 |
| Exemption of Premiums for Death of the Holder or Spouse (when working full time) | 3 years |
| Exemption of Premiums for Total and Permanent Disability of the Holder | 3 years |
