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 prime
Meridian Prime Plan Brochure
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Eligibility
• Permanent residents of the Dominican Republic, up to 70 years of age. No maximum renewal age. • Dependent children until they are 24 years old or who are single and reside with the policyholder until they are 30 years old. Dependents who study full time outside the country of residence until they are 24 years old. • Medical examination is required from 65 years of age.
Deductible
• Applies per insured, per policy year, up to a maximum of 2 deductibles per family. • A single 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. • Elimination of deductible:
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- • 100% coverage for hospitalization in the country of residence, without deductible or copayment. Applies to deductible options I and II.
Deductible Options
| I | II | III | IV | V |
| US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
Coinsurance (Only applies in the US)
• After satisfying the deductible, BMI will cover the 90% of the first US$10,000 per person, per policy year and the 100% of the balance.
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 an accidental bodily injury from the date the application and premium are received until whichever occurs first:
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- 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 • Insureds 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 | US$10,000 |
| Return of Minors | US$1,000 |
| Companion Transportation | US$1,000 |
| Companion's Stay | US$100 per day, maximum 5 days |
Hospitalization Benefits
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| Room and meals (Maximum 180 days) | 100% |
| Intensive care unit (Maximum 180 days) | 100% |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Laboratory, X-rays, Magnetic Resonances, CT and Ultrasound | 100% |
| Physiotherapy | 100% |
| Prescription Drugs | 100% |
Outpatient Benefits
(AVAILABLE ONLY OUTSIDE THE COUNTRY OF RESIDENCE)
| 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% |
Maternity Benefits
Does not apply.
Other Benefits
| Emergency Dental Treatment due to accident (No deductible) | 100% |
| Dangerous sports | 100% |
| Local ambulance | 100% |
| Air ambulance | US$25,000 |
| Organ Transplantation (Lifetime) | US$300,000 |
| Medical Expenses for Organ Resection of a living donor family member | US$10,000 |
| 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 | 2 years |
| Exemption of Premiums for Total and Permanent Disability of the Holder | 2 years |
