preference

• 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.

• 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 next
  policy year period.
• Deductible Elimination:
  • 100% for hospital coverage inside and outside the country of residence, including Colombia (Except in the US)
    For deductible options 1, 2, 4 and 5.
  • 50% deductible in Colombia for options 3, 6 and 7.
  • 100% coverage for ambulatory surgeries and emergencies in the country of residence, without deductible or copayment.
    For deductible options 1, 2, 3, 4 and 5.
  • 50% deductible in select network in the US in options 1, 2, 3, 4, 5 and 6

・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. 24-month grace 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

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 the
  100% per BMI up to the policy limit.
• Insureds with deductibles of USD 10,000 or USD 20,000 will have a copayment of USD 100 for the first USD 5,000 in medical expenses. Expenses greater than USD 5,000 will be paid based on the benefits of the policy. (Deductible applies)

• The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.
• The insured should only contact BMI Access to be assigned a Medical Coordinator, who will be their
  guide to coordinate any service or benefit available in your health policy outside the country of residence

* SCV – According to the Vaccine Catalog
* Daily income for hospitalization (Does not apply to maternity or newborn).
* Waiting period for any non-accidental disability or infectious disease, 60 days
– All coverage applies once the deductible has been met.

Worldwide and US coverage on select network, additional $1,000,000 for the following conditions:

• Cardiovascular disease.
• Chronic renal failure.
• Cancer. Additional USD 500,000 coverage
• Organ transplant.

• 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: www.bmicos.com/dominicana

• We have agreements in the most prestigious Hospitals in Latin America, located in Colombia, where you can attend with your local plan applying the deductible.

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