{"id":3781,"date":"2021-01-06T23:23:04","date_gmt":"2021-01-06T23:23:04","guid":{"rendered":"https:\/\/www.bmicos.com\/dominicana\/?post_type=product&p=3781"},"modified":"2023-09-28T12:30:24","modified_gmt":"2023-09-28T16:30:24","slug":"maximum","status":"publish","type":"product","link":"https:\/\/www.bmicos.com\/dominicana\/en\/seguros\/maximum\/","title":{"rendered":"Maximum"},"content":{"rendered":"
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Maximum Plan Brochure<\/h3>\n
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<\/i><\/span><\/i><\/span>

Eligibility<\/p><\/i><\/div>

  • The owner and spouse or legal partner may enter until the last day of the month in which they turn 71.<\/li>
  • 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.<\/li><\/ul><\/p><\/div>\n <\/div>
    \n
    <\/i><\/span><\/i><\/span>

    Deductible<\/p><\/i><\/div>

    • Applies per insured, per policy year, up to a maximum of 2 deductibles per family.<\/li>
    • Only one deductible applies per family, per policy year, in the event of a joint accident in the country of residence.<\/li>
    • 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.<\/li><\/ul>

      Deductible<\/strong><\/p>

      • 50% deductible in Colombia for all deductible options.<\/li>
      • 50% US Preferred Network Deductible for all deductible options.<\/li><\/ul><\/p><\/div>\n <\/div>
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        <\/i><\/span><\/i><\/span>

        Pre-Existing Conditions Coverage<\/p><\/i><\/div>

        • 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.<\/li><\/ul><\/p><\/div>\n <\/div>
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          <\/i><\/span><\/i><\/span>

          Waiting period<\/p><\/i><\/div>

          • 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.<\/p><\/li><\/ul><\/p><\/div>\n <\/div>

            \n
            <\/i><\/span><\/i><\/span>

            Travel Assistance Service<\/p><\/i><\/div>

            • You have 100% coverage for medical emergencies or accidents that occur outside your country of residence:<\/p>

              • 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.<\/p><\/li><\/ul><\/li><\/ul><\/p><\/div>\n <\/div>

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                <\/i><\/span><\/i><\/span>

                BMI Access (Included at no additional cost)<\/p><\/i><\/div>

                The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.<\/p>

                • 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.<\/li><\/ul><\/p><\/div>\n <\/div>
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                  <\/i><\/span><\/i><\/span>

                  Hospitalization Benefit (Outside the country of residence)<\/p><\/i><\/div>

                  <\/colgroup>
                  HOSPITALIZATION BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE<\/td>COVERAGE<\/td><\/tr>
                  AFTER THE DEDUCTIBLE IS APPLIED:<\/div><\/div><\/td>
                  		\u00a0<\/td><\/tr>
                  Medical and surgical charges<\/td>100%<\/td><\/tr>
                  Physician fees<\/td>100%<\/td><\/tr>
                  In-network room and board<\/td>100%<\/td><\/tr>
                  In-Network Intensive Care Unit<\/td>100%<\/td><\/tr>
                  Laboratory, X-rays, MRIs, CT scans and ultrasounds<\/td>100%<\/td><\/tr>
                  Physiotherapy<\/td>100%<\/td><\/tr>
                  Medications during hospitalization<\/td>100%<\/td><\/tr>
                  Daily income for hospitalization (maximum 30 days a year. Applies from the 3rd day)*<\/td>$100\/day<\/td><\/tr><\/tbody><\/table><\/p><\/div>\n <\/div>
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                  <\/i><\/span><\/i><\/span>

                  Outpatient Benefits (Outside the country of residence)<\/p><\/i><\/div>

                  <\/colgroup>
                  OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE<\/td>COVERAGE<\/td><\/tr>
                  AFTER THE DEDUCTIBLE IS APPLIED:<\/td>\u00a0<\/td><\/tr>
                  Copayment for consultations in the US without applying a deductible<\/td>$25<\/td><\/tr>
                  Emergency room<\/td>100%<\/td><\/tr>
                  outpatient services<\/td>100%<\/td><\/tr>
                  Ambulatory surgery<\/td>100%<\/td><\/tr>
                  Physician fees<\/td>100%<\/td><\/tr>
                  Chemotherapy and radiotherapy (Cover inside and outside the country of residence for cancer treatment)<\/td>100%<\/td><\/tr>
                  Dialysis<\/td>100%<\/td><\/tr>
                  Laboratory, X-rays, MRIs, CT scans and ultrasounds<\/td>100%<\/td><\/tr>
                  Physiotherapy<\/td>100%<\/td><\/tr>
                  Medications outside the country of residence after hospitalization or outpatient surgery (90 days)<\/td>80%<\/td><\/tr>
                  Drugs outside the country of residence or outside the named local network<\/td>
                  80% up to USD 10,000<\/div><\/div><\/td><\/tr><\/tbody><\/table><\/p><\/div>\n <\/div>
                  \n
                  <\/i><\/span><\/i><\/span>

                  Maternity Benefit (Outside the country of residence)<\/p><\/i><\/div>

                  <\/colgroup>
                  OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE<\/td>COVERAGE<\/td><\/tr>
                  AFTER THE DEDUCTIBLE IS APPLIED:<\/td>\u00a0<\/td><\/tr>
                  Maternity outside the country of residence (DEDUCTIBLE DOES NOT APPLY)<\/td>$8,000<\/td><\/tr>
                  Maternity complications<\/td>$750,000<\/td><\/tr>
                  Tubal ligation during cesarean section<\/td>$1,000<\/td><\/tr>
                  Conditions diagnosed in the first 90 days of the newborn (for life)<\/td>$500,000 <\/td><\/tr>
                  Congenital conditions (diagnosed after 90 days of birth)<\/td>100%<\/td><\/tr>
                  Preservation of umbilical cord blood stem cells outside the country of residence<\/td>
                  Up to $1,500<\/div><\/div><\/td><\/tr>
                  Maternity waiting period<\/td>10 months<\/td><\/tr><\/tbody><\/table><\/p><\/div>\n <\/div>
                  \n
                  <\/i><\/span><\/i><\/span>

                  Other Benefits (Outside the country of residence)<\/p><\/i><\/div>

                  <\/colgroup>
                  OUTPATIENT BENEFITS, OUTSIDE THE COUNTRY OF RESIDENCE<\/td>COVERAGE<\/td><\/tr>
                  AFTER THE DEDUCTIBLE IS APPLIED:<\/td>\u00a0<\/td><\/tr>
                  Emergency dental treatment due to accident<\/td>100%<\/td><\/tr>
                  dangerous sports<\/td>100%<\/td><\/tr>
                  Local ambulance (outside the country of residence)<\/td>100%<\/td><\/tr>
                  Air ambulance<\/td>100%<\/td><\/tr>
                  Organ transplant and medical expenses of the living donor family member (annual)<\/td>$500,000<\/td><\/tr>
                  AIDS treatment (lifetime)<\/td>$250,000<\/td><\/tr>
                  In-home nursing (maximum 90 days)<\/td>100%<\/td><\/tr>
                  Vasectomy<\/td>USD 500<\/td><\/tr>
                  Term life insurance \u2013 owner<\/td>$15,000<\/td><\/tr>
                  Accidental death and dismemberment insurance \u2013 holder<\/td>$15,000<\/td><\/tr>
                  Total and permanent disability insurance \u2013 holder<\/td>$15,000<\/td><\/tr>
                  Exemption of premiums due to the death of the holder<\/td>3 years<\/td><\/tr>
                  Waiver of premiums for total and permanent disability of the holder<\/td>3 years<\/td><\/tr>
                  Coverage of COVID-19 and its variants<\/td>100%<\/td><\/tr>
                  Bariatric surgery (after deductible applied) grace period 24 months (for life)<\/td>$10,000<\/td><\/tr>
                  Annual routine medical check-up (owner and spouse apply) after 24 months<\/td>$300<\/td><\/tr><\/tbody><\/table>

                  \u00a0<\/p><\/colgroup>
                  DEDUCTIBLES<\/td>OPTION 1<\/td>OPTION 2<\/td>OPTION 3<\/td><\/tr>
                  per policy year<\/td>$1,000<\/td>$2,500<\/td>$5,000<\/td><\/tr><\/tbody><\/table>

                  \u00a0<\/p>

                  * 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<\/p><\/p><\/div>\n <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

                  Elegibilidad El titular y c\u00f3nyuge o conviviente legal podr\u00e1n ingresar hasta el \u00faltimo d\u00eda del mes en que cumplan 71 a\u00f1os. Los dependientes podr\u00e1n permanecer hasta el \u00faltimo d\u00eda del mes en que cumplan 18 a\u00f1os de edad o hasta el \u00faltimo d\u00eda en que cumplan 30 a\u00f1os de edad siempre y cuando sean dependientes […]<\/p>\n","protected":false},"featured_media":4980,"template":"","meta":{"_acf_changed":false},"product_brand":[],"product_cat":[248],"product_tag":[496],"class_list":{"0":"post-3781","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-salud","7":"product_tag-seguros-de-salud","9":"first","10":"instock","11":"sold-individually","12":"shipping-taxable","13":"product-type-simple"},"acf":[],"yoast_head":"\nBMI Maximum: Deducibles, Edades y Cobertura Ideal<\/title>\n<meta name=\"description\" content=\"Seguro de Salud Maximum de BMI: Cobertura completa con un solo deducible por familia en caso de accidente. 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