{"id":3787,"date":"2021-01-08T03:40:10","date_gmt":"2021-01-08T03:40:10","guid":{"rendered":"https:\/\/www.bmicos.com\/dominicana\/?post_type=product&p=3787"},"modified":"2023-09-28T12:24:26","modified_gmt":"2023-09-28T16:24:26","slug":"major-health","status":"publish","type":"product","link":"https:\/\/www.bmicos.com\/dominicana\/en\/seguros\/major-health\/","title":{"rendered":"Major Health"},"content":{"rendered":"
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Brochure Plan Major Health<\/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.<\/p><\/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.<\/p><\/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.<\/p><\/li>

    • Only one deductible applies per family, per policy year, in the event of a joint accident in the country of residence.<\/p><\/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 Elimination<\/strong><\/p>

      • 100% for hospital coverage inside and outside the country of residence, including Colombia (Except in the US) for all deductible options.<\/li>
      • 50% deductible in outpatient services in Colombia, for all deductible options.<\/li>
      • 50% US Preferred Network Deductible on all deductible options.<\/li><\/ul><\/p><\/div>\n <\/div>
        \n
        <\/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.<\/p><\/li><\/ul><\/p><\/div>\n <\/div>

          \n
          <\/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>

                \n
                <\/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.<\/li>
                • 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>
                  \n
                  <\/i><\/span><\/i><\/span>

                  Hospitalization Benefit (No deductible applies in country of residence)<\/p><\/i><\/div>

                  <\/colgroup>
                  HOSPITALIZATION BENEFITS (No deductible applies in country of residence)<\/td>COVERAGE<\/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>
                  Chemotherapy, radiotherapy and dialysis<\/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>
                  \n
                  <\/i><\/span><\/i><\/span>

                  Outpatient Benefits<\/p><\/i><\/div>

                  <\/colgroup>
                  OUTPATIENT BENEFITS<\/td>COVERAGE<\/td><\/tr>
                  Copayment for consultations in the US without applying a deductible<\/td>$25<\/td><\/tr>
                  Emergency room (No deductible applies in country of residence)<\/td>100%<\/td><\/tr>
                  Outpatient services (after deductible applied)<\/td>100%<\/td><\/tr>
                  Ambulatory surgery (No deductible applies in country of residence)<\/td>100%<\/td><\/tr>
                  Medical fees (after deductible applied)<\/td>100%<\/td><\/tr>
                  Chemotherapy, radiation therapy and dialysis (after deductible applied)<\/td>100%<\/td><\/tr>
                  Laboratory, X-rays, MRIs, CT scans and ultrasounds (after deductible is applied)<\/td>100%<\/td><\/tr>
                  Physical therapy (after deductible applied)<\/td>100%<\/td><\/tr>
                  Medications inside or outside the country of residence after hospitalization or outpatient surgery (90 days)<\/td>80%<\/td><\/tr>
                  Medications in the country of residence (within the named network, after the deductible has been applied)<\/td>
                  90% up to USD 10,000<\/div><\/div><\/td><\/tr>
                  Medications outside the country of residence or outside the named local network (after applying the deductible)<\/td>
                  80% up to USD 10,000<\/div><\/div><\/td><\/tr>
                  Routine medical check-ups within the country of residence 100% (holder and spouse, after 2 years)<\/td>
                  (out of network)$300<\/div><\/div><\/td><\/tr>
                  Psychiatric and psychological consultations in the country of residence (12 annual consultations, after applying the deductible)<\/td>Included<\/td><\/tr><\/tbody><\/table><\/p><\/div>\n <\/div>
                  \n
                  <\/i><\/span><\/i><\/span>

                  Maternity Benefit (After deductible applied)<\/p><\/i><\/div>

                  <\/colgroup>
                  MATERNITY BENEFITS, AFTER THE DEDUCTIBLE IS APPLIED<\/td>COVERAGE<\/td><\/tr>
                  AVAILABLE FOR ALL DEDUCTIBLES AND FOR DEPENDENT DAUGHTERS<\/div><\/div><\/td>
                  		\u00a0<\/td><\/tr>
                  Maternity in the country of residence (No deductible applies)<\/td>$8,000<\/td><\/tr>
                  Maternity outside the country of residence (No deductible applies)<\/td>$8,000<\/td><\/tr>
                  Maternity complications (No deductible applies in country of residence)<\/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 in the network (no deductible within the country, per newborn)<\/td>100%<\/td><\/tr>
                  Preservation of umbilical cord blood stem cells outside the country of residence or outside the local network<\/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 (After deductible applied)<\/p><\/i><\/div>

                  <\/colgroup>
                  OTHER BENEFITS, AFTER THE DEDUCTIBLE IS APPLIED<\/td>COVERAGE<\/td><\/tr>
                  Vaccines named in the country of residence (applies to children under and over 10 years of age) SCV<\/td>100%<\/td><\/tr>
                  Emergency dental treatment due to accident (no deductible)<\/td>100%<\/td><\/tr>
                  dangerous sports<\/td>100%<\/td><\/tr>
                  Local ambulance<\/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 applying the deductible) grace period 24 months (for life)<\/td>$10,000<\/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>

                  \u2013 SCV \u2013 According to the Vaccine Catalog
                  \u2013 Daily income for hospitalization (Does not apply for maternity or newborn).
                  \u2013 Waiting period for any non-accidental illness or infectious disease, 60 days.
                  \u2013 All coverage applies once the deductible has been met, except as indicated.<\/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":4983,"template":"","meta":{"_acf_changed":false},"product_brand":[],"product_cat":[248],"product_tag":[69],"class_list":{"0":"post-3787","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-salud","7":"product_tag-health-insurance","9":"first","10":"instock","11":"sold-individually","12":"shipping-taxable","13":"product-type-simple"},"acf":[],"yoast_head":"\nBMI Major Health: Deducibles Flexibles para tu Familia en RD<\/title>\n<meta name=\"description\" content=\"Major Health de BMI: Sin deducible en hospitales dentro y fuera del pa\u00eds. 50% deducible ambulatorio en Colombia. \u00a1Cotiza ahora!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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