{"id":3889,"date":"2021-01-11T17:58:22","date_gmt":"2021-01-11T17:58:22","guid":{"rendered":"https:\/\/www.bmicos.com\/dominicana\/?post_type=product&p=3889"},"modified":"2022-03-23T11:58:43","modified_gmt":"2022-03-23T17:58:43","slug":"vida-grupo","status":"publish","type":"product","link":"https:\/\/www.bmicos.com\/dominicana\/en\/seguros\/vida-grupo\/","title":{"rendered":"Group life"},"content":{"rendered":"\t\t
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<\/i><\/span><\/i><\/span>

Elegibilidad y asegurabilidad de asegurados (titulares y dependientes)<\/p><\/i><\/div>

\u2022 Son elegibles como titulares aquellos que a la vigencia de la p\u00f3liza y\/o endosos, tengan una relaci\u00f3n laboral estable con el Contratante
\u2022 Son dependientes elegibles: el c\u00f3nyuge o conviviente legal (uni\u00f3n libre) y los hijos del titular elegible<\/p><\/p><\/div>\n <\/div>

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

Moneda<\/p><\/i><\/div>

Para c\u00e1lculo de beneficios de aquellos reclamos en otra moneda diferente a la de suscripci\u00f3n, se tomar\u00e1 el tipo de cambio para la venta vigente a la fecha efectiva de pago de los beneficios.<\/p><\/p><\/div>\n <\/div>

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

Edad m\u00e1xima para aplicar al plan<\/p><\/i><\/div>

65 a\u00f1os<\/p><\/p><\/div>\n <\/div>

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

L\u00edmite asegurado<\/p><\/i><\/div>

100% hasta la edad m\u00e1xima de permanencia en cobertura b\u00e1sica y endosos\n<\/p><\/div>\n <\/div>

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

Nuevos Endosos\t<\/p><\/i><\/div>

Incapacidad\u00a0permanente\u00a0por\u00a0enfermedades\u00a0o\u00a0accidentes:
\u2013 Uno o cuatro pagos trimestrales a elecci\u00f3n del titular
\u2013 Beneficio independiente a la cobertura b\u00e1sica de vida
\u2013 Cubierto hasta 12 meses en Vida sin pago de prima
\u2013 Pago de indemnizaci\u00f3n a los 90 d\u00edas de comprobarse la incapacidad total y permanente<\/p>

Beca\u00a0estudiantil,\u00a0en\u00a0caso\u00a0de\u00a0muerte\u00a0del\u00a0titular\u00a0asegurado\u00a0(padre,\u00a0madre\u00a0o\u00a0representante\u00a0legal)\u00a0del\u00a0estudiante\u00a0asegurado,\u00a0BMI\u00a0pagar\u00e1\u00a0en\u00a0forma\u00a0mensual\u00a0y\u00a0consecutiva\u00a0a\u00a0la\u00a0instituci\u00f3n\u00a0educativa,\u00a0la\u00a0cobertura\u00a0de\u00a0la\u00a0beca\u00a0estudiantil:
\u2013 L\u00edmite de edad: 18 a 65 a\u00f1os al 100% de la cobertura contratada para emisiones y nuevas inclusiones
*\u00a0En\u00a0Santo\u00a0Domingo\u00a0se\u00a0encuentran\u00a0104\u00a0entidades\u00a0educativas,\u00a0limitadas\u00a0a\u00a0colegios,\u00a0de\u00a0los\u00a0m\u00e1s\u00a0reconocidos<\/p>

Gastos\u00a0por\u00a0educaci\u00f3n,\u00a0se\u00a0cubre\u00a0en\u00a0caso\u00a0de\u00a0muerte\u00a0del\u00a0asegurado:
\u2013 Matr\u00edculas anuales de los hijos en centros educativos de Rep\u00fablica Dominicana
\u2013 Pensiones mensuales de los hijos de un centro educativo de Rep\u00fablica Dominicana, en el cual se haya matriculado previamente
\u2013 Los beneficios aplican para los hijos, qui\u00e9nes a la fecha del siniestro, se encuentren dependiendo econ\u00f3micamente del titular asegurado
\u2013 Aplica para hijos beneficiarios solteros estudiantes hasta 25 a\u00f1os<\/p>

\u00daltimos\u00a0gastos,\u00a0proporciona\u00a0tranquilidad\u00a0a\u00a0su\u00a0familia\u00a0en\u00a0tramitar\u00a0de\u00a0manera\u00a0r\u00e1pida\u00a0y\/o\u00a0expedita\u00a0un\u00a0l\u00edmite\u00a0de\u00a0indemnizaci\u00f3n\u00a0en\u00a0caso\u00a0de\u00a0fallecimiento\u00a0del\u00a0asegurado\u00a0(titular\u00a0y\u00a0dependiente),\u00a0de\u00a0acuerdo\u00a0a\u00a0los\u00a0l\u00edmites\u00a0que\u00a0ampara\u00a0en\u00a0las\u00a0condiciones\u00a0particulares:
\u2013 Aplican asegurados titulares (empleados, socios) y sus dependientes (c\u00f3nyuges e hijos)
\u2013 No aplica contra reembolso, sino indemnizatorio
\u2013 Aplica el mismo concepto de beneficiarios de la cobertura b\u00e1sica de vida<\/p>

Renta\u00a0Familiar,\u00a0esta\u00a0suma\u00a0ser\u00e1\u00a0entregada\u00a0al\u00a0beneficiario\u00a0designado\u00a0por\u00a0el\u00a0titular\u00a0asegurado\u00a0en\u00a0caso\u00a0de\u00a0fallecimiento,\u00a0para\u00a0se\u00a0aplicada\u00a0\u00fanicamente\u00a0bajo\u00a0concepto\u00a0de\u00a0renta\u00a0familiar\u00a0de\u00a0forma\u00a0mensual:
\u2013 L\u00edmite de edad: 18 a 65 a\u00f1os al 100% de cobertura contratada para emisiones y nuevas inclusiones
\u2013 Exclusiones: Suicidio, est\u00e9 o no en uso de sus facultades mentales, durante los 2 primeros a\u00f1os de vigencia continua del endoso<\/p>

Anticipo\u00a0de\u00a0enfermedad\u00a0terminal,\u00a0podr\u00e1\u00a0disponer\u00a0del\u00a0adelanto\u00a0de\u00a0un\u00a0porcentaje\u00a0del\u00a0seguro\u00a0de\u00a0vida\u00a0ante\u00a0el\u00a0diagn\u00f3stico\u00a0de\u00a0una\u00a0enfermedad\u00a0terminal:
\u2013\u00a0Tiempo\u00a0m\u00ednimo\u00a0de\u00a0espera\u00a0de\u00a0un\u00a0mes
\u2013 Uno o cuatro pagos trimestrales a elecci\u00f3n del titular
\u2013 La enfermedad terminal debe considerarse como fatal y el t\u00e9rmino de vida del titular asegurado es de no m\u00e1s de 12 meses
\u2013 Mientras se efect\u00faen los pagos por concepto de anticipos, los pagos de prima del titular ser\u00e1n exonerados<\/p>

Gastos\u00a0m\u00e9dicos\u00a0hospitalarios\u00a0y\/o\u00a0dentales,\u00a0cubre\u00a0bajo\u00a0reembolso\u00a0los\u00a0gastos\u00a0hospitalarios\u00a0y\/o\u00a0dentales\u00a0por\u00a0accidentes,\u00a0cubre\u00a0hasta\u00a0el\u00a0100%\u00a0dentro\u00a0de\u00a0los\u00a0180\u00a0d\u00edas\u00a0calendario\u00a0desde\u00a0el\u00a0Nuevos\u00a0endosos\u00a0de\u00a0Vida\u00a0Colectivo\u00a0siniestro:
\u2013 Incluye asistencia m\u00e9dica, quir\u00fargica, hospitalaria, farmac\u00e9utica, enfermera y ambulancia terrestre
\u2013 Cubre hasta el 40% del l\u00edmite principal para honorarios m\u00e9dicos
\u2013 Cubre hasta el 25% del l\u00edmite principal para colocar aparatos ortop\u00e9dicos o pr\u00f3tesis y ambulancia terrestre<\/p>

Enfermedades\u00a0cr\u00edticas,\u00a0este\u00a0beneficio\u00a0le\u00a0da\u00a0la\u00a0capacidad\u00a0de\u00a0lograr\u00a0una\u00a0mejor\u00a0calidad\u00a0de\u00a0vida\u00a0y\u00a0tambi\u00e9n\u00a0la\u00a0oportunidad\u00a0de\u00a0vivir\u00a0de\u00a0forma\u00a0independiente.\u00a0Puede\u00a0utilizar\u00a0el\u00a0dinero\u00a0para\u00a0lo\u00a0siguiente:
\u2013\u00a0Pagar\u00a0deudas
\u2013\u00a0Completar\u00a0los\u00a0ingresos\u00a0perdidos
\u2013\u00a0Aprovechar\u00a0los\u00a0tratamientos\u00a0experimentales
\u2013\u00a0Realizar\u00a0un\u00a0viaje\u00a0y\u00a0conservar\u00a0su\u00a0calidad\u00a0de\u00a0vid<\/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<\/div>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":3962,"template":"","meta":{"_acf_changed":false},"product_brand":[],"product_cat":[257],"product_tag":[500],"class_list":{"0":"post-3889","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-vida","7":"product_tag-vida-grupo","9":"first","10":"instock","11":"sold-individually","12":"shipping-taxable","13":"product-type-simple"},"acf":[],"yoast_head":"\nVida grupo - Seguros de Vida - BMI Rep\u00fablica Dominicana<\/title>\n<meta name=\"description\" content=\"Son elegibles como titulares aquellos que a la vigencia de la p\u00f3liza, Moneda, Edad m\u00e1xima, L\u00edmite asegurado, solicitar cotizaci\u00f3n.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bmicos.com\/dominicana\/en\/seguros\/vida-grupo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vida grupo - 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