5/5

Riders

• Included at no additional cost for Series 3000. Optional for Meridian II, Azure and Ideal. Not available for Flexi Plan III Latin America.

 

Travel Assistance Benefit:

• BMI will waive the deductible -up to US$5,000- in case of a medical emergency due to illness or accident while traveling outside the country of residence.
• The amount of deductible waived by BMI will be applied to the policy annual deductible.
• Follow-up visits will be covered as per policy benefits. The insured will be responsible for any remaining deductible until the annual deductible is reached.

 

Emergency Medical Transportation Benefits:

Air ambulance100%
Transportation expense for accompanying family member*When not allowed to accompany the insured on the air ambulance to the medical facility
Accommodation expense for accompanying family member *US$100 per day, maximum 5 days
Medical repatriation*US$25,000
Return airfare to the country of residence (insured and companion) *US$1,000 per person, per event
Airfare for companion if hospitalized (more than 5 days) during a tripUS$1,000
Repatriation of mortal remains or cremation services100% in Serie 3000, Meridian II and Azure - US$10,000 in Ideal
Return of minor children due to policyholder’s deathUS$1,000 per policy

*Following an air ambulance service

• This benefit will help cover any unexpected costs during a hospitalization resulting from an accident or illness covered by the policy. This benefit is payable in addition to an insureds health plan coverage with BMI.

Eligibility:
• Policies with policyholders under 65 years of age.
• Coverage will cease upon renewal in which any insured person reaches age 69.
• Spouses under age 65 and dependent children on the same policy are elegible when the policyholder purchases the rider.
• Rider not available in Flexi Plan III Latin America.


Benefit:

• Option of US$100, US$200, or US$300 per day.
• The daily benefit will be doubled if intensive care unit is required.
• The maximum benefit will be 365 days per illness or accident covered by the policy.
• Benefits will be paid directly to the insured from first day of hospitalization.
• If the hospitalization is prolonged, the benefit could be paid periodically.

Benefit:
• Option of US$50,000 or US$100,000 term life coverage available for policyholder and/or spouse.

Eligibility:
• Policyholder and/or spouse applying for a health policy with BMI.
• Medical evaluation should be completed with health insurance application.

• If during the period of the policy the insured person sustains bodily injury which is caused by accident and results in death, dismemberment or permanent disablement of the insured person, the company will pay the insured or the beneficiaries the corresponding benefit.

Eligibility:
• Any person in good health, from ages 18 to 64, insured or applying for a life or health policy with BMI.
• Coverage will cease upon reaching age 70.

Benefit:
• The minimum coverage is US$50,000 and the maximum coverage is US$250,000.

Schedule of compensation:

Accidental death    

100% of the sum insured

Loss of two limbs   

100% of the sum insured

Loss of one limb   

50% of the sum insured

Loss of sight (both eyes)   

100% of the sum insured

Loss of sight (one eye)   

50% of the sum insured

Loss of one limb and sight (one eye)

100% of the sum insured

Total loss of speech and hearing

100% of the sum insured

Total loss of speech or hearing

50% of the sum insured

Permanent and total disability

100% of the sum insured

• If as consequence of accident or sickness occurring or commencing after the effective date of coverage, the insured person becomes totally and permanently disabled and incapable of performing the activities of his/her usual profession or any other occupation for which he/she is reasonably qualified by reason of education, training or experience; the company will pay the insured amount in a lump sum.

Eligibility:

• Any person in good health, from ages 18 to 60, insured under a life or health policy with BMI.
• Coverage will cease upon reaching age 65.

Benefit:
• The minimum coverage is US$50,000 and the maximum coverage is US$300,000.

Eligibility:
• Any person applying for a Meridian II health policy with BMI, up to 69 years of age.
• This rider will cease upon renewal in which any insured person reaches age 70.

This rider applies to all policyholders and automatically will increase the following benefits:

Description

Coverage

Maximum coverage per insured (Per policy year)

US$10,000,000

Hospital room charges for companion of hospitalized dependent under 18 years old

100%

Outpatient prescription drugs

100%

Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period)

US$500

Routine immunizations for dependent under 18 years old (Deductible do not apply. 12 month waiting period. Automatic for dependents born under a covered maternity)

US$150

Maternity outside the USA (Deductible does not apply) 

100%

Maternity inside the USA (Deductible does not apply) 

US$10,000

Conditions diagnosed within the first 90 days of birth

100%

Circumcision in hospital (Deductible does not apply. Per newborn)

US$500

Home Nursing

100%

Organ transplant (Lifetime)

US$2,500,000

Medical equipment, external prostheses and orthopedic devices

US$100,000

Contact Us

You can contact the department of your interest via email at:

Servicio al cliente

General inquiries:

bmi@bmicos.com

Customer Service - Life:

bmiphs@bmicos.com

Customer Service - Health:

healthphs@bmicos.com

BMI Access Service Center - Health:

bmiaccess@bmicos.com

24x7 Emergencies - Health:

alarmcenter@bmicos.com

Customer Service - Travel Assistance Plans:

info@bmitravelassist.com

Servicio al agente

General inquiries:

agentservice@bmicos.com

Sales Support - Life:

lifesales@bmicos.com

New Business - Life:

lifeonline@bmicos.com

Sales Support - Health:

healthsales@bmicos.com

New Business - Health:

healthonline@bmicos.com

Commission inquiries:

commissions@bmicos.com

Payments by wire transfer or check:

bmicashier@bmicos.com

Online payments (credit card or electronic check):

onlinepayments@bmicos.com

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