• Any person who resides in Latin America or the Caribbean. The maximum age for enrollment is 74.
• Dependent children up to their 18th birthday or if they are single and residing with the policyholder up to their 30th birthday. Dependents studying full-time outside their country of residence until their 24th birthday.
• Medical Exam is required for all proposed insureds age 65 and over.

Deductible Options

US$500 US$1,000 US$2,500 US$5,000 US$10,000 US$20,000

• Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
• In case of an accident in country of residence in which one or more family members suffer injury only one deductible per policy year will apply.
• Expenses incurred during the last 90 days of the policy year not exceeding the deductible will be applied to the next policy year period.

General Information

Description Coverage
Maximum coverage per insured (Per policy year) US$5,000,000
Waiting period 30 days / Immediate coverage for accidents and infectious diseases
Geographic coverage Worldwide
Hospital network Free choice outside the US / BMI USA Azure Network in the US
Renewals Guaranteed. No age limit
Temporary emergency coverage due to accident while application is being underwritten US$50,000
Elimination of deductible in case of hospitalization due to accident Applies to deductible options I, II & III
Emergency medical treatment outside the BMI USA Azure Network US$50,000
Waiver of premium upon death or permanent & total disability of policyholder under 60 years old 2 years
BMI Access  Included at no additional cost

Hospitalization Benefits

Description Coverage
Medical and surgical charges 100%
Physician fees 100%
Laboratory tests and diagnostic services 100%
Hospital room 100%
Intensive care unit 100%
Prescription Drugs 100%
Hospital room charges for companion of hospitalized dependent under 18 years old (Per day. Maximum 30 days) US$100

Outpatient Benefits

Description Coverage
Ambulatory surgery 100%
Visits to physicians and specialists 100%
Laboratory tests and diagnostic services 100%
Prescription drugs after hospitalization or surgery (Maximum 90 days) 100%
Prescription drugs non related to hospitalization or surgery US$30,000
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) US$250

Maternity benefits

• 10 month waiting period. Available for deductibles I-II-III. Available for dependents

Description Coverage
Maternity (Deductible does not apply) US$5,000
Maternity complications (Deductible does not apply) US$100,000
Conditions diagnosed within the first 90 days of birth (Lifetime) US$250,000
Addition of newborn (Must send birth certificate within 90 days of birth) Automatic
Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) US$1,500

Other Benefits

Description Coverage
Chemotherapy, radiotherapy and dialysis 100%
Cancer risk reduction surgery (Prophylactic surgery) 100%
Reconstructive surgery due to illness 100%
Physical therapy, occupational therapy and language therapy due to illness or covered accident 100%
Medical Visits for Sleep Apnea | Medical Visits for Allergies 100%
Hospice or terminal care 100%
Treatment for injuries as a result of participation in non-professional sports 100%
Emergency room 100%
Dental treatment due to accident (Deductible does not apply) 100%
Congenital conditions 100%
Nutritionist services 100%
Local ambulance (Deductible does not apply) 100%
Home nursing (Maximum 90 days) 100%
Intraoperative prostheses 100%
Organ transplant (Lifetime) US$1,000,000
Medical benefit for organ resection from a donor US$30,000
Permanent & total disability of policyholder under 60 years old US$50,000
Medical equipment, external prostheses and orthopedic devices US$25,000
Alzheimer US$25,000
Surgical treatment for symptomatic foot disorders (24 month waiting period) US$1,000
Autism US$1,000
Sexually transmitted diseases US$1,000
Hearing aid (12 month waiting period. US$1,000 lifetime) US$150 per year
Home health care visit 5 visits

The information on this site is for informational purposes. Benefits are detailed in the policy contract.


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