BMI Financial Group Ⓒ 2023 - All Rights Reserved
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Eligibility
• Any person who resides in Latin America or the Caribbean. The maximum age for enrollment is 70.
• 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
| I | II | III | IV | V | VI | VII |
| US$250 | 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$500,000 |
| Waiting period | 30 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Latin America and the Caribbean |
| Hospital network | Freedom of choice |
| Renewals | Guaranteed. No age limit |
| Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
| Emergency medical treatment outside area of coverage | US$25,000 |
| 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% |
| Hospital room (Per day. Maximum 240 days) | US$400 |
| Intensive care unit (Per day. Maximum 240 days) | US$800 |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Laboratory tests and diagnostic services | 100% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Prescription Drugs | 100% |
| Treatment for injuries as a result of participation in non-professional sports | 100% |
| Congenital conditions | 100% |
| Hospital indemnity (Per day. Maximum 10 days) | 100% |
Outpatient Benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) | US$250 |
Maternity benefits
Not applicable
Other Benefits
| Description | Coverage |
| Complications of pregnancy (Ectopic pregnancy, spontaneous/not elective abortion, death of the embryo or fetus, hydatidiform) | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Home nursing (Maximum 30 days) | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Organ transplant (Lifetime) | US$500,000 |
| Medical benefit for organ resection from a donor | US$25,000 |
| Permanent & total disability of policyholder under 60 years old | US$50,000 |
| Local ambulance (Deductible does not apply) | US$1,000 |
| Sexually transmitted diseases | US$1,000 |
Additional Coverage Riders (Optional)
| Term Life Insurance (US$50,000 or US$100,000) |
| Accidental Death and Dismemberment Insurance (AD&D) (US$50,000 to US$250,000) |
| Permanent and Total Disability (US$50,000 to US$300,000) |
Supplements (Optional)
| Maximum coverage per insured (Per policy year) | US$1,500,000 |
| Hospital room and intensive care unit (Maximum 240 days) | 100% |
| Outpatient services. Includes: | |
| Chemotherapy, radiation therapy and dialysis as an outpatient | 80% or 100% |
| Medications after hospitalization / outpatient surgery (90 days) | 100% |
| Laboratory tests and diagnostic services | according to % selected |
| Physical therapy, occupational therapy, and speech therapy for covered illness or accident | according to % selected |
| Treatment for injuries resulting from participation in non-professional sports | according to % selected |
| Congenital conditions | according to % selected |
The information on this site is for informational purposes. Benefits are detailed in the policy contract.
Contact Us
You can contact the department of your interest via email at:
General inquiries: | |
Customer Service - Life: | |
Customer Service - Health: | |
BMI Access Service Center - Health: | |
24x7 Emergencies - Health: | |
Customer Service - Travel Assistance Plans: |
General inquiries: | |
Sales Support - Life: | |
New Business - Life: | |
Sales Support - Health: | |
New Business - Health: | |
Commission inquiries: | |
Payments by wire transfer or check: | |
Online payments (credit card or electronic check) |
BMI Financial Group Ⓒ 2023 - All Rights Reserved
Developed by
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