• 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$500,000

(US$3,000,000 optional)

Waiting period 30 days / Immediate coverage for accidents and infectious diseases
Geographic coverage Worldwide
Hospital network Freedom of choice outside the USA / BMI USA Ideal Network in the USA
Renewals Guaranteed. No age limit
Temporary emergency coverage due to accident while application is being underwritten US$50,000
50% deductible reduction in case of hospitalization in country of residence Applies to deductible options I, II & III
Emergency medical treatment outside area of coverage 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 (Maximum 240 days) 100%
 Intensive care unit (Maximum 240 days) 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%
Physician fees 100%
Specialist Fees 100%
Other Outpatient Services US$10,000
Prescription drugs after hospitalization or surgery (Maximum 30 days) 100%
Prescription drugs non related to hospitalization or surgery US$20,000
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) US$150

Maternity benefits

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

Description Coverage
Maternity Benefit (Deductible does not apply) US$3,000
Maternity complications (Deductible does not apply) US$50,000
Conditions diagnosed within the first 90 days of birth (Not related to congenital conditions. Lifetime) US$100,000 (Lifetime) within the country of residence / US$10,000 (Lifetime) outside the country of residence
Addition of newborn (Must send birth certificate within 90 days of birth) Automatic

Other Benefits

Description Coverage
Chemotherapy, radiotherapy and dialysis 100%
Cancer risk reduction surgery (Prophylactic surgery) 100%
Reconstructive surgery due to illness 100%
Dental treatment due to accident (Deductible does not apply) 100%
Home nursing (Maximum 30 days) 100%
Intraoperative prostheses 100%
Local ambulance (Deductible does not apply) 100%
Congenital conditions (Diagnosed before age 18. Lifetime) US$100,000
Congenital conditions (Diagnosed from age 18) 100%
Organ transplant (Lifetime) US$300,000
Medical benefit for organ resection from a donor US$25,000
Alzheimer US$25,000
Permanent & total disability of policyholder under 60 years old US$10,000
Medical equipment, external prostheses and orthopedic devices US$5,000
Sexually transmitted diseases US$1,000
Autism US$1,000

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


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