BMI Financial Group Ⓒ 2024 - All Rights Reserved
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Eligibility
• 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
| I | II | III | IV | V | VI |
| 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$1,000,000
(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 US$500 – US$2,500 |
| 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$150 |
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 outpatient surgery | US$20,000 |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) | US$150 |
| Well Child check-up, including routine immunizations for dependent under 18 years old (Deductible does not apply. 12 month waiting period. Automatic for dependents born under a covered maternity) |
US$100 |
Maternity benefits
10 MONTH WAITING PERIOD FOR DEDUCTIBLES US$500 - US$2,500
AVAILABLE FOR DEPENDENTS
| Description | Coverage |
| Maternity Benefit (Deductible does not apply) | US$3,000 |
| Maternity complications (Deductible does not apply) | US$100,000 |
| Complications and conditions diagnosed within the first 90 days of birth in country of residence ** |
US$100,000 (Vitalicio) |
| Complications and conditions diagnosed within the first 90 days of birth outside country of residence ** |
US$10,000 (Vitalicio) |
| Addition of newborn (Must send birth certificate within 90 days of birth) | Automatic |
**Not related to congenital conditions
Other Benefits
| Description | Coverage |
| Cancer treatment (Chemotherapy, radiotherapy and/or immunotherapy) | 100% |
| 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% |
| Surgical treatment for symptomatic foot disorders due to an accident (Not related to an
accident US$1,000. 24 month waiting period) |
100% |
| Congenital conditions (Diagnosed from age 18) | 100% |
| Congenital conditions (Diagnosed before age 18. Lifetime) | US$100,000 |
| Organ transplant (Lifetime. Medical expenses for organ resection from a donor US$25,000) | US$300,000 |
| Alzheimer | US$25,000 |
| Medical equipment, external prostheses and orthopedic devices | US$25,000 |
| Permanent & total disability of policyholder under 60 years old | US$10,000 |
| Autism | US$1,000 |
| Hearing aid (12 month waiting period. Lifetime) | US$1500 |
| Home health care visit | 10 visits |
Additional Coverage Riders (Optional)
| Maximum Coverage per Insured (Per policy year) US$2,000,000 |
| Travel Assistance - Emergency Medical Air Transportation |
| Hospital Income Benefit |
| Term Life Insurance (US$50,000 or US$100,000) |
| Accidental Death and Dismemberment Insurance (AD&D) |
| Permanent and Total Disability |
The information on this site is for informational purposes. Benefits are detailed in the policy contract.
BMI Financial Group Ⓒ 2024 - All Rights Reserved
Developed by
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