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 60 and over
• Plan not available for Puerto Rico, US Virgin Islands, Cuba and Brazil.
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.
• Expenses incurred during the last 90 days of the policy year not exceeding the deductible will be applied to the next
policy year period.
period of the policy year.
General Information
| Maximum coverage per insured (Per policy year) | US$250,000 (US$500,000 optional) |
| 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 |
| 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% |
Outpatient Benefits
Outpatient surgery100%
| Description | Coverage |
| Ambulatory surgery | 100% |
| Outpatient services (Maximum US$10,000)
Includes: |
100% |
| Prescription drugs after hospitalization or surgery (Maximum 15 days) | 100% |
| Prescription drugs non related to hospitalization or surgery | US$2,000 |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) | US$150 |
Maternity benefits
Other Benefits
| Description | Coverage |
| Chemotherapy, radiotherapy and dialysis (Maximum $50,000) | 80% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Home nursing (Maximum 15 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$250,000 |
| Medical benefit for organ resection from a donor | US$25,000 |
| Air ambulance | US$35,000 |
| Transportation expenses for companion | US$1,000 |
| Alzheimer | US$5,000 |
| Medical equipment, external prostheses and orthopedic devices | US$2,500 |
| Hearing aid (12 month waiting period. Lifetime) | US$1,500 |
Additional Coverage Riders (Optional)
Maximum coverage per insured (Per policy year) US$500,000
Term Life Insurance (US$50,000 or US$100,000)
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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