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Executive Plus Plan

Eligibility

Residents of Latin America and the Caribbean.
Requires a minimum of 5 employee holders per group policy, who must be on active duty and work full time for the employer.
The maximum enrollment age is 74 years. No age limit for renewal while the group is in force.
Dependent children up to their 18th birthday or who are single and reside with the policy holder until their 30th birthday. Dependents who study full-time outside the country of residence until they are 24 years old.
A medical examination is required from 65 years of age.

Deductible Options

I	II	III	IV	V	VI	VII
Outside the US: US$0 / In the US: US$500	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 the event of an accident treated in the country of residence, no deductible applies.
Expenses incurred during the last 90 days of the policy year that do not exceed the deductible will be applied to the next period of the policy year.

Declared pre-existing conditions

Declared pre-existing medical conditions will be covered unless they have been permanently excluded in the certificate of insurance:
- Coverage of US$15,000 for groups of 5 to 20 employees, with a waiting period of 12 months.
- Coverage of US$30,000 for groups of 21 or more employees, with a 6-month waiting period.

BMI Access (Included at no additional cost)

The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.
The insured should only contact BMI Access to be assigned a Medical Coordinator, who will be their guide to coordinate any services or benefits available in their health policy.

bmiaccess@bmicos.com | Master Phone: +1(305)665-4817 | US Phone: 1-800-882-7796 | WhatsApp: +1(829)760-3152

General Information

Maximum coverage per insured (Per policy year)	US$3,000,000
Waiting period	60 days / Immediate coverage for accidents and infectious diseases
Geographic coverage	Worldwide
Hospital network	Free election outside the US / BMI USA Network Executive in the US
Out-of-Network Emergency Medical Treatment BMI USA Executive	US$50,000 per incident

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%
Stay for companion for hospitalization (Per day. Maximum 30 days)	US$150

Outpatient Beneﬁts

DESCRIPTION	COVERAGE
Ambulatory surgery	100%
Visits to physicians and specialists	100%
Laboratory tests and diagnostic services	100%
Medications after hospitalization or surgery (Maximum 90 days)	100%
Prescription drugs non related to hospitalization or surgery	US$10,000
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period)	US$200
Routine immunizations for dependent under 18 years old (Deductible do not apply. 12 month waiting period. Automatic for dependents born under a covered maternity)	US$100

Maternity benefits

10-MONTH WAITING PERIOD
AVAILABLE FOR DEDUCTIBLES I-II-III-IV

DESCRIPTION	COVERAGE
Maternity (Deductible does not apply)	US$5,000
Maternity complications	US$100,000
Conditions diagnosed in the first 90 days of the newborn (Lifetime)*	US$50,000
Umbilical cord stem cells preservation (Deductible does not apply. Per newborn)	US$1,500

*Not related to congenital conditions

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%
Local ambulance	100%
Home nursing (Maximum 30 days)	100%
Intraoperative prostheses	100%
Organ transplant (Lifetime)	US$1,000,000
Medical benefit for organ resection from a donor	US$30,000
Congenital conditions (Diagnosed before age 18. Lifetime)	US$250,000
Congenital conditions (Diagnosed from age 18)	100%
Aids treatment (Lifetime)	US$100,000
Medical equipment, external prostheses and orthopedic devices	US$15,000
Surgical treatment for symptomatic foot disorders (24 month waiting period)	US$1,000
Autism	US$1,000
Hearing aid (12 month waiting period. Lifetime)	US$1,000

Additional Coverage Riders (Optional)

TRAVEL ASSISTANCE / AIR AMBULANCE / REPATRIATION

BMI will cover the amount of the deductible -up to a maximum of US$5,000- in case of a medical emergency due to
accident or illness during a trip outside the country of residence.
The amount covered by BMI will be applied to the deductible
annual contracted policy.
Follow-up visits will be covered according to the benefits of the policy. The insured
You will assume any remaining amount until you reach your deductible limit.
Benefits:

Emergency Medical Air Transportation / Air Ambulance	100%
medical repatriation	US$25,000
Repatriation of mortal remains or cremation services	US$10,000
return of minors	US$1,000
Transportation of the companion	US$1,000
Stay of the companion (Per day. Maximum 5 days)	US$100

AIR AMBULANCE / REPATRIATION

Emergency Medical Air Transportation / Air Ambulance	100%
medical repatriation	US$25,000
Repatriation of Mortal Remains	US$10,000

AIR AMBULANCE

Emergency Medical Air Transportation / Air Ambulance

100%

DENTAL CARE

Coverage within the country of residence, for reimbursement.
6 month waiting period. Applies a deductible of US$50 per person, per policy year

Maximum coverage per insured (Per policy year)	US$2,000
Preventive: oral exam, routine cleaning, plain x-rays	100%
Restorative: fillings, extractions, crowns, bridges, endodontics, root canal treatment	80%
Orthodontia (For dependents up to 18 years of age)	80%

EYE CARE

Maximum coverage per insured (Per policy year)	US$500
Routine eye exam	100%
Lenses, frames and contact lenses	80%

TERM LIFE INSURANCE

Benefit: the options of US$50,000 or US$100,000 are offered for death, both for the holder and for the spouse.
Eligibility: owner and/or spouse applying for health insurance with BMI. Medical evaluation is required along with the health insurance application.

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