BMI Financial Group Ⓒ 2022 - All Rights Reserved
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• Residents of Latin America or the Caribbean.
• Requires a minimum of 5 full-time employees per group policy.
• The maximum age for enrollment is 69. No age limit for renewal while the group is in force.
• 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.
| I | II | III | IV | V | VI | VII |
| Outside the USA: US$0 /
In the USA: 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 case of an accident in country of residence deductible does not 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.
| Maximum coverage per insured (Per policy year) | US$2,000,000 |
| Geographic coverage | Worldwide |
| Hospital network | Freedom of choice outside the USA / BMI USA Executive Network in the USA |
| Waiting period | 100% coverage for accidents and infectious diseases upon effective date of the policy with a waiting period of 60 days for any other covered illness. |
| BMI Access | Included at no additional cost |
| Description | Coverage |
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| Hospital room | 100% |
| Intensive care unit | 100% |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Diagnostic procedures | 100% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Description | Coverage |
| Ambulatory surgery | 100% |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Physician or specialist visits | 80% |
| Diagnostic procedures | 80% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 80% |
| Medical Visits for Sleep Apnea | Medical Visits for Allergies | 80% |
| Routine medical check-up (Deductible does not apply. Policyholder and Spouse. 24 month waiting period) | US$200 |
| 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 |
| Description | Coverage |
| Prescription drugs during hospitalization | 100% |
| Prescription drugs after hospitalization or ambulatory surgery (Maximum 90 days) | 100% |
| Outpatient prescription drugs (Not related to hospitalization or ambulatory surgery) | US$1,000 |
• 10 month waiting period. Available for deductibles I-II-III. Applies to covered maternities.
| Description | Coverage |
| Maternity (Deductible does not apply) | US$5,000 |
| Maternity complications | US$100,000 |
| Conditions diagnosed within the first 90 days of birth not related to congenital conditions (Lifetime) | US$10,000 |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$1,500 |
| Description | Coverage |
| Hospice or terminal care | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Local ambulance | 100% |
| Home nursing (Maximum 30 days) | 100% |
| Organ transplant (Lifetime) | US$500,000 |
| Medical benefit for organ resection from a donor | US$15,000 |
| Congenital conditions (Diagnosed before age 18. Lifetime) | US$250,000 |
| Congenital conditions (Diagnosed after age 18) | 100% |
| Aids treatment (Lifetime) | US$100,000 |
| Intraoperative prostheses | 100% |
| Medical equipment, external prostheses and orthopedic devices | US$5,000 |
• Disclosed preexisting conditions (not excluded) will be covered as follows:
o Coverage of US$15,000 for groups of 5 to 20 employees, with a waiting period of 12 months
o Coverage of US$30,000 for groups of 21 or more employees, with a waiting period of six months
• Travel Assistance / Air Ambulance / Repatriation
• Air Ambulance / Repatriation
• Air Ambulance
• Dental Care
• Visual Care
• Term Life Insurance
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: | |
Customer Service - Life: | |
Customer Service - Health: | |
BMI Access Service Center - Health: | |
24x7 Emergencies - Health: | |
Customer Service - Travel Assistance Plans: |
BMI Financial Group Ⓒ 2022 - All Rights Reserved
Developed by
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