BMI Financial Group Ⓒ 2024 - All Rights Reserved
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• Any person who resides in Latin America or the Caribbean. The maximum age for enrollment is 74.
• 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 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 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 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 |
| 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$25,000 per incident |
| 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% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
| Description | Coverage |
| Ambulatory surgery | 100% |
| Physician or specialist visits | 80% |
| Laboratory tests and diagnostic services | 80% |
| Physical therapy, occupational therapy and language therapy due to illness or covered accident | 80% |
| Medications after hospitalization or surgery (Maximum 90 days) | 100% |
| Prescription drugs non related to hospitalization or surgery | US$1,000 |
| 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 |
| 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 |
| 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$10,000 |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$1,500 |
| Description | Coverage |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Cancer risk reduction surgery (Prophylactic surgery) | 100% |
| Reconstructive surgery due to illness | 100% |
| Hospice or terminal care | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Local ambulance | 100% |
| Home nursing (Maximum 30 days) | 100% |
| Intraoperative prostheses | 100% |
| Medical Visits for Sleep Apnea | Medical Visits for Allergies | 80% |
| 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 from age 18) | 100% |
| Aids treatment (Lifetime) | US$100,000 |
| 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
BMI will cover the amount of the deductible -up to a maximum of US$5,000- in the event 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 annual deductible of the contracted policy.・Follow-up visits will be covered under the benefits of the policy. The insured will assume any remaining amount until reaching the limit of his deductible.・ 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.
・Waiting period of 6 months. A deductible of US$50 per person, per policy year applies.
| 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
・Coverage within the country of residence, for reimbursement.
・6 month waiting period
| Maximum coverage per insured (Per policy year) | US$500 |
| Routine eye exam | 100% |
| Lenses, frames and contact lenses | 80% |
TERM LIFE INSURANCE
・Benefit: US$50,000 or US$100,000 death options are offered for both the owner and the spouse.
・Eligibility: Owner and/or spouse who is 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.
BMI Financial Group Ⓒ 2024 - All Rights Reserved
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