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 | VII | VIII | IX | X | |
| Outside the USA | US $500 | US $1,000 | US $2,500 | US $5,000 | US $10,000 | US $20,000 | US $30,000 | US $40,000 | US $50,000 | US $60,000 |
| In the USA | US $1,000 | US $2,000 | US $5,000 | US $5,000 | US $10,000 | US $20,000 | US $30,000 | US $40,000 | US $50,000 | US $60,000 |
• 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) | UNLIMITED |
| Waiting period in country of residence | Immediate coverage |
| Waiting period outside country of residence | 30 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Worldwide |
| Hospital network | Freedom of choice |
| Renewals | Guaranteed. No age limit |
| Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
| Elimination of deductible in case of hospitalization due to accident | Applies to deductible options US$500 – US$5,000 |
| Waiver of premium upon death or permanent & total disability of policyholder under 60 years old | 2 years |
| Travel Assistance – Emergency Medical Transportation | Included at no additional cost |
| 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 (Including private) | 100% |
| Intensive care unit | 100% |
| Prescription Drugs | 100% |
| Hospital room charges for companion of hospitalized insured | 100% |
Outpatient Benefits
| Description | Coverage |
| Ambulatory surgery | 100% |
| Visits to physicians and specialists | 100% |
| Laboratory tests and diagnostic services | 100% |
| Prescription Drugs | 100% |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) - Deductibles US$500 - US$5,000 - Deductibles US$10,000+ |
US$750 US$500 |
| 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$250 |
Maternity benefits
•PERÍODO DE ESPERA DE 10 MESES DISPONIBLE PARA DEDUCIBLES US$500 – US$5,000
AVAILABLE FOR DEPENDENTS
| Description | Coverage |
| Maternity outside the USA (Deductible does not apply) | 100% |
| Maternity inside the USA, policies with policyholder and spouse (Deductible does not apply for options US$500 – US$2,500) |
US$15,000 |
| Maternity inside the USA, policies with policyholder (Deductible does not apply for options US$500 – US$2,500) |
US$10,000 |
| Maternity complications (Deductible does not apply outside the USA/ in USA for options US$500 – US$1,000) |
100% |
| Complications of the newborn | 100% |
| Addition of newborn (Must send birth certificate within 90 days of birth) | Automatic |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$2,000 |
| Tubal ligation during delivery (Deductible does not apply. Lifetime) | US$1,000 |
| Circumcision in hospital (Deductible does not apply. Per newborn) | US$1,000 |
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% |
| 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 or in professional sports when the sports team has a health insurance policy in place |
100% |
| Emergency room | 100% |
| Dental treatment due to accident (Deductible does not apply) | 100% |
| Congenital conditions | 100% |
| Nutritionist services | 100% |
| Air ambulance | 100% |
| Local ambulance (Deductible does not apply) | 100% |
| Home nursing | 100% |
| Intraoperative prostheses | 100% |
| Surgical treatment for symptomatic foot disorders due to an accident (not related to an accident US$5,000. 24-month waiting period) |
100% |
| Medical equipment, external prostheses and orthopedic devices | 100% |
| Alzheimer (Maximum of US$100,000 for prescription medication) | 100% |
| Organ transplant (Medical expenses for organ resection from a donor US$100,000) | 100% |
| Aids treatment (Lifetime) | US$1,000,000 |
| Permanent & total disability of policyholder under 60 years old | US$50,000 |
| Bariatric surgery (Lifetime. 24 months waiting period) | US$15,000 |
| Autism | US$5,000 |
| Chiropractic treatment | US$4,000 |
| Cosmetic breast reconstruction (Not related to illness. 24 month waiting period. Lifetime. Policyholder or spouse) | US$4,000 |
| Cosmetic breast reconstruction (Not related to illness. 24 month waiting period. Lifetime. Policyholder or spouse) | US$4,000 |
| Vasectomy (Deductible does not apply. Lifetime) | US$1,000 |
| Hearing aid (12 month waiting period. Lifetime) | US$3,000 |
| Psychiatric consultations (Per visit. Maximum 20 visits) | US$200 |
| Home health care visit | 10 visits |
Additional Coverage Riders (Optional)
Additional Coverage Riders (Optional)
| 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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