Eligibility
Deductible Options
I | II | III | IV | V | VI | VII |
US$250 | US$500 | US$1,000 | US$2,500 | US$5,000 | US$10,000 | US$20,000 |
Travel Assistance-Medical Emergency Transportation
Does not apply.
General Information
Maximum coverage per insured (Per policy year) | US$500,000 |
Waiting period | 60 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 |
Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
Emergency medical treatment outside area of coverage | US$25,000 |
Waiver of premium upon death or permanent & total disability of policyholder under 60 years old | 2 years |
Hospitalization Benefits
DESCRIPTION | COVERAGE |
Medical and surgical charges | 100% |
Physician fees | 100% |
Hospital room (Per day. Maximum 240 days) | US$400 |
Intensive care unit (Per day. Maximum 240 days) | US$800 |
Chemotherapy, radiotherapy and dialysis | 100% |
Laboratory tests and diagnostic services | 100% |
Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
Prescription Drugs | 100% |
Treatment for injuries as a result of participation in non-professional sports | 100% |
Congenital conditions | 100% |
Hospital indemnity (Per day. Maximum 10 days) | US$100 |
Outpatient Benefits
DESCRIPTION | COVERAGE |
Ambulatory surgery | 100% |
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$250 |
Maternity benefits
Does not apply.
Other Benefits
DESCRIPTION | COVERAGE |
Complications of pregnancy (Ectopic pregnancy, spontaneous/not elective abortion, death of the embryo or fetus, hydatidiform) | 100% |
Dental treatment due to accident (Deductible does not apply) | 100% |
Home nursing (Maximum 30 days) | 100% |
Cancer risk reduction surgery (Prophylactic surgery) | 100% |
Reconstructive surgery due to illness | 100% |
Organ transplant (Lifetime) | US$500,000 |
Medical benefit for organ resection from a donor | US$25,000 |
Permanent & total disability of policyholder under 60 years old | US$50,000 |
Local ambulance (Deductible does not apply) | US$1,000 |
Supplements
OPTIONAL
Maximum coverage per insured (Per policy year) | US$1,500,000 |
Hospital room and intensive care unit (Maximum 240 days) | 100% |
Outpatient Service Includes: Outpatient chemotherapy, radiotherapy and dialysis – Medications after hospitalization/outpatient surgery (90 days) – Laboratory tests and diagnostic services – Physiotherapy, occupational therapy and speech therapy due to covered illness or accident – Treatment for injuries resulting from participation in non-professional sports – Congenital conditions |
80% or 100% 100% according to % selected according to % selected according to % selected according to % selected according to % selected |
OPTIONAL additional coverage annex
• Term Life Insurance (US$50,000 or US$100,000)
BMI Access
The BMI Access Service Center provides 24×7 assistance and exclusive benefits for all BMI health policyholders. Included at no additional cost. Know all the benefits
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