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Flexi Plan III Latin America
Eligibility
- The maximum enrollment age is 70 years. No age limit for renewal.
- 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 |
| US$250 | 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.
- Only one deductible applies per family, per policy year, in the event of a joint accident in the country of residence.
- 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.
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
Downloadable
Brochure Flexi Plan III Latin America
1 file (s) 633.15KB
Contact Us
Headquarters
- 15 Calle 1-11 Zona 10, TerraEsperanza BMI Building, Level 3
- (502) 2501-2222
- bmiguatemala@bmicos.com
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