Flexi Plan III Latin America

  • 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.

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.

Does not apply.


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

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

Ambulatory surgery 100%
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) US$250

Does not apply.

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



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%
according to % selected
according to % selected
according to % selected
according to % selected
according to % selected

• Term Life Insurance (US$50,000 or US$100,000)

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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