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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

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