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Executive Health Plan

ELIGIBILITY

・Requires a minimum of 5 employee holders per group policy, who must be on active duty and work full time for the employer.

・The maximum enrollment age is 69 years old. No age limit for renewal while the group is valid.

・Dependents until they are 18 years of age or who are single and reside with the policyholder until they are 30 years of age. Dependents who study full time outside the country of residence until they are 24 years old.

・Medical examination is required from the age of 65.

DEDUCTIBLE

・Applies per insured, per policy year, up to a maximum of 2 deductibles per family.

・In the event of an accident treated in the country of residence, the deductible does not apply.

・Expenses incurred during the last 90 days of the policy year that do not exceed the deductible will be applied to the following period of the policy year.

DEDUCTIBLE OPTIONS

I	II	III	IV	V	VI	VII
Outside the US: US$0 / In the US: US$500	US$500	US$1,000	US$2,500	US$5,000	US$10,000	US$20,000

DECLARED PRE-EXISTING CONDITIONS

・Declared pre-existing medical conditions will be covered unless permanently excluded on the insurance certificate:
– Coverage of US$15,000 for groups of 5 to 20 employees, with a waiting period of 12 months.
– Coverage of US$30,000 for groups of 21 or more employees, with a waiting period of 6 months

WAITING PERIOD

・100% coverage for accidents and infectious diseases from the effective date, with a 60-day waiting period for any other covered conditions.

BMI ACCESS PROGRAM (INCLUDED AT NO ADDITIONAL COST)

・BMI Access is a program for all health policyholders that provides permanent supervision and assistance from a BMI Medical Coordinator who guides access to all benefits:

HOSPITALIZATION BENEFITS

Medical and Surgical Services	100%
Medical fees	100%
Hospital Room	100%
Intensive care unit	100%
Chemotherapy, Radiotherapy and Dialysis	100%
Diagnostic Procedures	100%
Physiotherapy, Occupational Therapy and Speech Therapy for covered Illness or Accident	100%

OUTPATIENT BENEFITS

Ambulatory surgery	100%
Chemotherapy, Radiotherapy and Dialysis	100%
Visits to Doctors or Specialists	80%
Diagnostic Procedures	80%
Physiotherapy, Occupational Therapy and Speech Therapy for covered Illness or Accident	80%
Medical Visits for Sleep Apnea \| Medical Visits for Allergies	80%
Routine Medical Checkups (No deductible. Holder and spouse. Waiting period of 12 months)	US$200
Routine Immunizations for dependents under the age of 18 (No deductible. Waiting period	US$100
12 months. Automatic for dependents born under a covered maternity)

PRESCRIPTION DRUGS

Medications during Hospitalization	100%
Medications after Hospitalization or Outpatient Surgery (Maximum 90 days)	100%
Outpatient Medications not related to Hospitalization or Outpatient Surgery	US$1,000

MATERNITY BENEFITS (THEY APPLY IN CASE OF A MATERNITY COVERED BY THE POLICY)

AVAILABLE FOR DEDUCTIBLES I-II-III-IV. 10-MONTH WAITING PERIOD.

Maternity (Deductible does not apply)	US$5,000
Maternity Complications	US$100,000
Conditions diagnosed in the first 90 days of the Newborn* (Lifetime)	US$10,000
Preservation of Stem Cells from the Umbilical Cord (No deductible. Per newborn)	US$1,500

OTHER BENEFITS

Hospice or Terminal Care	100%
Cancer Risk Reduction Surgery (Prolactic Surgery)	100%
Reconstructive Surgery due to Disease	100%
Accidental Dental Treatment (No Deductible)	100%
local ambulance	100%
Home Nurse (Maximum 30 days)	100%
Organ Transplant (Lifetime)	US$500,000
Medical Expenses for Resection of Organs from a Living Donor Family Member	US$15,000
Congenital Conditions (Diagnosed before the age of 18. Lifetime)	US$250,000
Congenital Conditions (Diagnosed after age 18)	100%
AIDS treatment (for life)	US$100,000
Intraoperative Prostheses	100%
Medical Equipment, External Prosthetics and Orthopedic Devices	US$5,000

TRAVEL ASSISTANCE / AIR AMBULANCE / REPATRIATION

Offers elimination of the deductible for the first US$5,000 in medical expenses due to a medical emergency due to accident or illness during a trip outside the country of residence. Copay of US$100 applies. Follow-up visits are covered according to the benefits of the policy and the deductible applies.

·Profits:

Emergency Medical Air Transportation / Air Ambulance	100%
Medical Repatriation	US$25,000
Repatriation of Mortal Remains or Cremation Services	US$10,000
Return of Minors	US$1,000
Companion Transportation	US$1,000
Stay of the Companion (Per day. Maximum 5 days)	US$100

AIR AMBULANCE / REPATRIATION

·Profits:

Emergency Medical Air Transportation / Air Ambulance	100%
Medical Repatriation	US$25,000
Repatriation of Mortal Remains	US$10,000

AIR AMBULANCE

·Benefit:

Emergency Medical Air Transportation / Air Ambulance

100%

DENTAL CARE

・Coverage within the country of residence, by reimbursement.

・6-month waiting period. A deductible of US$50 per person, per policy year applies.

·Profits:

Maximum Coverage per Insured (Per policy year)	US$2,000
Preventive: Oral Examination, Routine Cleaning, Simple X-Rays	100%
Restorative: Fillings, Extractions, Crowns, Bridges, Endodontics, Root Canal Treatment	80%
Orthodontics (For dependents up to 18 years of age)	80%

EYE CARE

・Coverage within the country of residence, by reimbursement.

・6-month waiting period.

·Profits:

Maximum Coverage per Insured (Per policy year)	US$500
Routine Ophthalmological Examination	100%
Lenses, Frame and Contact Lenses	80%

TERM LIFE INSURANCE

・Benefit: The options of US$50,000 or US$100,000 are offered for death, both for the owner and for the spouse.

・Eligibility: Owner and/or spouse applying for health insurance with BMI. Medical evaluation is required along with the health insurance application.

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EXECUTIVE HEALTH PLAN

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