Eligibility
Deductible Options
I | II | III | IV | V | VI | VII | VIII | IX | X | |
Outside the USA | US $500 | US $1,000 | US $2,500 | US $5,000 | US $10,000 | US $20,000 | US $30,000 | US $40,000 | US $50,000 | US $60,000 |
In the USA | US $1,000 | US $2,000 | US $5,000 | US $5,000 | US $10,000 | US $20,000 | US $30,000 | US $40,000 | US $50,000 | US $60,000 |
Travel Assistance-Medical Emergency Transportation
TRAVEL ASSISTANCE BENEFIT:
EMERGENCY MEDICAL TRANSPORTATION BENEFITS:
Transportation expenses for accompanying family member * | When not allowed to accompany the insured on the air ambulance to the medical facility |
Living expenses for accompanying family member * | US$100 per day, maximum 5 days |
Medical Repatriation * | US$25,000 |
Air ticket back to the country of residence (insured and companion) * | US$1,000 per person, per event |
Airfare for companion if hospitalized (more than 5 days) during a trip | US$1,000 |
Repatriation of mortal remains or cremation services | 100% |
Return of minor children due to policyholder’s death | US$1,000 per policy |
*Following an air ambulance service |
General Information
Maximum coverage per insured (Per policy year) | UNLIMITED |
Waiting period in country of residence | Immediate coverage |
Waiting period outside country of residence | 30 days / Immediate coverage for accidents and infectious diseases |
Geographic coverage | Worldwide |
Hospital network | Freedom of choice |
Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
Elimination of deductible in case of hospitalization due to accident | Applies to deductible options I, II, III & IV |
Exemption of premiums due to death or total and permanent disability of the holder under 60 years |
2 years |
Hospitalization Benefits
Description | Coverage |
Medical and surgical charges | 100% |
Physician fees | 100% |
Laboratory tests and diagnostic services | 100% |
Hospital room (Including private) | 100% |
Intensive care unit | 100% |
Prescription Drugs | 100% |
Hospital room charges for companion of hospitalized dependent under 18 years old | 100% |
Outpatient Benefits
Description | Coverage |
Ambulatory surgery | 100% |
Visits to physicians and specialists | 100% |
Laboratory tests and diagnostic services | 100% |
Prescription Drugs | 100% |
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$500 |
Routine immunizations for dependents under the age of 18 (No deductible. Waiting period 12 months. Automatic for dependents born under a covered maternity) |
US$250 |
Maternity benefits
10-MONTH WAITING PERIOD – AVAILABLE FOR I-II-III-IV DEDUCTIBLES – AVAILABLE FOR DEPENDENT DAUGHTERS
Description | Coverage |
Maternity outside the USA (Deductible does not apply) | 100% |
Maternity inside the USA, policies with policyholder and spouse (Deductible does not apply for options I & II) | US$15,000 |
Maternity inside the USA, policies with policyholder (Deductible does not apply for options I & II) | US$10,000 |
Maternity complications (Deductible does not apply outside the USA/ in USA for options I & II) | 100% |
Complications of the newborn | 100% |
Addition of newborn (Must send birth certificate within 90 days of birth) | Automatic |
Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$2,000 |
Tubal ligation during delivery (Deductible does not apply. Lifetime) | US$1,000 |
Circumcision of the newborn in the hospital (No deductible. Per newborn) | US$1,000 |
Other Benefits
DESCRIPTION | COVERAGE |
Chemotherapy, radiotherapy and dialysis | 100% |
Cancer risk reduction surgery (Prophylactic surgery) | 100% |
Reconstructive surgery due to illness | 100% |
Physical therapy, occupational therapy and language therapy due to illness or covered accident | 100% |
Hospice or terminal care | 100% |
Treatment for injuries as a result of participation in non-professional sports | 100% |
Emergency room | 100% |
Dental treatment due to accident (Deductible does not apply) | 100% |
Congenital conditions | 100% |
Nutritionist services | 100% |
Air ambulance | 100% |
Local ambulance (Deductible does not apply) | 100% |
Home nursing | 100% |
Intraoperative prostheses | 100% |
Organ transplant | 100% |
Medical benefit for organ resection from a donor | US$100,000 |
Aids treatment (Lifetime) | US$500,000 |
Medical equipment, external prostheses and orthopedic devices | US$100,000 |
Alzheimer's | US$100,000 |
Permanent & total disability of policyholder under 60 years old | US$50,000 |
Bariatric surgery (Lifetime. 24 months waiting period) | US$15,000 |
Surgical treatment for symptomatic foot disorders (24 month waiting period) | US$5,000 |
Autism | US$5,000 |
Chiropractic treatment | US$4,000 |
Cosmetic breast reconstruction (Not related to illness. 24 month waiting period. Lifetime. Policyholder or spouse) | US$4,000 |
Vasectomy (Deductible does not apply. Lifetime) | US$1,000 |
Hearing aid (12-month waiting period. US$3,000 lifetime) | US$500 per year |
Psychiatric consultations (Per visit. Maximum 20 visits) | US$200 |
Home health care visit | 5 visits |
Supplements
Does not apply.
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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