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Series 3000

  • 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.

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
  • 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 BENEFIT:

  • BMI will cover the deductible amount –up to a maximum of US$5,000- in the event of a medical emergency due to accident or illness during a trip outside the country of residence. A copayment of $100 applies.
  • The amount covered by BMI will be applied to the annual deductible of the contracted policy.
  • Follow-up visits will be covered according to the benefits of the policy. The insured will assume any remaining amount until reaching the limit of his deductible.

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

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

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%

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

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

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

Does not apply.

• 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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