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Ideal

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
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 following period
of the policy year.

Travel Assistance-Medical Emergency Transportation

OPTIONAL

TRAVEL ASSISTANCE BENEFIT:

BMI will cover the amount of the deductible -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.
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:

Air ambulance	100%
Living expenses for accompanying family member *	When not allowed to accompany the insured on the air ambulance to the medical facility
Transportation 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	US$10,000
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)	US$500,000 (US$1,500,000 optional)
Waiting period	30 days / Immediate coverage for accidents and infectious diseases
Geographic coverage	Worldwide
Hospital network	Free choice outside the US / Ideal BMI USA Network in the USA
Renewals	Guaranteed. No age limit
Temporary emergency coverage due to accident while application is being underwritten	US$50,000
50% deductible reduction in case of hospitalization in country of residence	Applies to deductible options I, II & III
Emergency medical treatment outside the Ideal BMI USA Network	US$50,000
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 (Maximum 240 days)	100%
Intensive care unit (Maximum 240 days)	100%
Prescription Drugs	100%
Hospital room charges for companion of hospitalized dependent under 18 years old (Per day. Maximum 30 days)	US$100

Outpatient Beneﬁts

DESCRIPTION	COVERAGE
Ambulatory surgery	100%
Outpatient services (Maximum US$10,000)	100%
Includes: Visits to doctors and specialists – 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
Medications after hospitalization or surgery (Maximum 30 days)	100%
Prescription drugs non-related to hospitalization or surgery	US$2,000
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period)	US$150

Maternity benefits

10-MONTH WAITING PERIOD
AVAILABLE FOR DEDUCTIBLES I-II-III
AVAILABLE FOR DEPENDENT DAUGHTERS

DESCRIPTION	COVERAGE
Maternity (Deductible does not apply)	US$2,500
Maternity complications	US$50,000
Conditions diagnosed in the first 90 days of the Newborn ** (Lifetime)	US$10,000

** Not related to congenital conditions

Other Beneﬁts

DESCRIPTION	COVERAGE
Chemotherapy, radiotherapy and dialysis	100%
Cancer risk reduction surgery (Prophylactic surgery)	100%
Reconstructive surgery due to illness	100%
Dental treatment due to accident (Deductible does not apply)	100%
Home nursing (Maximum 30 days)	100%
Intraoperative prostheses	100%
Local ambulance (Deductible does not apply)	100%
Congenital conditions (Diagnosed before age 18. Lifetime)	US$100,000
Congenital conditions (Diagnosed from age 18)	100%
Organ transplant (Lifetime)	US$300,000
Medical benefit for organ resection from a donor	US$25,000
Permanent & total disability of policyholder under 60 years old	US$10,000
Medical equipment, external prostheses and orthopedic devices	US$5,000

Supplements

Does not apply.

OPTIONAL additional coverage annex

Maximum coverage per insured (Per policy year) US$1,500,000
Travel Assistance / Emergency Medical Transportation
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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Ideal Brochure

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