BMI Financial Group Ⓒ 2025 - All Rights Reserved
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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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BMI Financial Group Ⓒ 2025 - All Rights Reserved
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