BMI Financial Group Ⓒ 2025 - All Rights Reserved
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Eligibility
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 |
Travel Assistance-Medical Emergency Transportation
OPTIONAL
TRAVEL ASSISTANCE BENEFIT:
EMERGENCY MEDICAL TRANSPORTATION BENEFITS:
| Air ambulance | 100% |
| 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) | US$7,000,000 |
| Waiting period | 30 days / Immediate coverage for accidents and infectious diseases |
| Geographic coverage | Worldwide |
| Hospital network | Freedom of choice |
| Renewals | Guaranteed. No age limit |
| Temporary emergency coverage due to accident while application is being underwritten | US$50,000 |
| Elimination of deductible in case of hospitalization or ambulatory surgery in hospital outside the USA. | Applies to deductible options I, II & III |
| Waiver of premium upon death or permanent & total disability of policyholder under 60 years old | 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 (Per day. Maximum 30 days) | US$400 |
Outpatient Benefits
| DESCRIPTION | COVERAGE |
| Ambulatory surgery | 100% |
| Visits to physicians and specialists | 100% |
| Laboratory tests and diagnostic services | 100% |
| Prescription drugs in country of residence
– outside the country of residence after hospitalization or outpatient surgery (Max. 90 days) – outside the country of residence not related to hospitalization or outpatient surgery |
100% |
| 100% | |
| US$7,500 | |
| Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 months waiting period) | US$300 |
Maternity benefits
10-MONTH WAITING PERIOD AVAILABLE FOR DEDUCTIBLES I-II-III-IV AVAILABLE FOR DEPENDENT DAUGHTERS
| DESCRIPTION | COVERAGE |
| Maternity (Deductible does not apply) | US$7,500 |
| Maternity complications | 100% |
| Conditions diagnosed within the first 90 days of birth (Lifetime) | US$500,000 |
| Umbilical cord stem cells preservation (Deductible does not apply. Per newborn) | US$1,500 |
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% |
| 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 (Diagnosed after 90 days of birth) | 100% |
| Nutritionist services | 100% |
| Local ambulance (Deductible does not apply) | 100% |
| Home nursing (Maximum 180 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ transplant (Lifetime) | US$1,500,000 |
| Medical benefit for organ resection from a donor | US$50,000 |
| Aids treatment (Lifetime) | US$500,000 |
| Medical equipment, external prostheses and orthopedic devices | US$50,000 |
| Alzheimer's | US$50,000 |
| Permanent & total disability of policyholder under 60 years old | US$50,000 |
| Bariatric surgery (Lifetime. 24 months waiting period) | US$10,000 |
| Surgical treatment for symptomatic foot disorders (24 month waiting period) | US$2,500 |
| Autism | US$2,500 |
| Hearing aid (12-month waiting period. US$1,500 lifetime) | US$250 per year |
| Home health care visit | 5 visits |
Supplements
Does not apply.
OPTIONAL additional coverage annex
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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