BMI Financial Group Ⓒ 2025 - All Rights Reserved
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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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