- San Rafael de Escazú, BMI Building, Calle Parallel to Route 27, San José, Costa Rica
- 0800-200-20-20
It is our international health plan that provides you with a maximum coverage of US$1,000,000, which has been designed for those people who require very good medical care at an affordable price according to their lifestyle and budget. Access to a wide network with the most recognized hospitals in the USA and Latin America. It has coverage for medical and surgical services, doctor's fees and outpatient surgery.
General Information
| Description | Coverage |
| Maximum coverage per insured (Per policy year) | US$1,000,000 |
| Geographic coverage | Worldwide |
| Hospital network | International Network in Latin America / BMI USA Azure Network in the US |
| Renewals | Guaranteed. No age limit |
| Out-of-network emergency medical treatment | US$25,000 |
Eligibility
• Residents of Latin America and the Caribbean. No age limit for issuance and renewal.
• Dependent children up to their 18th birthday or if they are single and residing with the policyholder up to their 30th birthday. Dependents studying full-time outside their country of residence until their 24th birthday.
• Medical examination is required (the insurer reserves the right to waive the medical examination, according to a declaration of good health and / or evidence presented by the proposed insured)
Deductible Options
| I | II | III | IV | |
| Within Latin America | US$250 | US$500 | US$, 1000 | US$5,000 |
| Outside Latin America | US$1,000 | US$2,500 | US$5,000 | US$10,000 |
Hospitalization Benefits
| Description | Coverage |
| Medical and surgical charges | 100% |
| Physician fees | 100% |
| Laboratory tests and diagnostic services | 100% |
| Hospital room in Latin America (Maximum stay 180 days) | 90% |
| Hospital room outside of Latin America (Maximum stay 180 days) | US$850 daily |
| Prescription Drugs | 100% |
| Intensive care unit (Maximum stay 180 days) | 100% |
Outpatient Benefits
| Description | COVERAGE |
| Ambulatory surgery | 100% |
| Visits to physicians and specialists | 100% |
| Laboratory tests and diagnostic services | 100% |
| Medications after hospitalization or surgery (Maximum 90 days) | 100% |
| Routine medical check-ups (No deductible. Holder and spouse) | US$150 |
Maternity benefits
| Description | Coverage |
| Maternity (Deductible does not apply) | US$4,000 |
| Maternity complications | US$25,000 |
| Birth complications | US$25,000 |
| Congenital conditions before turning 18 years of age (Born under covered maternity | US$100,000 |
| Congenital conditions after turning 18 years of age (Born under covered maternity) | US$1,000,000 |
| ** Not related to congenital conditions | |
Other Benefits
| Description | Coverage |
| Chemotherapy, radiotherapy and dialysis | 100% |
| Reconstructive surgery due to illness | US$25,000 |
| Physical therapy, occupational therapy and speech therapy for covered illness or accident (Max. 20 sessions) | US$50 per session |
| Treatment for injuries as a result of participation in non-professional sports | 100% |
| Emergency room | 100% |
| Dental treatment by accident | US$25,000 |
| Local ground ambulance (By event) | $1,500 |
| Prescribed medications not related to hospitalization or outpatient surgery | US$15,000 |
| Home nursing (Maximum 30 days) | 100% |
| Intraoperative prostheses | 100% |
| Organ transplant (Lifetime) | US$250,000 |
| Medical equipment, external prostheses and orthopedic devices | US$10,000 |
| Congenital diseases | US$5,000 |
Additional Coverage Riders (Optional)
• Travel Assistance / Emergency Medical Transportation
• Term Life Insurance (US$50,000 or US$100,000)
Travel Assistance - Medical Emergency Transportation
*OPTIONAL.
TRAVEL ASSISTANCE BENEFIT:
• BMI will waive the deductible -up to US$5,000- in case of a medical emergency due to illness or accident while traveling outside the country of residence.
• The amount of deductible waived by BMI will be applied to the policy annual deductible.
• Follow-up visits will be covered as per policy benefits. The insured will be responsible for any remaining deductible until the annual deductible is reached.
EMERGENCY MEDICAL TRANSPORTATION BENEFITS:
| Air ambulance | US$50,000 lifetime |
| Transportation expenses for accompanying family member when not allowed travel to the medical center in the air ambulance * |
US$1,000 |
| Living expenses for accompanying family member * | US$100 per day, maximum 5 days |
| Medical repatriation * | US$10,000 |
| 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 | |
BMI Access
* INCLUDED AT NO ADDITIONAL COST.
The BMI Access Service Center provides 24x7 assistance and exclusive benefits to all BMI health insureds.
The insured should only contact BMI Access to be assigned a Medical Coordinator, who will be their guide to coordinate any services or benefits available in their health policy.
BMI MD Live
* INCLUDED AT NO ADDITIONAL COST.
BMI MD Live is a telehealth service that provides access to a network of certified physicians via phone or video call to diagnose medical conditions, provide treatment plans, and prescribe medications if necessary.
Available 24/7 worldwide, this convenient service saves policyholders on medical expenses and helps prevent unnecessary visits to the emergency room or urgent care center.
Contact BMI Access to enjoy BMI MD Live:
bmiaccess@bmicos.com
Tel .: +1(305)665-4817
US Tel: 1-800-882-7796
Whatsapp: +1(829)760-3152
Application for: BMI Access
Coinsurance
| Within Latin America | 0% |
| Outside Latin America | 20% of the first US$5,000 |
Coinsurance within the network vive Costa Rica
Does not apply
Out-of-network coinsurance vive Costa Rica
Does not apply
Waiting period
• 90-day waiting period. No waiting period for accidents and infectious diseases from the effective date.
• 6 months for: Tonsillotomy.
• 10 months for: Maternity and maternity complications.
• 12 months for: Hernias of any kind, whether due to illness or accident, organ transplant, medical check-up; expenses, treatments and procedures related to diseases of the uterus, ovaries, pelvic floor, endometriosis and fibrosis, cysts and / or breast tumors; expenses, treatments and procedures related to gallstones, bile ducts, kidney and urinary tract; expenses, treatments and procedures related to osteoarthritis, spondylosis, herniated discs and any other disease or spinal injury, regardless of whether they occur due to accident or emergency.
• 18 months for: Cataract and Glaucoma.
Emergency coverage outside of Costa Rica
Does not apply
Supplements
Does not apply
• Information:
• Essential Network - Suppliers
For medical visits and treatments outside of a hospital or states not included in this list, any provider in the Global Reach / Aetna network applies.
• Global Reach / Aetna Network
• Red Azure BMI USA
• International network
Contact Us
BMI Costa Rica
About Us
BMI
Portfolio
Resources
Contact
BMI Financial Group Ⓒ 2024 - All Rights Reserved
Developed by 
Request a quote
