- 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 with no insured sum limit, which allows you a free choice of hospitals and specialists around the world through our wide network of providers. It has been created for people who have a very active life and who require care without waiting in their country of residence, giving them access to services such as nutrition, breast reconstruction and psychiatric consultations.
General Information
| Description | Coverage |
| 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 |
| Renewals | Guaranteed. No age limit |
| Elimination of deductible in case of hospitalization due to accident | Applies to deductible options I, II, III & IV |
| Exemption of premiums for death or total and permanent disability of the holder | 2 years |
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 | 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 |
• Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
• In case of an accident in country of residence in which one or more family members suffer injury only one deductible per policy year will apply.
• Expenses incurred during the last 90 days of the policy year not exceeding the deductible will be applied to the next policy year period.
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% |
| Accompanying stay | 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 dependent under 18 years old (Deductible do not apply. 12 month waiting period. Automatic for dependents born under a covered maternity) | US$250 |
Maternity benefits
• 10 month waiting period. Available for deductibles I-II-III-IV. Available for dependents
| 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 in hospital (Deductible does not apply. 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% |
| Medical Visits for Sleep Apnea | Medical Visits for Allergies | 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% |
| 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 |
| Total and permanent disability of the holder | US$50,000 |
| 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 |
| Psychiatric consultations (Per visit. Maximum 20 visits) | US$200 |
| Hearing aid (12-month waiting period. US$3,000 lifetime) | US$3,000 |
| Alzheimer's | US$100,000 |
Additional Coverage Riders (Optional)
• Travel Assistance / Emergency Medical Transportation
• Term Life Insurance (US$50,000 or US$100,000)
Travel Assistance - Medical Emergency Transportation
* INCLUDED AT NO ADDITIONAL COST.
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 | 100% |
| 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$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 | |
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
Does not apply
Coinsurance within the network vive Costa Rica
Does not apply
Out-of-network coinsurance vive Costa Rica
Does not apply
Waiting period
Does not apply
Emergency coverage outside of Costa Rica
Does not apply
Supplements
Not applicable
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