Frequently asked questions about BMI health policies in Colombia

BMI Seguros Colombia offers two types of health policy. The international policies (Meridian II, Azure Plus and Ideal) provide worldwide coverage, in dollars. The national policies (Esencial Plus, Esencial Care and Esencial) give access to a private network of clinics in Colombia and complement the EPS. Separately, there is the Surgical Complications policy.

International policies cover you inside and outside Colombia, in dollars. They include travel assistance and the BMI Access program. National policies work with a private network of clinics and hospitals in Colombia and are purchased as a complement to the EPS.

Yes, but only with the USD 1,000 and USD 2,500 deductibles. Meridian II, Azure Plus and Ideal include maternity and newborn coverage, with each policy's waiting periods and conditions. With deductibles of USD 5,000 or more, maternity is not included.

BMI Access is a medical support program. A specialized Medical Coordinator guides the insured on their benefits, treatments and services. It is included in all three international policies: Meridian II, Azure Plus and Ideal.

For Esencial, Esencial Care and Esencial Plus, the maximum enrollment age is 65. Esencial Care and Esencial Plus can be renewed up to age 100. The international policies have a different maximum enrollment age depending on the product and are renewable with no age limit.

Yes. Enrollment in an EPS is a requirement to purchase the Esencial, Esencial Care and Esencial Plus policies. These policies complement your EPS: they give you access to a private network of clinics, more comfort during hospitalization and financial support for high-cost events.

It depends on the medical review. It is essential to declare any pre-existing conditions when applying for the policy. Depending on the assessment, they may be subject to special conditions, exclusions or no coverage.

Not all coverages: some have waiting periods, which are listed in the policy's general conditions. If you are coming from another insurer and BMI approves your continuity or seniority, those periods may change.

The rate depends on the policy chosen and the age range of each insured. For international policies, it also depends on the deductible. To find out the exact amount, request a quote.

In the BMI medical directory, where you can search the network by policy and by city.

Meridian II is BMI's international health policy with the highest coverage in Colombia: up to USD 7,000,000. It covers you worldwide, with free choice of doctors and hospitals and no closed network. It includes BMI Access, travel assistance, a comprehensive dental plan, maternity and umbilical cord stem cell preservation.

No. Meridian II lets you choose your doctor and hospital in any country, without depending on a closed network.

The deductible is global and you can choose from USD 1,000, 2,500, 5,000, 10,000 and 20,000. Maternity and newborn coverage are only included with the USD 1,000 and 2,500 deductibles.

It includes a waiver of premium upon the death or total and permanent disability of the policyholder, as well as total and permanent disability benefits for the primary insured. The policy is renewable with no age limit.

Azure Plus is an international health policy with worldwide coverage of up to USD 5,000,000. In the United States, care is provided through the specialized Azure network. In the rest of the world, you can freely choose physicians and hospitals. It includes BMI Access, travel assistance, a comprehensive dental plan and maternity.

Within the United States, care is provided through the specialized Azure network. Outside the U.S., including Colombia, you are free to choose your doctor and hospital.

It covers dependent children and includes maternity and newborn coverage with the USD 1,000 and 2,500 deductibles. It also includes umbilical cord stem cell preservation and waiver of premiums if the policyholder dies or becomes disabled.

The main difference is the maximum coverage: Meridian II reaches USD 7,000,000, Azure Plus USD 5,000,000 and Ideal USD 500,000. In the United States, Azure Plus and Ideal work with a specialized network and Meridian II with free choice. All three have deductibles from USD 1,000 to 20,000 and are renewable with no age limit.

Ideal is an international health policy with worldwide coverage of up to USD 500,000. Outside the United States, you freely choose doctors and hospitals. Within the U.S., you receive care in BMI's specialized network. It includes BMI Access, travel assistance, maternity and a preventive and emergency dental plan.

Yes. Coverage is worldwide and includes travel assistance, so it backs you on personal, business or study trips outside Colombia.

The deductible is global: USD 1,000, 2,500, 5,000, 10,000 or 20,000. Maternity is only included with the USD 1,000 and 2,500 deductibles.

Yes. Ideal renews with no age limit and keeps the support of BMI Access. It also includes a total and permanent disability benefit and a premium waiver if the policyholder dies or becomes disabled.

Esencial Plus is BMI Seguros Colombia's most complete national health policy. It covers hospitalization, surgeries, emergencies, general and specialist consultations, outpatient and post-hospitalization medications, cancer and HIV/AIDS treatments, maternity, comprehensive dental care and funeral coverage, with access to the country's leading clinics.

Yes. It includes psychological and psychiatric care, as well as telepsychology and telemedicine.

Esencial Plus adds to Esencial Care psychological and psychiatric care, outpatient and post-hospitalization medications for high-impact illnesses, and cancer and HIV/AIDS coverage. It also includes funeral coverage, comprehensive dental care and benefits for congenital conditions in insureds who were not born under the policy.

You can purchase it up to age 65 and renew it up to age 100, according to the policy conditions. To purchase it, you must be enrolled in an EPS.

Esencial Care is a national health policy that balances coverage and cost. It covers hospitalization and surgeries, emergencies, consultations with doctors and specialists, diagnostic tests and therapies, maternity, preventive and emergency dental care and ground ambulance, in a private network of clinics in Colombia.

Esencial mainly covers emergencies, hospitalization and surgery. Esencial Care adds day-to-day outpatient care: consultations, specialists, diagnostic tests, therapies and medications resulting from hospitalization, emergencies and priority consultations.

Yes. It includes maternity coverage and pregnancy monitoring, and lets you protect your entire family group under a single policy.

You can purchase it up to age 65 and renew it up to age 100. To purchase it, you must be enrolled in an EPS.

It is an individual health plan designed for those seeking reliable medical protection in Colombia, with access to a segmented, high-quality provider network. It provides coverage for outpatient, hospital and care services, ensuring timely and efficient care in line with the needs of the insured and their family.

This plan offers key benefits such as direct access to specialists, low copays and coverage at the country's leading institutions, enabling a comprehensive care experience. It is a practical and affordable solution for those who prioritize solid medical backing with a local focus.

It does not include routine medical consultations, outpatient medications or frequent diagnostic tests. That is why its premium is lower than that of a comprehensive policy. It is designed to protect you against a very high medical bill without paying for a full health policy.

Access to high-end private clinics, shorter wait times, a private room and more comfort if you are hospitalized. Plus, financial support for surgeries, intensive care and other high-cost events.

People enrolled in an EPS up to age 65. The rate depends on the age range.

It is insurance that covers the medical expenses of complications arising after a covered surgery, especially cosmetic surgery. It covers medical, hospital, surgical and pharmaceutical expenses for complications diagnosed within 60 days after the procedure.

Cosmetic, plastic and reconstructive surgery, and some gynecology and fertility procedures that meet the policy conditions. They must be performed by doctors and clinics that are licensed and approved by BMI Seguros Colombia.

For 60 days from the date and time of the procedure. The complication must be diagnosed within that period.

The medical, hospital, surgical and pharmaceutical expenses necessary to treat the complication, including hospitalization and medications, within the contracted limits.

No. The policy must be purchased before the surgery, and the procedure must be registered and approved. Complications that occur before the policy term begins are not covered.