Frequently asked questions about BMI group policies in Costa Rica

It is insurance taken out by a company or organization to provide medical protection to a group of people, such as employees, associates or members. The plan may offer coverage for different medical expenses and services, depending on the contracted conditions, benefits and limits, as well as exclusive and specialized assistance services according to the needs of each group.

This product is designed for business groups, professional associations, associations, cooperatives, SMEs, educational institutions and other organizations that wish to offer medical protection to their members. Eligibility and contracting conditions will depend on the characteristics of each group.

Depending on the plan purchased, it can provide access to private medical services, care centers and specialists, as well as benefits aimed at timely health care. The applicable coverage, deductibles, copayments, limits, exclusions and conditions should be reviewed in the policy documentation.

It is also a highly valuable tool for organizations, as it contributes to the well-being of their employees or members, strengthens their benefits offering and helps attract and retain talent.

It is an insurance taken out to provide protection to a group of people. Depending on the coverages selected, it may include an indemnity in the event of death, accident, illness or disability of the insured person.

It is aimed at business groups, professional associations, associations, cooperatives, SMEs, educational institutions and other organizations that wish to offer additional support to their employees or members.

It can strengthen the organization's benefits offering and provide financial support to insured persons and their families in certain situations. The coverages and indemnity amounts depend on the plan and the contracted conditions. 

Additional assistance services may also be added to complement the policy's basic coverages and offer more comprehensive protection.

This product is designed to provide medical assistance or an indemnity when an insured person suffers an accident that causes injury, disability or death, according to the contracted coverages and conditions. 

In addition, it is an accessible, low-cost solution, allowing organizations to offer protection to a group of people without requiring a large investment.

It is aimed at business groups, professional associations, associations, cooperatives, SMEs, educational institutions, convention centers, hotel companies and other organizations that require accident protection for a group of people.

Yes. It is possible to design customized coverage and premiums tailored to the needs of each organization. Options may include medical expenses, disability, accidental death and other benefits, subject to the conditions of the selected product. 

In addition, specialized assistance services can be added according to the client's needs to provide more comprehensive protection.

It is a policy designed to protect the outstanding balance of a loan if the insured person dies before finishing paying off the loan. Its application is subject to the sum insured and the conditions established in the policy.

This product is aimed mainly at banks, cooperatives, solidarity associations, financial institutions and other regulated organizations that grant loans and wish to protect their portfolio against the death of an insured debtor.

When the event is covered, the insurance can contribute to paying the outstanding loan balance according to the sum insured and the policy conditions. This helps reduce the financial impact the debt could have on the family or dependents.

It is a group solution aimed mainly at financial institutions and other organizations that wish to offer protection associated with credit or debit cards. The applicable coverages depend on the type of card, the product defined by the institution and the contracted conditions.

Depending on the contracted option, it may include coverages or services related to death, theft and fraud, total and permanent disability, unemployment, funeral services or assistance. Not all coverages apply to all plans, so the individual certificate and the policy conditions should be consulted.

The group policy is taken out by an entity, such as a bank, cooperative, association, solidarity association or professional association. The enrollment method, requirements, cost and available coverages are defined by the contracting entity and BMI, in accordance with the insurance conditions.

It is an insurance designed to help ensure the continuity of the children's education in the event of the parents' death or a total physical disability covered by the policy. 

Its purpose is to provide financial support so the student can complete their schooling and to help cover certain educational and family expenses during the coverage period established in the policy.

It may include expenses such as tuition, school supplies, uniforms, meals, transportation, graduation, a computer, monthly household rent and other items established in the policy. The items, amounts and coverage periods must be verified in the contracted conditions.

The benefit may apply in the event of the death or total physical disability of the parents, provided that the event is covered and the requirements established in the policy are met. To request it, the corresponding documents must be submitted and the process indicated by BMI followed.