Hospitalization
Medical and surgical services, medical fees, medications, and intensive care at 100%, according to the policy conditions.
Esencial
Health insurance
International health plan with up to US$1,000,000 in coverage per insured and policy year and a medical network in Latin America and the U.S.
Esencial benefits for your family
What you get with Esencial
Esencial combines hospital and outpatient benefits with maternity, for those seeking a balance between international protection and budget.
Outpatient care
Outpatient surgery, visits to doctors and specialists, and laboratory and diagnostic tests covered at 100%, according to the policy conditions.
Maternity
Maternity benefit for the female policyholder, with no deductible up to US$4,000 and a 10-month waiting period.
Why choose Esencial?
Designed for young families and professionals who are starting their international protection and seek a balance between coverage, benefits and budget.
Coverage of up to US$1,000,000
Maximum coverage of US$1,000,000 per insured and policy year, with worldwide scope and a broad network of hospitals and specialists in Latin America and the U.S.
Routine medical checkups
Routine checkups for the policyholder and their spouse, with no deductible and a 12-month waiting period, according to the policy limits.
Local ambulance with no deductible
Local ambulance coverage with no deductible, according to the limits, providers and conditions set out in the policy.
Medical equipment and prostheses
Durable medical equipment, orthopedic devices and intraoperative prostheses are covered at 100%.
Home medical visit
Tarjeta MAS benefit: a doctor visits you at home to treat you without you having to travel.
BMI Access
At no additional cost: a BMI Access medical coordinator guides you, 24 hours a day, in managing your policy's services and benefits.
Telemedicine
BMI telehealth with certified doctors by phone or video call, available 24/7 worldwide.
Tarjeta MAS
With the MAS Card you get a full funeral benefit, access to care benefits and discounts on services and at retailers, among other benefits.
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Starting your career
It lets you start protecting your health with international coverage of up to US$1,000,000 and a broad medical network in Latin America and the U.S., also when traveling.
Starting a family
Protect your family's health and financial stability with coverage tailored to your budget, maternity and newborn protection.
Approaching retirement
Inpatient and outpatient benefits, with guaranteed renewals with no age limit that maintain your protection and reduce the impact of an unexpected medical expense.
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Esencial is an international health plan with maximum coverage of US$1,000,000 per insured per policy year and worldwide geographic coverage. It gives you access to a broad network of hospitals and providers in Latin America and the United States. It covers medical and surgical services, hospitalization, physician fees and outpatient surgery.
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The general waiting period is 90 days. Accidents and infectious diseases are covered from the effective date. Maternity and its complications have a 10-month wait, and medical checkups and other procedures indicated in the policy, 12 months.
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The routine medical checkup for the policyholder and their spouse and local ambulance service have no deductible. Durable medical equipment, orthopedic devices and intraoperative prostheses are covered at 100%.
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Yes, for the policyholder, after a 10-month waiting period. Renewals are guaranteed with no age limit.
