Frequently asked questions about BMI health plans in Costa Rica

BMI Costa Rica offers four international health plans for you and your family. They range from US$1,000,000 to US$7,000,000 in maximum coverage per insured per policy year. Meridian II is the most comprehensive; Azure, Ideal and Esencial let you tailor your protection to your budget.

Health insurance covers medical expenses due to illness or accident according to the plan's benefits: consultations, hospitalization, surgeries, tests, medications and therapies. You pay the deductible, coinsurance and any other applicable expenses. BMI covers eligible expenses up to the policy limits, subject to its waiting periods, authorizations and exclusions.

The deductible is the amount you pay for covered medical expenses before the insurance starts covering them. How it applies may vary depending on the plan, the type of care, the country and the medical network you use.

Accidents and infectious diseases are covered from day one. For everything else, the general waiting period is 30 days for Meridian II, Azure and Ideal, and 90 days for Esencial. Some benefits have their own periods, such as maternity (10 months) and medical checkups (12 months).

Yes, all four, with a 10-month waiting period. In Meridian II, Azure and Ideal, coverage includes the policyholder and eligible dependent daughters; in Esencial, only the policyholder. Meridian II and Azure also cover maternity complications, newborn conditions in the first 90 days and stem cell preservation.

Yes. All four plans include a routine medical checkup for the policyholder and their spouse, with a 12-month waiting period, coverage limits and authorized providers. With Esencial, the checkup has no deductible.

It is a benefits card that comes with BMI Costa Rica's health plans. It includes a full funeral benefit, house-call medical visits, ambulance service in the GAM, Care benefits and discounts on services and at retailers.

You can add Travel Assistance and Emergency Medical Transportation, and a Term Life Insurance of US$50,000 or US$100,000. With Meridian II, you can also add Meridian II Plus, which raises the maximum coverage to US$10,000,000.

The premium depends on the plan, the maximum coverage chosen, the deductible and the age of each insured. To find out the cost in your case, request a quote from a BMI Costa Rica agent.

Meridian II is BMI Costa Rica's most comprehensive international health plan: up to US$7,000,000 per insured per policy year, expandable to US$10,000,000 with Meridian II Plus. You freely choose hospitals and specialists anywhere in the world, and you have hospital, outpatient and maternity benefits.

Yes. Meridian II offers free choice of hospitals and specialists worldwide. Care and reimbursement of expenses follow the policy's terms and processes.

Yes, for the deductible options set by the policy. Hospitalization is covered at 100% and the deductible can be waived both inside and outside your country of residence, except in the United States.

It covers maternity for the insured and for eligible dependent daughters in the United States and in the country of residence, after a 10-month waiting period. It includes maternity complications, newborn conditions diagnosed in the first 90 days and umbilical cord stem cell preservation, with a discount on storage.

No. Renewals are guaranteed and have no age limit, so your protection stays with you over the long term.

Azure is an international health plan with maximum coverage of US$5,000,000 per insured and policy year. Outside the United States, you can freely choose your hospital and specialist. Within the U.S., care is provided through the BMI USA Azure Network. It includes hospitalization, outpatient surgery, physician fees, medications and maternity.

Within the United States, care is provided through the BMI USA Azure Network, a select network of providers. In Costa Rica and the rest of the world, you are free to choose hospitals and specialists.

It covers maternity for the policyholder and for eligible dependent daughters, after a 10-month waiting period. It includes maternity complications, certain newborn conditions in the first 90 days and umbilical cord stem cell preservation, with a discount on storage.

Yes. If you have an accident, Azure covers physical therapy, occupational therapy and speech therapy, according to the policy limits.

Ideal is an international health plan with maximum coverage of US$1,000,000 per insured per policy year, expandable to US$3,000,000. Outside the United States, you freely choose your hospital and specialist. Within the U.S., you have access to a select provider network. It covers hospitalization, outpatient surgery, fees, medications and outpatient services.

Yes. You can go from US$1,000,000 to US$3,000,000 per insured and policy year, with the corresponding premium adjustment.

If hospitalization occurs in your country of residence, Ideal reduces the deductible by 50%. This applies to certain deductible options, according to the terms of the policy.

Yes. It includes cancer risk-reduction surgery and certain reconstructive surgeries, according to the policy's definitions and limits. It also covers physical therapy, occupational therapy and speech therapy after an accident.

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.

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.

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%.

Yes, for the policyholder, after a 10-month waiting period. Renewals are guaranteed with no age limit.