Frequently asked questions about BMI health insurance in the Dominican Republic
General questions
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BMI Dominican Republic has six health plans to protect you and your family. Four are international: Preference, Maximum, Major Health and Support. Two are local and complement your ARS: Capital Health Premium and Major Medical Expenses. All of them include maternity and the support of BMI Access.
Plan Type Maximum annual coverage Where it covers you Designed for Preference International US$5,000,000 Inside and outside the Dominican Republic; free choice of hospitals worldwide The most complete protection, local and international, in a single policy Maximum International US$5,000,000 Mainly outside the country of residence; free choice of hospitals worldwide Complementing your local insurance with international coverage, especially in the U.S. Major Health International US$2,000,000 Inside and outside the country of residence Families and people who travel frequently Support International US$500,000, up to US$1,500,000 for 4 critical illnesses treated outside the country Dominican Republic and abroad Affordable protection against high-cost illnesses Capital Health Premium Local premium US$100,000, expandable with Major Medical Expenses up to US$500,000 Dominican Republic and Colombia Superior local coverage, with a lower premium than an international plan Major Medical Expenses Local, complements the ARS — Premium network in the Dominican Republic, select network in Colombia and travel assistance Protecting your assets against expenses that exceed the ARS limits -
International plans, such as Preference, Maximum, Major Health and Support, cover you outside the Dominican Republic and give you access to prestigious hospitals in other countries. Local plans, Capital Health Premium and Major Medical Expenses, focus on a premium network in the country and in Colombia, with a more affordable premium.
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No. Major Medical Expenses complements your ARS and helps you cover expenses that exceed its limits. Having local insurance is not mandatory to purchase Maximum, although it works very well as a complement to the coverage you already have.
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Yes. All six plans include maternity and newborn benefits. Preference, Maximum and Major Health also cover pregnancy complications. Limits depend on each policy.
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BMI Access is BMI's medical support program, included in its health plans. It helps you with second medical opinions, coordination of appointments and hospitalizations, transportation and international medical assistance, so you are not alone during your treatment.
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Yes. Capital Health Premium and Major Medical Expenses include a medical network in Colombia, which sets them apart in the Dominican market. The international plans also cover you outside the country, according to the conditions of each policy.
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The premium depends on the plan, your age and the coverages you choose. Local plans have a more affordable premium than international ones. To find out the cost in your case, request a quote from a BMI agent.
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Preference is BMI Dominican Republic's most comprehensive international health plan. It offers up to US$5,000,000 in worldwide coverage and covers you both in the Dominican Republic and abroad, with a single policy. It includes preventive checkups, mental health, maternity, newborns, transplants and stem cell collection.
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Yes. Preference gives you medical care in your country of residence and abroad under the same policy. You can freely choose your hospital anywhere in the world, according to the policy's conditions.
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Yes. It includes preventive medical checkups and mental health coverage, as well as other benefits for your overall well-being.
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It covers maternity, pregnancy complications, newborn care and stem cell collection, according to the plan limits.
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Maximum is an international health insurance plan with up to US$5,000,000 in annual coverage, designed mainly for receiving care outside your country of residence, especially in the United States. It offers free choice of hospitals worldwide and covers maternity, newborns, transplants and bariatric surgery. It includes life insurance for the policyholder.
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Maximum is designed primarily to cover you outside your country of residence. It works as an international complement to your local health coverage, for when you travel or need care in the United States or another country.
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It is not mandatory. Even so, Maximum works very well as a complement for those who already have local coverage and want international protection.
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People who travel frequently, executives, business owners, expatriates and families who want access to top-tier international medical care.
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Major Health is an international health insurance plan with annual coverage of up to US$2,000,000, inside and outside your country of residence. In covered areas, you receive care at internationally prestigious hospitals with no upfront payment for hospitalization and surgery. It includes maternity, newborn coverage, travel assistance and BMI Access.
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Yes. Major Health gives you international medical coverage and access to hospitals and healthcare providers in different countries, according to the plan's conditions.
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In addition to medical coverage, it includes a second medical opinion, telemedicine, medical concierge, appointment coordination, transportation to appointments and 24/7 assistance.
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Yes. It covers maternity, pregnancy complications, newborns and high-cost medications for you, your partner and your children, in different countries and within the policy limits.
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Support is an international health insurance plan with an affordable premium, designed to protect you against serious illnesses and high-cost medical expenses. It has base coverage of up to US$500,000, which increases up to US$1,500,000 for four serious illnesses when treated outside the country of residence.
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Four: cancer, kidney failure, cardiovascular disease and organ transplants. If you receive treatment for one of them outside your country of residence, coverage increases up to US$1,500,000.
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Yes. Support includes international coverage and is designed to back you when you need treatment abroad, according to the policy's conditions.
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Hospitalization, medications, maternity, newborn benefits, transplants and cancer treatments. It also includes BMI Access, which supports you throughout the entire care process.
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Capital Health Premium is a premium local health plan for residents of the Dominican Republic. It covers up to US$100,000 per insured per policy year, in the Dominican Republic and in Colombia, with free choice of doctors and hospitals. It includes preventive benefits, maternity, mental health, telemedicine, medical second opinion, travel assistance and BMI Access.
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Yes. The plan includes access to a medical network in Colombia, one of its main differentiators in the Dominican market.
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Yes. You can add optional Major Medical Expenses coverage of up to US$500,000 for greater protection against high-cost events.
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Yes. It includes maternity, newborn coverage, congenital diseases and mental health consultations. Renewal is guaranteed.
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It is insurance that protects you and your family against critical illnesses, severe accidents and high-cost treatments. It gives you free choice of accredited doctors, a premium hospital network in the Dominican Republic, a select network in Colombia and travel medical assistance. It covers hospitalization, surgeries, outpatient expenses, maternity and transplants.
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No. It is complementary coverage: it helps you cover medical expenses that exceed the limits of your local coverage.
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Any pre-existing conditions you declare have limited coverage, according to the policy conditions, and are subject to waiting periods.
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On individual plans, coverage can be maintained up to age 99.
Updated on October 27, 2026. For information purposes only; the clauses of the policy terms and conditions prevail.