Frequently asked questions about health plans

BMI del Ecuador offers you two lines. The BMI Unique line brings together international health plans: Meridian II, Azure, Ideal and Support. The prepaid medicine line includes Innova, Sigma and Major Medical Expenses. All coverage is in U.S. dollars.

Any pre-existing conditions you declare are evaluated case by case and are subject to the specific conditions set by BMI.

It may vary at renewal depending on age, product conditions and the policies in force at that time.

SPAT coverage applies first, in accordance with current regulations. After that, your plan's coverage may apply, according to its conditions.

Meridian II is the international health plan with the highest coverage in the BMI Unique line: up to USD 7,000,000 per insured per policy year. It includes outpatient and hospital care, maternity, transplants, robotic surgery, travel assistance, telemedicine and an international medical second opinion.

Yes, with the USD 500, USD 1,000 and USD 2,500 deductibles, according to the plan conditions.

It includes 100% coverage for medications. You also have access to the BMI 360 medical centers.

Medical repatriation, air ambulance, return of minors and international medical second opinion.

Azure redefines the international health experience with coverage of up to USD 5 million and access to top-tier medical care in Ecuador, the United States and the rest of the world. Its combination of free choice of physicians and hospitals, together with a strong international provider network, gives you the peace of mind, flexibility and support that you and your family deserve.​

No. Hospitalizations in Ecuador and Colombia have no deductible, which can mean significant savings.

Coverage for congenital conditions, organ transplants up to USD 1,000,000 and specialty medications at 100%.

Ideal is a prepaid medicine plan: your family has up to USD 2 million in international coverage, inside and outside Ecuador. Freely access the best doctors, clinics and hospitals in the world, backed by a specialized medical network in the United States. The perfect combination of protection, flexibility and excellent care for those who expect more from their health plan.​

From USD 500 to USD 20,000. The most popular are USD 2,500 and USD 5,000, for their balance between protection and cost.

Yes. It covers 100% of medical emergencies abroad during the first 45 days of a leisure or business trip. It can also protect you while studying abroad for up to two years. Air ambulance is covered at 100% in highly serious situations.

It covers at 100% any congenital condition the baby is born with, as well as complications during delivery.

Support is a plan in the BMI Unique line with USD 500,000 coverage for any covered illness or accident. It stands out for providing access to specialized hospitals in Colombia and the United States for cancer, cardiovascular disease and chronic kidney failure.

No. It covers any illness or accident according to the contract conditions, up to USD 500,000. What sets it apart is the international network for those three illnesses.

You can choose an annual deductible of USD 5,000, 10,000, 15,000 or 20,000. Maternity is covered once the deductible has been met.

Outpatient medications at 100%, organ transplants abroad up to USD 750,000 and emergency coverage during trips abroad.

Innova offers you comprehensive coverage with free choice of doctors and healthcare providers. It includes hospital and outpatient care, maternity, newborn care, transplants, robotic surgery, an international medical second opinion, a dental plan, telemedicine, house-call doctor, funeral service and partner agreements in Colombia, all in a single plan designed to take care of you and your family.​

The deductible is USD 250 per person per contract year. Hospital and outpatient care is generally covered at 80%, with the applicable copayments. At some network hospitals the copayment is preferential: 90/10.

No. Insureds who are already part of the plan keep their coverage with no age limit and no restrictions due to their medical history.

Your dependents are exempt from paying premiums for one year.

Yes. It includes assistance for medical urgencies and emergencies during trips abroad, up to USD 50,000 per trip.

Sigma gives you the peace of mind of having up to USD 150,000 in coverage, free choice of healthcare providers throughout the country and benefits that go with you beyond borders. It includes maternity, medical emergencies abroad and access to an affiliated network in Colombia, giving you comprehensive protection for every stage of your life.​

BMI covers 80% of medical expenses and the member pays the remaining 20%. At selected hospitals, this benefit improves with a preferential 90/10 scheme. In addition, Sigma includes a hospital copay limit, giving you the peace of mind of knowing the maximum amount you could pay for a hospital stay​

Up to USD 2,000 for pregnancy care, with no deductible or copay.

Yes. The Intensive Care Unit is part of the hospital benefit, up to the total coverage amount and with a maximum stay of 240 days.

Yes. It covers verified medical urgencies and emergencies during trips abroad, up to USD 50,000.

It is financial backing to face serious illnesses or accidents that would be difficult to pay for with your own resources. It covers up to USD 500,000 at 100% once the deductible has been met. It lets you choose the best medical care with your health in mind, not just the cost.

Coverage follows the terms, exclusions and limits of the contract. Before purchasing, review the plan details with your advisor.

It depends on the product conditions and the underwriting policies in force. Purchasing at an early age usually makes it easier to obtain better insurability conditions.