Health insurance
Our international health plans give you worldwide coverage, excellent medical benefits and access to the best clinics and hospitals in the world.
Individual Health Plans
National and international coverage, comprehensive medical benefits and access to the best clinics and hospitals in the world, with BMI Access included in all plans.
Group Health Plans
Group plans with different levels of coverage or tailored to each employer's criteria, for workforces of any size.
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BMI offers six individual health plans. They differ mainly in the annual maximum benefit and the coverage area. 3000 Series has no limit. Meridian II reaches US$7,000,000, Azure US$5,000,000 and Core Advantage US$3,000,000. Ideal starts at US$1,000,000 and MediProtect at US$250,000.
Plan Maximum benefit per insured and year Coverage area Care in the U.S. International Emergency Assistance Who can apply 3000 Series No limit Worldwide (option to exclude the U.S.) Free choice, no preferred network Included at no cost Enrollment up to age 74 Meridian II US$7,000,000 (US$10,000,000 with Meridian II Plus) Worldwide Free choice of providers — Residents of Latin America and the Caribbean, up to age 74 Azure US$5,000,000 Worldwide (option to exclude the U.S.) 100% in the Azure USA Network; 75% outside it Optional at a cost (free for residents of Mexico) Enrollment up to age 74 Core Advantage US$3,000,000 Worldwide Core Advantage USA provider network — Residents of Chile, Paraguay or Peru, up to age 74 Ideal US$1,000,000 (expandable to US$3,000,000) Worldwide (option to exclude the U.S.) 100% in the Ideal USA Network; 50% outside it Optional at a cost Enrollment up to age 74 MediProtect US$250,000 (expandable to US$500,000) Latin America and the Caribbean, except Brazil No coverage — Residents of Mexico, up to age 74 -
All six plans accept new applications up to age 74. Renewals are guaranteed and have no age limit, so your coverage stays with you after retirement too. For 3000 Series, Meridian II, Core Advantage and MediProtect, a medical exam (and, except for MediProtect, laboratory tests) is required for new applications from age 65.
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Yes. For Azure, Meridian II, Core Advantage and MediProtect the general waiting period is 30 days. Accidents and infectious diseases are covered from day one. Some benefits have their own periods: in MediProtect, for example, routine medical checkups and hearing aids have a 12-month wait.
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Yes, depending on the plan. Azure, Ideal and 3000 Series reduce the deductible by up to 50% after 3 consecutive years without claims. Meridian II and Core Advantage allow it to be waived or reduced under certain conditions. In Core Advantage, for example, this applies to hospital care or outpatient surgery in the country of residence.
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Yes. BMI plans let you include your spouse or domestic partner and eligible children. In Azure, Ideal and 3000 Series, newborns are included automatically simply by submitting the birth certificate. MediProtect covers dependent children up to age 18, single children living with the policyholder up to age 30 and full-time students abroad up to age 24.
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