Riders

Automatically included in 3000 Series. Optional for Meridian II, Azure and Ideal. Not available for Flexi Plan III Latin America.

Travel assistance benefit:

• BMI will cover the deductible amount —up to a maximum of US$5,000— in the event of a medical emergency due to an accident or illness while traveling outside the country of residence.
• The amount covered by BMI will be applied to the annual deductible of the policy.
• Follow-up visits will be covered according to the policy benefits. The insured will pay any remaining amount up to the limit of their deductible.

Emergency medical transportation benefits:

*Following an air ambulance service for the insured.

This benefit helps the insured cover any unexpected expenses during a hospital stay resulting from an accident or illness covered by the policy. The benefit amount is payable in addition to the benefits of the insured's BMI health policy.

Eligibility:

• Policies with policyholders under age 65.
• Coverage will end at the renewal at which the policyholder has reached age 69.
• A spouse under age 65 and dependents under the same policy are eligible as long as the policyholder obtains the rider.

• Rider not available for Flexi Plan III Latin America.

   

Benefit:

• Option of US$100, US$200 or US$300 per day.
• If intensive care is required, the daily benefit will be doubled.
• The maximum benefit is 365 days for each accident or illness covered by the policy.
• Benefits are payable directly to the hospitalized insured from the first day.
• If the hospitalization is prolonged, the insured may receive payments periodically.

Benefit:

• Options of US$50,000 or US$100,000 upon death are offered, for both the policyholder and the spouse.

   

Eligibility:

• Policyholder and/or spouse applying for health insurance with BMI.
• A medical evaluation is required together with the health insurance application.

Accidental death and dismemberment insurance

If, as a direct and exclusive result of an accident occurring while the policy is in force, bodily injuries cause the insured's death, dismemberment or total and permanent disability, the company will pay the corresponding amount to the insured or their beneficiaries.

Eligibility:

• Any person in good health, between the ages of 18 and 64, who has in force or is applying for life or health insurance with BMI.

• Coverage will end at age 70.

   

Benefit:

• Minimum coverage is US$50,000 and maximum coverage is US$250,000.

   

Compensation schedule:

If, as a result of an accident or illness that occurs or begins while the policy is in force, the insured becomes totally and permanently disabled from performing the activities of their profession or occupation for which they are reasonably qualified by education, training or experience, the company will pay the acquired benefit amount in a single lump sum once the case is approved.

Eligibility:

• Any person in good health, between the ages of 18 and 60, who has life or health insurance in force with BMI.

• Coverage will end at age 65.

   

Benefit:

• Minimum coverage is US$50,000 and maximum coverage is US$300,000.

Eligibility:

• Any person applying for Meridian II health insurance with BMI, up to age 69.

• This rider will end at the renewal at which any of the insureds reaches age 70.

   

This rider applies to all insureds under the policy and will automatically increase the following benefits: