Health insurance comparison
Health insurance
Discover the main differences between our individual health insurance plans and choose the medical protection that best suits you and your family.
| Solicitar cotización | Solicitar cotización | Solicitar cotización | Solicitar cotización |
|---|---|---|---|
| MAXIMUM COVERAGE PER INSURED, PER POLICY YEAR | |||
|
No maximum limit
|
US$7,000,000 - (US$10,000,000 WITH MERIDIAN II PLUS RIDER)
|
US$5,000,000
|
US$1,000,000 (expandable to US$3,000,000)
|
| Geographic Coverage | |||
|
Worldwide
|
Worldwide
|
Worldwide
|
Worldwide
|
| Eligibility | |||
|
Up to age 74
|
Up to age 74
|
Up to age 74
|
Up to age 74
|
| Renewals | |||
|
Guaranteed, with no age limit
|
Guaranteed, with no age limit
|
Guaranteed, with no age limit
|
Guaranteed, with no age limit
|
| Providers outside the United States | |||
|
Free choice
|
Free choice
|
Free choice
|
Free choice
|
| Providers in the United States | |||
|
Free choice
|
Free choice
|
BMI USA Azure Network. In states not included in the network, use Aetna PPO.
|
BMI USA Ideal Network. In states not included in the network, use Aetna PPO.
|
| Waiting period — may be waived by proving current international medical coverage | |||
|
Immediate in the country of residence. Outside: 30 days, except for accidents and infectious diseases, which are covered immediately.
|
30 days. Immediate for accidents and infectious diseases.
|
30 days. Immediate for accidents and infectious diseases.
|
30 days. Immediate for accidents and infectious diseases.
|
| Maternity waiting period | |||
|
10 months
|
10 months
|
10 months
|
10 months
|
| Temporary coverage for accidental emergencies while the application is being evaluated | |||
|
US$50,000
|
US$50,000
|
US$50,000
|
US$50,000
|
| Waiver of premiums | |||
|
2 years upon death or total and permanent disability of the policyholder under age 60.
|
2 years upon death or total and permanent disability of the policyholder under age 60.
|
2 years upon death or total and permanent disability of the policyholder under age 60.
|
2 years upon death or total and permanent disability of the policyholder under age 60.
|
| Reduction of benefits for lack of pre-notification | |||
|
30%
|
30%
|
30%
|
30%
|
| Deadline to file a claim | |||
|
180 days from the service
|
180 days from the service
|
180 days from the service
|
180 days from the service
|
| 50% discount on the hospitalization deductible — policies with insureds under age 65 | |||
|
Deductibles US$500–US$2,500: no claims paid in the last 3 years. Deductibles US$5,000–US$10,000: no claims in the last 3 years.
|
Deductibles US$500–US$2,500: no claims paid in the last 3 years. Deductibles US$5,000–US$10,000: no claims in the last 3 years.
|
Deductibles US$500–US$2,500: no claims paid in the last 3 years. Deductibles US$5,000–US$10,000: no claims in the last 3 years.
|
Deductibles US$500–US$2,500: no claims paid in the last 3 years. Deductibles US$5,000–US$10,000: no claims in the last 3 years.
|
| Emergency medical treatment outside the BMI network | |||
|
100%, free choice
|
100%, free choice
|
US$50,000 outside the BMI USA Azure network
|
US$50,000 outside the BMI USA Azure network
|
| Physician fees, medical services and surgical services | |||
|
100%
|
100%
|
100%
|
100%
|
| Laboratory tests and diagnostic services | |||
|
100%
|
100%
|
100%
|
100%
|
| Hospital room | |||
|
100% (including private)
|
100% (including private)
|
100%
|
100%, maximum 240 days
|
| Intensive care unit | |||
|
100%
|
100%
|
100%
|
100%, maximum 240 days
|
| Medications | |||
|
100%
|
100%
|
100%
|
100%
|
| Companion stay during hospitalization | |||
|
100%
|
US$400 per day, maximum 30 days (100% with Meridian II Plus rider)
|
US$150 per day, maximum 30 days
|
US$150 per day, maximum 30 days
|
| Deductible elimination | |||
|
For hospitalization resulting from an accident for deductible options US$500 - 1,000 - 2,500 - 5,000.
|
For hospitalization or outpatient surgery in a hospital outside the U.S. for deductible options US$500 - 1,000 - 2,500.
|
For hospitalization resulting from an accident for deductible options US$500 - 1,000 - 2,500.
|
50% reduction of the deductible for hospitalization in the country of residence. Applies to deductible options US$500 - 1,000 - 2,500.
|
| Outpatient surgery | |||
|
100%
|
100%
|
100%
|
100%
|
| Visits to physicians and specialists (includes visits for sleep apnea and allergies) | |||
|
100%
|
100%
|
100%
|
Physician fees: 100%. Specialist fees: 100%. Other outpatient services: US$10,000.
|
| Laboratory tests and diagnostic services | |||
|
100%
|
100%
|
100%
|
Physician fees: 100%. Specialist fees: 100%. Other outpatient services: US$10,000.
|
| Medications | |||
|
100%
|
100% for medications in the country of residence. Outside the country of residence, for medications not related to hospitalization or outpatient surgery: 100% when coordinated directly with BMI; 100% and up to US$100,000 when not coordinated through BMI. 100% for 90 days outside the country of residence after hospitalization or surgery. 100% with Meridian II Plus rider.
|
100% for 90 days after hospitalization or outpatient surgery. US$30,000 for medications not related to hospitalization or surgery.
|
100% for 30 days after hospitalization or outpatient surgery. US$20,000 for medications not related to hospitalization or surgery.
|
| Routine medical checkups (no deductible, 12-month waiting period; policyholder and spouse) | |||
|
US$750 for deductible options US$500 - US$5,000. US$500 for deductible options of US$10,000 or higher.
|
US$350 (US$500 with Meridian II Plus rider)
|
US$250
|
US$150
|
| Preventive checkup and routine immunizations for dependents under age 18 — no deductible, 12-month wait; automatic if born under covered maternity | |||
|
US$250
|
US$100 (US$150 with Meridian II Plus rider)
|
US$100
|
US$100
|
| Maternity coverage (available for dependent daughters) | |||
|
100% outside the United States, no deductible. In the U.S.: US$10,000 for a policy with policyholder; US$15,000 for a policy with policyholder and spouse. No deductible in the U.S. for options US$500 - US$2,500. Benefit deductible options: US$500 - 1,000 - 2,500 - 5,000.
|
US$7,500, no deductible. Deductible options US$500 - 1,000 - 2,500. With Meridian II Plus rider: 100% outside the U.S. and US$10,000 in the U.S.
|
US$5,000, no deductible. Deductible options US$500 - 1,000 - 2,500.
|
US$3,000, no deductible. Deductible options US$500 - 1,000 - 2,500.
|
| Maternity complications (with covered maternity) | |||
|
100%. No deductible outside the U.S. and in the U.S. for options US$500 - US$1,000.
|
100%, no deductible
|
US$150,000, no deductible
|
US$100,000, no deductible
|
| Newborn coverage (with covered maternity) | |||
|
100%
|
US$500,000 lifetime for illness and/or medical conditions diagnosed during the first 90 days after birth; includes congenital conditions. 100% with Meridian II Plus rider.
|
US$250,000 lifetime for illness and/or medical conditions diagnosed during the first 90 days after birth; includes congenital conditions.
|
US$100,000 in the country of residence and US$10,000 outside the country of residence for illness and/or medical conditions diagnosed during the first 90 days after birth, lifetime. Not related to congenital conditions. See the «Congenital conditions» benefit under «Other Benefits».
|
| Newborn inclusion (with covered maternity) | |||
|
Automatic upon submission of the birth certificate within the first 90 days after birth.
|
Automatic upon submission of the birth certificate within the first 90 days after birth.
|
Automatic upon submission of the birth certificate within the first 90 days after birth.
|
Automatic upon submission of the birth certificate within the first 90 days after birth.
|
| Stem cell preservation (no deductible, with covered maternity) | |||
|
US$2,000 per newborn
|
US$1,500 per newborn
|
US$1,500 per newborn
|
N/A
|
| Tubal ligation at the time of delivery (with covered maternity) | |||
|
US$1,000, lifetime, no deductible
|
N/A
|
N/A
|
N/A
|
| Newborn circumcision in hospital (with covered maternity) | |||
|
US$1,000 per child, no deductible
|
N/A (US$500 per child with Meridian II Plus rider)
|
N/A
|
N/A
|
| Cancer treatment (chemotherapy, radiotherapy and/or immunotherapy) | |||
|
100%
|
100%
|
100%
|
100%
|
| Dialysis | |||
|
100%
|
100%
|
100%
|
100%
|
| Cancer risk-reduction surgery (prophylactic surgery) | |||
|
100%
|
100%
|
100%
|
100%
|
| Reconstructive surgery due to illness | |||
|
100%
|
100%
|
100%
|
100%
|
| Physical, occupational and speech therapy for a covered illness or accident | |||
|
100%
|
100%
|
100%
|
100% during hospitalization. Outpatient: within the outpatient benefit.
|
| Hospice or end-of-life care | |||
|
100%
|
100%
|
100%
|
N/A
|
| Treatment for injuries resulting from sports participation | |||
|
100% for injuries from non-professional sports and from professional sports when the sports team has a medical insurance policy.
|
100% for injuries from non-professional sports and from professional sports when the sports team has a medical insurance policy.
|
100% for injuries from non-professional sports.
|
Injuries from non-professional sports: 100% during hospitalization. Outpatient: within the outpatient benefit.
|
| Dental treatment due to accident (no deductible) | |||
|
100%
|
100%
|
100%
|
100% during hospitalization. Outpatient: within the outpatient benefit.
|
| Congenital conditions | |||
|
100%
|
100% if diagnosed after the first 90 days after birth. For the first 90 days, see «Newborn coverage» under «Maternity Benefits».
|
100% if diagnosed after the first 90 days after birth. For the first 90 days, see «Newborn coverage» under «Maternity Benefits».
|
US$100,000 lifetime if diagnosed before age 18. 100% if diagnosed after age 18.
|
| Nutrition services | |||
|
100%
|
100%
|
100%
|
N/A
|
| Local ambulance | |||
|
100%, no deductible
|
100%, no deductible
|
100%, no deductible
|
100%, no deductible
|
| Home nursing | |||
|
100%
|
100% for 180 days (100% with Meridian II Plus rider)
|
100% for 90 days
|
100% for 30 days
|
| Intraoperative prostheses | |||
|
100%
|
100%
|
100%
|
100%
|
| Organ transplant | |||
|
100%. Medical expenses for organ removal from a donor: US$100,000.
|
US$1,500,000 lifetime. Medical expenses for organ removal from a donor: US$50,000.
|
US$1,000,000 lifetime. Medical expenses for organ removal from a donor: US$30,000.
|
US$300,000 lifetime. Medical expenses for organ removal from a donor: US$25,000.
|
| AIDS treatment | |||
|
US$1,000,000 lifetime
|
US$500,000 lifetime
|
N/A
|
N/A
|
| Medical equipment, external prostheses and orthopedic devices | |||
|
100%
|
100%. External prostheses: US$35,000 (US$120,000 lifetime).
|
US$50,000
|
US$25,000
|
| Alzheimer's | |||
|
100%, with a maximum of US$100,000 for prescription drugs.
|
100%, with a maximum of US$50,000 for prescription drugs.
|
US$50,000
|
US$25,000
|
| Total and permanent disability of the policyholder under age 60 | |||
|
US$50,000, policyholder only
|
US$50,000, policyholder only
|
US$50,000, policyholder only
|
US$10,000, policyholder only
|
| Bariatric surgery (24-month waiting period) | |||
|
US$15,000 lifetime
|
US$10,000 lifetime
|
N/A
|
N/A
|
| Surgical treatment for symptomatic foot disorders (24-month waiting period) | |||
|
100% if accident-related. US$5,000 if not accident-related.
|
100% if accident-related. US$2,500 if not accident-related.
|
100% if accident-related. US$1,500 if not accident-related.
|
100% if accident-related. US$1,000 if not accident-related.
|
| Autism | |||
|
US$5,000
|
US$2,500
|
US$2,000
|
US$1,000
|
| Chiropractic treatment | |||
|
US$4,000
|
N/A
|
N/A
|
N/A
|
| Cosmetic breast reconstruction (24-month waiting period) | |||
|
US$4,000 per policy, lifetime (policyholder or spouse)
|
N/A
|
N/A
|
N/A
|
| Vasectomy | |||
|
US$1,000 lifetime, no deductible
|
N/A
|
N/A
|
N/A
|
| Sexually transmitted diseases | |||
|
US$1,000
|
US$1,000
|
US$1,000
|
US$1,000
|
| Hearing aid (12-month waiting period) | |||
|
US$3,000 lifetime
|
US$1,500 lifetime
|
US$1,000 lifetime
|
US$500 lifetime
|
| Psychiatric consultations | |||
|
US$200 per visit/session. Maximum of 20 visits/sessions.
|
N/A
|
N/A
|
N/A
|
| Home medical visit | |||
|
10 visits
|
10 visits
|
10 visits
|
10 visits
|
| Type | |||
|
Included
|
Optional rider
|
Optional rider
|
Optional rider
|
| Deductible elimination for a medical emergency while traveling outside the country of residence | |||
|
Up to US$5,000 per accident or illness. The conditions indicated below apply.
|
Up to US$5,000 per accident or illness. The conditions indicated below apply.
|
Up to US$5,000 per accident or illness. The conditions indicated below apply.
|
Up to US$5,000 per accident or illness. The conditions indicated below apply.
|
| Air ambulance | |||
|
100%
|
100%
|
100%
|
100%
|
| Transportation expenses for an accompanying family member (after air ambulance) | |||
|
When traveling in the air ambulance is not permitted
|
When traveling in the air ambulance is not permitted
|
When traveling in the air ambulance is not permitted
|
When traveling in the air ambulance is not permitted
|
| Lodging expenses for an accompanying family member (after air ambulance) | |||
|
US$100 per day, maximum 5 days
|
US$100 per day, maximum 5 days
|
US$100 per day, maximum 5 days
|
US$100 per day, maximum 5 days
|
| Medical repatriation (after air ambulance) | |||
|
US$25,000
|
US$25,000
|
US$25,000
|
US$25,000
|
| Return airline ticket | |||
|
US$1,000 per person, per event
|
US$1,000 per person, per event
|
US$1,000 per person, per event
|
US$1,000 per person, per event
|
| Companion airline ticket (hospitalization longer than 5 days) | |||
|
US$1,000
|
US$1,000
|
US$1,000
|
US$1,000
|
| Repatriation of mortal remains or cremation services | |||
|
100%
|
100%
|
100%
|
US$10,000
|
| Return of a minor due to death | |||
|
US$1,000 per policy
|
US$1,000 per policy
|
US$1,000 per policy
|
US$1,000 per policy
|
| Additional hospitalization benefit | |||
|
US$100, US$200 or US$300 per day
|
US$100, US$200 or US$300 per day
|
US$100, US$200 or US$300 per day
|
US$100, US$200 or US$300 per day
|
| Term life insurance | |||
|
US$50,000 or US$100,000
|
US$50,000 or US$100,000
|
US$50,000 or US$100,000
|
US$50,000 or US$100,000
|
| Accidental death and dismemberment insurance | |||
|
Minimum coverage: US$50,000. Maximum coverage: US$250,000.
|
Minimum coverage: US$50,000. Maximum coverage: US$250,000.
|
Minimum coverage: US$50,000. Maximum coverage: US$250,000.
|
Minimum coverage: US$50,000. Maximum coverage: US$250,000.
|
| Total and permanent disability — PTD | |||
|
Minimum US$50,000; maximum US$300,000
|
Minimum US$50,000; maximum US$300,000
|
Minimum US$50,000; maximum US$300,000
|
Minimum US$50,000; maximum US$300,000
|
| Second medical opinion | |||
|
Electronic medical review of the diagnosis or treatment in major health cases.
|
Electronic medical review of the diagnosis or treatment in major health cases.
|
Electronic medical review of the diagnosis or treatment in major health cases.
|
Electronic medical review of the diagnosis or treatment in major health cases.
|
| BMI MD Live Telehealth | |||
|
Phone or video consultations with certified physicians; 24/7 worldwide care and prescriptions when appropriate.
|
Phone or video consultations with certified physicians; 24/7 worldwide care and prescriptions when appropriate.
|
Phone or video consultations with certified physicians; 24/7 worldwide care and prescriptions when appropriate.
|
Phone or video consultations with certified physicians; 24/7 worldwide care and prescriptions when appropriate.
|
| Medical appointment coordination | |||
|
Guidance on specialists and coordination and follow-up of appointments in the United States.
|
Guidance on specialists and coordination and follow-up of appointments in the United States.
|
Guidance on specialists and coordination and follow-up of appointments in the United States.
|
Guidance on specialists and coordination and follow-up of appointments in the United States.
|
| Transportation service | |||
|
Coordination of transfers between the airport, accommodation and medical centers in the United States.
|
Coordination of transfers between the airport, accommodation and medical centers in the United States.
|
Coordination of transfers between the airport, accommodation and medical centers in the United States.
|
Coordination of transfers between the airport, accommodation and medical centers in the United States.
|
| Hospitalization service | |||
|
Hospital guidance and coordination of admission and discharge procedures.
|
Hospital guidance and coordination of admission and discharge procedures.
|
Hospital guidance and coordination of admission and discharge procedures.
|
Hospital guidance and coordination of admission and discharge procedures.
|
| Emergency transfer coordination | |||
|
Coordination of air transfer to the nearest suitable center and assistance with medical repatriation or repatriation of remains.
|
Coordination of air transfer to the nearest suitable center and assistance with medical repatriation or repatriation of remains.
|
Coordination of air transfer to the nearest suitable center and assistance with medical repatriation or repatriation of remains.
|
Coordination of air transfer to the nearest suitable center and assistance with medical repatriation or repatriation of remains.
|
| Medication service | |||
|
Family discounts on prescription drugs in the United States; help obtaining and delivering medications not available locally.
|
Family discounts on prescription drugs in the United States; help obtaining and delivering medications not available locally.
|
Family discounts on prescription drugs in the United States; help obtaining and delivering medications not available locally.
|
Family discounts on prescription drugs in the United States; help obtaining and delivering medications not available locally.
|
| Lodging service | |||
|
Coordination of accommodation near the hospital for the insured and companions.
|
Coordination of accommodation near the hospital for the insured and companions.
|
Coordination of accommodation near the hospital for the insured and companions.
|
Coordination of accommodation near the hospital for the insured and companions.
|
| Special services | |||
|
Coordination of equipment, home care, rentals and routine checkups.
|
Coordination of equipment, home care, rentals and routine checkups.
|
Coordination of equipment, home care, rentals and routine checkups.
|
Coordination of equipment, home care, rentals and routine checkups.
|
| Medical passport | |||
|
Guidance on Latin American centers and specialists as treatment alternatives to the United States.
|
Guidance on Latin American centers and specialists as treatment alternatives to the United States.
|
Guidance on Latin American centers and specialists as treatment alternatives to the United States.
|
Guidance on Latin American centers and specialists as treatment alternatives to the United States.
|