Worldwide coverage
Maximum benefit of US$1,000,000, expandable to US$3,000,000, with the option to exclude the U.S.
Ideal
Health insurance
International health insurance with worldwide coverage up to US$1,000,000, expandable to US$3,000,000, 100% Ideal USA network and guaranteed renewal with no age limit.
Ideal benefits for your family
What you get with Ideal
The entry point to BMI's international portfolio: worldwide coverage for people looking for an affordable option.
100% coverage for the essentials
Hospitalization and outpatient surgery at 100% in its main benefits.
Ideal USA provider network
Within the U.S., covers 100% with the Ideal USA network and 50% outside it.
Why choose Ideal?
Designed for people between 25 and 55 who need international coverage and are looking for an affordable entry point to BMI's portfolio.
Expandable maximum benefit
US$1,000,000 per insured and policy year, expandable to US$3,000,000 if you need more coverage.
100% coverage for the essentials
Room, physician fees, diagnostics and prescription drugs covered at 100% for hospitalization and outpatient surgery.
Ideal USA provider network
In the U.S., covers 100% with the Ideal USA network and 50% outside it; you know in advance how your coverage responds.
Up to 50% lower deductible
Deductible reduction after 3 consecutive years without claims, on all options from US$500 to US$10,000.
Guaranteed renewal
Lifetime renewal with no age limit, with enrollment possible up to age 74.
Maternity with no deductible
US$3,000 per pregnancy with no deductible, with the newborn included upon submitting the birth certificate.
Optional emergency assistance
International Emergency Assistance rider available as an option at an additional cost.
Transplants and Alzheimer's covered
Organ transplant up to US$300,000 lifetime and Alzheimer's up to US$25,000.
Starting your career
Worldwide coverage from an affordable entry point, with the option to expand the benefit to US$3,000,000 and up to 50% lower deductible after 3 years without claims.
Starting a family
US$3,000 maternity with no deductible, newborn included with their certificate, pediatric checkup and neonatal complications up to US$100,000 lifetime in the first 90 days.
Approaching retirement
Guaranteed renewal with no age limit, enrollment up to age 74 and coverage for organ transplants up to US$300,000 lifetime and Alzheimer's up to US$25,000.
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Ideal is the entry plan to BMI's international portfolio. It offers a maximum benefit of US$1,000,000 per insured and policy year, expandable to US$3,000,000, with worldwide coverage and the option to exclude the U.S. The main hospitalization and outpatient surgery benefits are covered at 100%.
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Within the United States, Ideal covers 100% if you receive care in the Ideal USA provider network and 50% outside it. That way you know in advance how much the plan pays depending on the provider you choose. Outside the U.S., coverage is worldwide.
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It covers US$3,000 per pregnancy with no deductible and automatically includes the newborn with the birth certificate. Newborn complications in the first 90 days are covered up to US$100,000 lifetime. Congenital or genetic conditions have a separate limit, depending on the age at diagnosis. It also includes a routine pediatric checkup.
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Yes. You can start with US$1,000,000 per insured and policy year and expand it to US$3,000,000 if your needs change.
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You can take it out up to age 74 and renew it for life, with no age limit. It covers conditions that become more common with age: organ transplants up to US$300,000 lifetime (kidney, heart, liver, bone marrow, cornea, lung or pancreas) and Alzheimer's up to US$25,000. After 3 years without claims, the deductible is reduced by up to 50%.
