Frequently asked questions about BMI international health insurance

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.

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.

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.

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.

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.

There is no single price. The premium depends on the plan chosen, each insured's age, the deductible and any optional riders added. To find out the exact cost in your case, request a quote from a BMI agent.

Azure is international health insurance with a maximum benefit of US$5,000,000 per insured and policy year, with worldwide coverage. If you prefer, you can exclude the U.S. Outside the United States you freely choose your hospital and doctor. Within the U.S., coverage is 100% in the Azure USA provider network.

Yes, to be covered at 100%. Within the United States, Azure pays 100% in the Azure USA provider network and 75% outside it. For an emergency treated outside the network, the plan guarantees up to US$50,000 in medical treatment.

It covers US$5,000 per pregnancy with no deductible, maternity complications up to US$150,000 and newborn complications up to US$250,000 lifetime. The latter include congenital or genetic conditions diagnosed in the first 90 days of life. It also pays up to US$1,500 per child to preserve umbilical cord stem cells.

No, in Azure it is an optional rider at an additional cost. The exception is residents of Mexico, for whom it is free.

Yes. After 3 consecutive years without claims, the deductible is reduced by up to 50%. The benefit applies to deductible options from US$500 to US$10,000.

You can take out Azure up to age 74 and renew it for life: renewal is guaranteed with no age limit. The general waiting period is 30 days, with immediate coverage for accidents and infectious diseases.

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%.

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.

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.

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.

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%.

Meridian II is international health insurance with worldwide coverage, free choice of providers and a maximum benefit of US$7,000,000. It covers hospitalization, outpatient care, maternity and highly complex treatments such as cancer, dialysis and transplants. It includes BMI Access and 24/7 telemedicine.

It is an optional Meridian II rider that raises the maximum benefit to US$10,000,000. It also improves some hospital and outpatient benefits, maternity and its complications, newborn complications and organ transplants.

Residents of Latin America and the Caribbean up to age 74 can take it out. From age 65, new applications require a medical exam and laboratory tests. Once taken out, it is renewed on a guaranteed basis with no age limit.

It offers six deductible options: US$500, US$1,000, US$2,500, US$5,000, US$10,000 and US$20,000. Under certain conditions, the plan allows the deductible to be waived or reduced.

It includes maternity and its complications, newborn complications, pediatric checkups and immunizations, and umbilical cord stem cell preservation. It also covers congenital and genetic conditions of children born under the policy. Each benefit has its own limits, deductibles and waiting periods.

Yes. Both services are included at no additional cost. Telemedicine is available 24 hours a day, every day, anywhere in the world.

3000 Series is BMI's most comprehensive international health insurance. It has no maximum benefit limit per policy year and its coverage is worldwide, with the option to exclude the U.S. You can choose any hospital or doctor, inside and outside the United States.

No. 3000 Series has no maximum benefit limit per policy year. It is the only one of the six international plans with no annual cap.

No. 3000 Series does not require you to use any preferred network in the U.S. You can choose your hospital and doctor with complete freedom inside and outside the country, without penalties.

It is the broadest maternity coverage in BMI's portfolio. Outside the U.S. it covers up to 100% with no deductible, and maternity and newborn complications at 100%, with no lifetime limit. It includes congenital conditions, pediatric checkups, tubal ligation and stem cell preservation. The newborn is added with the birth certificate.

No. In 3000 Series it is included at no additional cost and covers air ambulance, medical repatriation and companion expenses.

Yes. Renewal is guaranteed for life with no age limit, and you can take it out up to age 74. From age 65, new applications require a medical exam and laboratory tests.

Core Advantage is international health insurance with worldwide coverage and a maximum benefit of US$3,000,000. Outside the United States you can freely choose your provider; within the U.S. you receive care in the Core Advantage USA provider network. It covers hospitalization, outpatient care, maternity and highly complex treatments.

Residents of Chile, Paraguay or Peru up to age 74 can take it out. From age 65, new applications require a medical exam and laboratory tests. Renewal is guaranteed with no age limit.

It covers, among others, transplants, gene therapy, CAR-T cell therapy, cancer treatments and dialysis. It also includes hospitalization, surgery, medications and diagnostic services.

You can choose from US$500, US$2,000, US$5,000, US$10,000 and US$20,000. Under certain conditions, such as hospital care or outpatient surgery in your country of residence, the deductible may be waived or reduced.

It includes BMI Access, second medical opinion and 24/7 telemedicine worldwide. You can also add optional riders such as Travel Support.

MediProtect is a health plan for residents of Mexico up to age 74. It covers Latin America and the Caribbean, except Brazil, with free choice of hospitals and doctors and no provider network. The maximum benefit is US$250,000 per insured and policy year, expandable to US$500,000 with a rider.

It covers hospitalization at 100%: medical and surgical services, fees, laboratory, room and intensive care (up to 240 days). It also covers outpatient surgery and outpatient care at 100%, with a cap of US$10,000.

There are six options: US$500, US$1,000, US$2,500, US$5,000, US$10,000 and US$20,000. The deductible applies per insured and policy year, with a maximum of 2 deductibles per family.

Yes. The general period is 30 days, with immediate coverage for accidents and infectious diseases. Routine medical checkups and hearing aids have a 12-month waiting period.

It has three: one that raises the maximum benefit to US$500,000, a US$50,000 or US$100,000 Term Life Insurance and the Accident Deductible Waiver. In addition, BMI Access, with an assigned medical coordinator, and 24/7 telemedicine are included at no cost.