Hospitalization at 100%
Medical and surgical services, fees, hospital room, and intensive care at 100%.
Ideal
Health insurance
International medical insurance with two coverage options, US$500,000 or an optional US$1,500,000 per insured and policy year, with worldwide coverage and guaranteed renewals.
Ideal benefits for your family
What you get with Ideal
Ideal combines hospitalization, outpatient care, and maternity, with coverage of up to US$3,000,000 per insured and policy year.
Outpatient care
Outpatient surgery, doctor and specialist visits, and laboratory and diagnostic tests at 100%.
Newborn
Newborn conditions diagnosed in the first 90 days, covered for life.
Why choose Ideal?
Designed for salaried professionals, merchants, self-employed people and young families aged 25 to 55 looking for a functional international option for hospitalizations and high-cost illnesses.
Annual coverage of up to US$3,000,000
Coverage of up to US$3,000,000 per insured and per policy year, to respond to hospitalizations and high-cost illnesses.
Protection for your finances
Protect your finances against unexpected health events, with two coverage options depending on your needs.
Beyond Guatemala and Latin America
Worldwide geographic coverage, with free choice of hospitals outside the United States, beyond the region.
Go beyond the limitations of local insurance
A practical international option that overcomes the coverage limitations of local insurance.
Guaranteed renewal
Guaranteed renewals with no age limit, with a maximum enrollment age of 74.
Organ transplant
Organ transplant covered up to US$300,000 lifetime, plus chemotherapy, radiotherapy and dialysis at 100%.
6 deductible options
Choose from 6 deductible options, from US$500 to US$20,000, applicable per insured per policy year.
BMI Access and BMI MD Live
At no additional cost: a 24-hour BMI Access medical coordinator and BMI MD Live telehealth, available 24/7 worldwide.
Starting your career
Access international coverage from the start of your career. Protect yourself against serious events and maintain continuity through guaranteed renewals.
Starting a family
It offers a significant amount to protect family assets, with specific coverage limits for maternity and newborns.
Approaching retirement
You can prevent an illness or unexpected event from affecting your retirement savings. Choose the deductible based on the liquidity available for initial medical expenses.
Document Downloads
Download the complete information on the Ideal plan
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Ideal is the gateway to BMI Guatemala's international medical coverage. It has two maximum coverage options, US$1,000,000 or US$3,000,000 per insured per policy year, with worldwide geographic coverage. It is designed for hospitalizations and high-cost illnesses.
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Yes. Coverage is worldwide, so it protects you beyond Guatemala and Latin America and overcomes the limitations of local insurance.
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Within the United States, Ideal covers 100% if you receive care within the Ideal USA provider network and 50% outside it. This way you know in advance what portion the plan pays depending on the provider you choose. [VALIDAR EN GUATEMALA: dato de Internacional]
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It covers US$2,500 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.
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Yes. After 3 consecutive years without claims, the deductible is reduced by up to 50%, for deductible options from US$500 to US$10,000. [VALIDAR EN GUATEMALA: dato de Internacional]
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Yes, within the coverage limits the policy sets for maternity and newborns. Renewal is guaranteed.
