Frequently asked questions about BMI health insurance in Guatemala

BMI Guatemala offers five health insurance plans. Four have worldwide coverage: 3000 Series, Meridian II, Azure and Ideal. The fifth, Flexi Plan III América Latina, covers Latin America and the Caribbean with a more affordable premium. They differ mainly in the maximum amount per insured per policy year.

International insurance, such as 3000 Series, Meridian II, Azure or Ideal, covers you in any country in the world. Flexi Plan III Latin America covers only Latin America and the Caribbean, in exchange for a more affordable premium. It is a good fit if you live and travel mainly within the region.

Yes. With 3000 Series, Meridian II, Azure and Ideal, renewals are guaranteed with no age limit. That way you keep your protection at the stage of life when the risk of illness increases the most.

In advance. Maternity has a waiting period, so it is best to purchase the policy before planning a pregnancy so that coverage is active when you need it.

The deductible is what you pay before the insurance starts covering. Choose one you can pay with your available cash without compromising your monthly expenses: a higher deductible lowers the premium, but increases your upfront cost if you have a medical event.

The premium depends on the plan, the sum insured, the deductible and the age of each insured. To find out the cost in your case, request a quote from a BMI Guatemala advisor.

3000 Series is BMI Guatemala's international health insurance with the highest coverage: it has no limit per insured or per policy year. It covers you worldwide and lets you freely choose your hospital and specialist, both inside and outside the United States. It includes assistance services.

For business owners, executives, independent professionals and high-net-worth families seeking worldwide coverage, freedom of choice and the greatest financial predictability in the face of a catastrophic medical event.

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.

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

No. Renewal is guaranteed and has no age limit, so you can treat a prolonged illness without using up your savings.

Meridian II is an international health insurance plan with a maximum sum of US$7,000,000 per insured per policy year. It has worldwide coverage, free choice of hospitals outside the United States and guaranteed renewals with no age limit.

Yes. Meridian II covers maternity complications, according to the policy limits.

It is an optional Meridian II rider that raises the maximum sum to US$10,000,000. It also enhances certain hospital and outpatient benefits, maternity and its complications, newborn complications and organ transplants. [VALIDAR EN GUATEMALA: dato de Internacional]

Six 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. [VALIDAR EN GUATEMALA: dato de Internacional]

Yes. Both services are included at no additional cost, and telemedicine is available 24 hours a day anywhere in the world. [VALIDAR EN GUATEMALA: dato de Internacional]

Meridian II offers a very high sum, US$7,000,000 per year, without the need to purchase the highest-coverage plan. It strikes a balance between superior protection and budget.

Azure is international medical insurance with maximum coverage of US$5,000,000 per insured and policy year. It offers worldwide coverage, free choice of hospitals outside the United States and easier access to medical care in the U.S.

For professionals, merchants, executives and families seeking a balance between coverage, medical network and premium. It offers high international coverage without the cost of the higher-tier plans.

Yes, to have 100% coverage. 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$150,000 lifetime, including congenital or genetic conditions diagnosed in the first 90 days. It also pays up to US$1,500 per child for stem cell preservation. 

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. 

Yes. Renewals are guaranteed with no age limit.

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.

Yes. Coverage is worldwide, so it protects you beyond Guatemala and Latin America and overcomes the limitations of local insurance.

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]

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. 

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]

Yes, within the coverage limits the policy sets for maternity and newborns. Renewal is guaranteed.

It is a BMI Guatemala health insurance plan with coverage in Latin America and the Caribbean, unlike the worldwide plans. It has two maximum coverage options, US$500,000 or US$1,500,000, and it is the most affordable plan in the portfolio.

For self-employed workers, small business owners, young families and people who live and travel mainly within Latin America and are looking for a regional alternative with several sum insured options.