BMI Support

Type of plan
Support
Maximum coverage per insured
US$500,000 per policy year
Age limit to apply
Unlimited
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the preferred provider network
• Outside the preferred provider network coverage will be at 50% and US$50,000 for emergencies
Inpatient Benefits
Standard private hospital room
100% up to 240 days, after a 90-day waiting period
Special benefit for suite
N/A
Intensive care unit
100% up to 240 days, after a 90-day waiting period
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 16, after a 90-day waiting period
• US$50 per night, max. of 10 nights
Prescribed medications while hospitalized
100% during hospitalization, after a 90-day waiting period
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
When justified by the patient's health condition or the impossibility of mobilizing the patient
Prescribed medications
Within Ecuador
• 100%

Outside Ecuador
• N/A
Complementary therapy
Ancestral medicine, only in the country of residence
• US$500

Alternative medicine
• 100%
Nurse care at home
N/A
Preventive health checkup
100% of the total amount of coverage
Hearing aids
N/A
Alzheimer’s disease
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
Autism
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
Outpatient surgery
100%

Robotic surgery
• US$25,000
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
• 100% after a 30-day waiting period for outpatient services and 90 days for inpatient hospital services.

International coverage for cancer, chronic renal failure, cardiovascular disease, 100% in and 50% out of network preferred providers, for outpatient services and 90 days for inpatient services.
• US$1,000,000 per policy year
• US$1,500,000 lifetime
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
N/A
Prostheses and medical appliances implanted during surgery
N/A
Organ and tissue transplant
International coverage for organ transplant, 100% in-network and 50% out-of-network preferred providers, for outpatient services and 90 days for inpatient services
• US$500,000 per policy year
• US$750,000 per lifetime
Benefits for live donors
Included in organ and tissue transplant benefit up to US$500,000 per policy year or US$750,000 per lifetime
Durable medical equipment
N/A
Allergy treatments
N/A
Physical therapy and rehabilitation
100%
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
Included in the pre-existing conditions declared benefit
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$10,000 for outpatient services and 90 days for inpatient services
Surgical treatment of symptomatic foot disorders
N/A
Bariatric surgery
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• 100% of the total amount of coverage
Maternity and newborn complications
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• US$50,000
Inclusion of the newborn
Options I, II, III & IV
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$50,000
Pre-natal and post-natal care
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• 100% of the total amount of coverage
Medical Evacuation Benefits
Emergency transportation by ground ambulance
US$100 for local ambulance
Emergency transportation by air ambulance
Included in the benefit of emergency transportation by ground ambulance up to US$100
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
N/A
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
100% no deductible applies
Reconstructive surgery after an accident or illness
Included in the oncology benefit at 100%, as long as medically necessary and/or disability exists
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
100% for emergencies and medical emergencies after 24-hour waiting period
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event (considering total and permanent disability)
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
N/A
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period

Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Catastrophic and chronic illnesses that survive the contracting of the service
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Catastrophic and unusual conditions
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Medical emergency
100% after a waiting period of 24 hours
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
Emergencies or accidents outside the country of residence, no deductible applies outside the Schengen area and within the Schengen area US$150
• US$10,000 for trips lasting up to 30 days
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A