BMI Meridian II
Type of plan
Meridian II
Cobertura máxima por asegurado
US$7,000,000 per policy year
Edad límite para solicitar cobertura
Unlimited
Período de espera
30 days
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
100% without restrictions of doctors and hospitals
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100%
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured under age 16
• US$400 per night, max. of 30 nights
• US$400 per night, max. of 30 nights
Medicamentos prescritos durante una hospitalización
• 100% during hospitalization
• 100% after hospitalization or surgery, for up to 90 days
• 100% after hospitalization or surgery, for up to 90 days
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
When justified by the patient's health condition or the impossibility of mobilizing the patient
Medicamentos prescritos
100%
Terapias complementarias
Ancestral medicine, only in the country of residence
• US$500
Alternative medicine
• 100%
• US$500
Alternative medicine
• 100%
Cuidados de enfermero(a) en el hogar
100% up to 180 days
Chequeo médico preventivo
No deductible applies, after a 12-month waiting period
• US$300 per visit, policyholder and spouse only
• US$300 per visit, policyholder and spouse only
Aparatos auditivos
US$100
Enfermedad de Alzheimer
US$50,000
Autismo
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
• US$500
Cirugía ambulatoria
100%
Robotic surgery
• US$25,000
Robotic surgery
• US$25,000
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100%
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100%
Diálisis
100%
Cirugía profiláctica para reducir el riesgo de cáncer
N/A
Prótesis y medios correctivos implantados durante una cirugía
Included in the durable medical equipment benefit up to US$50,000
Trasplante de órganos y tejidos
Per organ/tissue
• US$3,500,000 per lifetime
• US$3,500,000 per lifetime
Beneficios para el donante vivo
Included in organ and tissue transplant benefit up to US$3,500,000 per lifetime
Equipo médico durable
US$50,000
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
100%
Tratamientos especializados
N/A
Condiciones congénitas diagnosticadas antes de los 18 años
Included in the pre-existing conditions declared benefit, up to 20 Ecuadorian base salaries for all pre-existing conditions
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
• US$500,000 diagnosed starting the 13th month after contracting, in and out of the country of residence
• US$50,000 diagnosed within the first 12 months of contracting and/or when the disease was acquired through the use of any type of illicit drug, only in the country of residence
• US$50,000 diagnosed within the first 12 months of contracting and/or when the disease was acquired through the use of any type of illicit drug, only in the country of residence
Tratamiento quirúrgico de trastornos sintomáticos de los pies
N/A
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible applies, after a 60-day waiting period
Options I, II & III
• US$7,500 per pregnancy for unprovoked abortion; normal or cesarean delivery
Options I, II & III
• US$7,500 per pregnancy for unprovoked abortion; normal or cesarean delivery
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 60-day waiting period
Options I, II & III
• 100%
Options I, II & III
• 100%
Inclusión del recién nacido
Options I, II & III
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extracción y almacenamiento de células madres
No deductible applies, after a 60-day waiting period
Options I, II & III
• US$1,500 per covered pregnancy
Options I, II & III
• US$1,500 per covered pregnancy
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
No deductible applies, after a 60-day waiting period
Options I, II & III
• Included in the maternity and newborn complications benefit at 100%
Options I, II & III
• Included in the maternity and newborn complications benefit at 100%
Atención prenatal y postnatal
Options I, II & III
Pre-natal
• 100%
Post-natal care
• 100%
Pre-natal
• 100%
Post-natal care
• 100%
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
100% no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
US$1,000 per person
Repatriación de restos mortales
100%
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% no deductible applies
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
Included in the oncology benefit at 100%, as long as medically necessary and/or disability exists
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100%
Cobertura provisional para accidentes mientras se procesa la solicitud
100% for emergencies and medical emergencies after 24-hour waiting period
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if occurs from a covered event (considering total and permanent disability)
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
N/A
Eliminación del deducible
N/A
Segunda opinión médica
Included
Prótesis externas
Included in the durable medical equipment benefit up to US$50,000
Tratamiento dental mayor o de rutina
N/A
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
N/A
Guerra y terrorismo
N/A
Seguro de vida a término
N/A
Condiciones preexistentes declaradas
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
Medical Emergency related to a declared pre-existing condition, incurred during the pre-existing condition waiting period
• US$500
Emergency Medical related to an undeclared pre-existing condition
• US$500
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Medical Emergency related to a declared pre-existing condition, incurred during the pre-existing condition waiting period
• US$500
Emergency Medical related to an undeclared pre-existing condition
• US$500
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
100%
Condiciones catastróficas y raras
100%
Emergencia médica
100% after a waiting period of 24 hours
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
Tubal Ligation and Vasectomy, only policyholder and/or spouse/domestic partner
• US$1,000
• US$1,000
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
Emergencies or accidents outside the country of residence, with no deductible
• 100% for trips lasting up to 45 days
Medical repatriation
• US$25,000
Stay for accompanying persons
• US$100 up to 5 days
• 100% for trips lasting up to 45 days
Medical repatriation
• US$25,000
Stay for accompanying persons
• US$100 up to 5 days
Beneficio hospitalario en dinero en efectivo
N/A
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
N/A
Evacuación que no sea de emergencia
N/A
Exoneración del período de espera para condiciones preexistentes
N/A