BMI Meridian II
Type of plan
Meridian II
Maximum coverage per insured
US$7,000,000 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% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
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
Prescribed medications while hospitalized
• 100% during hospitalization
• 100% after hospitalization or surgery, for up to 90 days
• 100% after hospitalization or surgery, for up to 90 days
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
100%
Complementary therapy
Ancestral medicine, only in the country of residence
• US$500
Alternative medicine
• 100%
• US$500
Alternative medicine
• 100%
Nurse care at home
100% up to 180 days
Preventive health checkup
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
Hearing aids
US$100
Alzheimer’s disease
US$50,000
Autism
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
• US$500
Outpatient surgery
100%
Robotic surgery
• US$25,000
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%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
Included in the durable medical equipment benefit up to US$50,000
Organ and tissue transplant
Per organ/tissue
• US$3,500,000 per lifetime
• US$3,500,000 per lifetime
Benefits for live donors
Included in organ and tissue transplant benefit up to US$3,500,000 per lifetime
Durable medical equipment
US$50,000
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, up to 20 Ecuadorian base salaries for all pre-existing conditions
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
• 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
Surgical treatment of symptomatic foot disorders
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
• 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
Maternity and birth complications
No deductible applies, after a 60-day waiting period
Options I, II & III
• 100%
Options I, II & III
• 100%
Inclusion of the newborn
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
Extraction and storage of umbilical cord blood stem cells
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
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
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%
Pre-natal and post-natal care
Options I, II & III
Pre-natal
• 100%
Post-natal care
• 100%
Pre-natal
• 100%
Post-natal care
• 100%
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$1,000 per person
Repatriation of mortal remains
100%
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
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
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit up to US$50,000
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
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
Catastrophic and chronic illnesses that survive the contracting of the service
100%
Catastrophic and unusual conditions
100%
Medical emergency
100% after a waiting period of 24 hours
Illness or injury in private aircraft
N/A
Contraceptive treatments
Tubal Ligation and Vasectomy, only policyholder and/or spouse/domestic partner
• US$1,000
• US$1,000
Patient concierge services
N/A
Travel assistance
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
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