When you’re traveling, the last thing you want to have to worry about is your health. That’s why a BMI plan can be a great option for travelers. BMI plans are designed to provide medical assistance in the event of an accident or illness while you’re away from home.
Consider taking a trip far from home. Always keep travel medical help in the back of your mind. Make sure you have a list of the businesses that offer support for medical assistant travel. Keep in mind that your safety and health should always come first.
One way to do this is by purchasing a traveling certified medical assistant plan, which can provide you with coverage in the event that you become ill or injured while traveling. BMI plans are one type of traveling medical assistant plan that you may come across.
Before anything else, let’s have a small discussion about BMI.
What Is BMI?
A BMI plan is a company that offers emergency medical and repatriation coverage while you’re traveling. If you get sick or hurt while traveling, this kind of insurance is meant to safeguard you. The majority of BMI policies include coverage for up to $1,000,000 in emergency medical costs as well as for things like transportation back to your home country in the event that you need hospitalization.
People with a Body Mass Index (BMI) of 30 or more who are traveling outside of their home country are covered by BMI plans, which are travel medical aid policies. These policies offer coverage for costs associated with illness or injury, such as emergency medical care, evacuation, and repatriation.
How Do BMI Plans Work?
The costs of emergency medical care, evacuation, and repatriation, up to the extent of your plan, will be covered if you get sick or hurt while traveling under a BMI plan. Any deductibles or copayments imposed by your plan, as well as any expenses incurred in excess of the limits of your coverage, are your responsibility. Not all medical illnesses are covered by BMI plans; pre-existing disorders and elective procedures are frequently not covered.
How can I say the BMI Is right for me?
If you are planning a trip outside of your home country and you have a Body Mass Index (BMI) of 30 or higher, a BMI plan may be right for you. These plans provide coverage for emergency medical care, evacuation, and repatriation in the event that you become ill or injured while traveling. Before purchasing a plan, be sure to review the terms and conditions to understand what is and is not covered by the plan.
Here are a few things to keep in mind when selecting a BMI plan:
Types of Coverage Offered by BMI Plans
Most BMI plans will provide two types of coverage. The emergency medical and repatriation.
Emergency medical coverage- It will protect you in the event that you become sick or injured while abroad and will cover the cost of things like hospital stays, ambulance rides, and doctor’s visits.
Repatriation coverage- Provides transportation back to your home country in the event that you need to be hospitalized for more than seven days, or if you need to be evacuated due to an emergency.
It is important to choose a plan that offers both types of coverage, as they both provide vital protection in the event of an accident or illness while traveling.
What are the coverage limits of BMI?
In order to protect yourself from large medical costs, it is crucial to select a BMI plan with a high coverage level. The majority of policies have a $1,000,000 maximum, which should be enough to cover the majority of emergencies. However, in order to be completely covered, you might want to think about selecting a plan with an even greater maximum if you intend to engage in any risky activities while you are away from homes, such as skiing, hiking, or diving.
What are the Identification Requirements of BMI?
Your passport and other forms of identification will be required when you apply for a BMI plan to prove your identity. In some circumstances, in order for your application to be approved, you might also need to provide extra documentation—such as proof of residency or citizenship.
How Much Does a BMI Plan Cost?
The cost of a BMI plan will vary depending on factors such as your age, destination, length of stay, and activities planned. It is important to compare different plans and find one that fits your budget and needs.
When Should I Purchase a BMI Plan?
You should purchase a BMI plan as soon as you book your trip. This way, you will be covered in the event that you have to cancel your trip due to an unforeseen circumstance.
How can I file a claim?
If you need to make a claim, you will first need to contact the travel insurance company that issued your policy. The company will then provide you with instructions on how to proceed with your claim.
What Does a BMI Plan Cover?
A BMI plan can cover a wide range of medical expenses while you’re traveling. This can include things like:
In the event of an accident or illness, a BMI plan is a sort of insurance that offers medical help to travelers. If you are preparing for a trip, it’s crucial to be aware of the medical support you can get in case of an emergency. You can feel secure knowing that you are covered in the case of an accident or illness while traveling by obtaining a solo policy or adding a BMI plan to your comprehensive travel insurance package.