Navigating Medical Coverage & Peace of Mind in Paradise

Moving to Costa Rica is an exciting chapter, but it also comes with questions—especially around health and life insurance. In this latest edition of the Howler Magazine + Quatro Legal webinar series, Terry Carlile sits down with Debbie from Quatro Legal and Gabriela from BMI Insurance to answer a question expats ask every day: “Am I covered?”
This guide walks you through everything discussed in the session—from insurance requirements during the residency process to emergency coverage and life insurance with real investment returns.

Why Insurance Matters for Expats

“You don’t know what you don’t know—until you don’t know it,” says Debbie.
Expats often rely on Facebook for advice, only to find contradictory or outdated information. Many arrive in Costa Rica thinking travel insurance will suffice, only to find themselves unprotected when emergencies happen—like needing an air ambulance or intensive care.
If you’re working on your residency or planning to stay more than 180 days per year, you need real insurance—not just a travel policy.

What Is BMI?
BMI is an American insurance company that has operated in Costa Rica since 2010, specializing in:

• Private health insurance

• Life insurance

• International coverage
  Unlike local public options (like Caja), BMI policies offer immediate access to Costa Rica’s top private medical facilities such as:

• Hospital Metropolitano

• Hospital CIMA

• Clinica Bíblica

• Numerous clinics throughout Guanacaste and the Central Valley

“We only do health and life insurance,” says Gabriela. “And we do it well.”

What BMI Covers?
All BMI health plans are comprehensive and customizable, with options that include:

• Hospitalization

• Outpatient care

• Maternity

• Accidents (including sports-related injuries)

• Cancer treatments and chemotherapy

• Digital doctor consultations

• Dental care (in case of accidents)

• Funeral services

• International coverage (with optional travel assistance)

Application & Eligibility
Applying is straightforward:

1. Fill out a medical history questionnaire

2. Submit documentation if needed

3. Undergo review by BMI’s medical team

   There are three outcomes:

• Full approval

• Standard approval with exclusions

• Rejection (rare, but possible)

“It’s the same process as in the U.S., but done here in Costa Rica,” Gabriela assures.

What About Travel and Emergency Assistance?
A $282/year add-on covers your whole family for:

• International travel assistance (up to 45 days per trip)

• Emergency air ambulance service

“An air ambulance can cost up to $16,000. With BMI’s travel add-on, you’re protected.”

Life Insurance Options: More Than a Payout
BMI offers two types of life insurance:

1. Term Plus

• Coverage for 5, 10, 15, 20, or 30 years

• Starting from $250,000 USD

• Ideal for families who want to protect dependents in case of the unexpected

2. Investment Life Plan

• Combines life coverage with long-term savings

• Linked to major U.S. indexes like NASDAQ 100 and S&P 500

• Offers average annual returns of 8–9%, with minimum guaranteed return of 1%

• Unique to BMI in Costa Rica

Turnaround Time & Customer Support

• Claims are typically processed within 15 business days

• Appeals are welcome—and Gabriela personally helps resolve disputes when needed

• Support is in English and Spanish

• Quotes are personalized and sent quickly via email or WhatsApp

“Out of 6 companies I contacted, only 3 responded,” says Terry. “BMI stood out by replying immediately.”

Why Expats Choose BMI with Quatro Legal
Whether you’re applying for temporary residency, preparing to retire, or moving with family, BMI and Quatro Legal can help you:

• Bridge the gap until Caja kicks in

• Ensure your family is protected

• Get international coverage

• Receive support from professionals who understand your needs

Get Started Today
Quatro Legal can connect you directly with BMI for a personalized quote and consultation.

Disclaimer: The information provided in this blog post is for general informational purposes only and is not intended to constitute legal advice. While we strive to ensure the accuracy and timeliness of the content, laws and regulations are subject to change. For the most accurate and up-to-date information, please contact our office directly. Some images may be AI generated.