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14 E Highland Ave, Philadelphia, PA 19118 855-745-3636

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14 E Highland Ave, Philadelphia, PA 19118 215-242-8200

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1436 Lancaster Avenue, Berwyn, PA 19312 610-527-1881

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Medical & Disability

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Delivering Medical & Disability Services

BMT Insurance Advisors provides insurance solutions for individuals who are unable to obtain Medical and Disability coverage through traditional markets. This includes individuals traveling outside the United States or citizens temporarily living abroad who are looking for Major Medical insurance while they are away. Additionally, we have solutions for individuals unable to secure Disability coverage through traditional markets because of their occupation and other factors. We work with a partner with the underwriting capacity to cover risks that traditional insurance carriers can’t or won’t insure.

Personal Disability Insurance for High Risks

Some individuals due to their age, type of employment, workplace location, frequent international travel or the need for a high-limit plan based on their income require other avenues for Disability insurance in the event an injury or illness prevents them from taking care of their families and obligations. We have access to many high-limit Disability plans designed for clients whose needs are not being met by the traditional market. Our plans are custom designed for a wide range of clients, including entertainers, professional athletes, college athletes, motor racers, brokers & traders, and airline pilots.

International Major Medical Plan

We’re able to write International Major Medical plans for U.S. citizens traveling or temporarily residing outside of the country and non-U.S. citizens and resident aliens in the United States. For example, you may be going abroad for business, to study or on vacation and want the security of International Major Medical coverage. Conversely, foreign exchange students living here, individuals visiting or emigrating to the U.S. or those performing occupational outsourcing jobs in our country want the security of coverage. We can meet your needs with a temporary International Major Medical insurance plan with a maximum term length of 11 months. Eligible expenses include hospital and physician services. In addition, other expenses will be paid according to the policy terms and limits for skilled nursing facilities, home health care, medical evacuation, accidental death, ambulance services and prescription drugs, among others.

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Latest Insights

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Insuring a residential condominium unit can be complicated. If you own a condo and sustain damage, there are two insurance policies that will respond: your own condo unit owner’s policy (or HO-6), and the association master policy. In this week’s newsletter, we discuss what each policy covers and offer insight into selecting better-than-basic coverage options for your HO-6 policy.

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