Medical Certainty During Uncertain Times

We understand that it is normal to worry about your health and your family’s wellbeing. To give you the peace of mind that comes with knowing you have the best coverage, we are here to serve you. Due to the ongoing global situation regarding COVID-19 affecting many countries, we have made some changes to better continue serving our members.

The virus is part of the coronavirus family, which includes Severe Acute Respiratory Syndrome (SARS) and the common cold. This virus is a new strain of coronavirus not previously identified in humans.

COVID-19 spreads primarily through droplets of saliva or discharge from the nose when an infected person coughs or sneezes, so it’s important to practice respiratory etiquette (for example, by coughing into a flexed elbow).

The most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat, or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don’t feel unwell. Most people (about 80%) recover from the disease without needing special treatment. Around one out of every six people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems like high blood pressure, heart problems or diabetes, are more likely to develop serious illness. People with fever, cough and difficulty breathing should seek medical attention.

This is an educational tool available through the Member Portal in English and Spanish to guide you if you or a loved one is experiencing symptoms or have questions about COVID-19.

(*) The information provided by this tool is solely for educational purposes and is not a qualified medical opinion.

You can reduce your chances of being infected or spreading COVID-19 by taking some simple precautions:

  • Regularly and thoroughly clean your hands with an alcohol-based hand rub or wash them with soap and water. Washing your hands with soap and water or using alcohol-based hand rub kills viruses that may be on your hands.
  • Maintain at least 1-meter (3 feet) distance between yourself and anyone who is coughing or sneezing. When someone coughs or sneezes they spray small liquid droplets from their nose or mouth which may contain virus. If you are too close, you can breathe in the droplets, including the COVID-19 virus if the person coughing has the disease.
  • Avoid touching eyes, nose and mouth. Hands touch many surfaces and can pick up viruses. Once contaminated, hands can transfer the virus to your eyes, nose or mouth. From there, the virus can enter your body and can make you sick.
  • Make sure you, and the people around you, follow good respiratory hygiene. This means covering your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately.Droplets spread virus. By following good respiratory hygiene, you protect the people around you from viruses such as cold, flu and COVID-19.
  • Stay home if you feel unwell. If you have a fever, cough and difficulty breathing, seek medical attention and call in advance. Follow the directions of your local health authority.National and local authorities will have the most up to date information on the situation in your area. Calling in advance will allow your health care provider to quickly direct you to the right health facility. This will also protect you and help prevent spread of viruses and other infections.
  • Keep up to date on the latest COVID-19 hotspots (cities or local areas where COVID-19 is spreading widely). If possible, avoid traveling, especially if you are an older person or have diabetes, heart or lung disease.You have a higher chance of catching COVID-19 in one of these areas.

Don’t panic. Most people infected with the COVID-19 virus will experience mild to moderate respiratory illness and recover without requiring special treatment. Call your medical provider in advance to inform them of your symptoms. Contact us so we can support you through the process.

  • Dedicated e-mail: Our dedicated email is available 24/7. Our doctors and medical professionals will assist you and guide you should you or a family member have symptoms or a confirmed COVID-19 diagnosis.
  • Phone numbers: Call us directly free of charge.
  • BD2go app: Contact us on the go, anytime, anywhere. View and manage your policy information with the BD2go smartphone app. Available in the Apple Store and Google Play Store.
  • LiveChat: Real-timecommunication to get your questions answered, from 9:00 am to 6:00 pm EST. Look for the  symbol that pops up on the right side of the Home page or access through the Member Portal and Agent Portal.
  • Patient Services Messaging: Personalized guidance for your medical needs through WhatsApp: +1 786.447.7079. Available from 9:00 am to 6:00 pm EST.
  • Call Back: You can leave us a message, and we will call you back within 24 hours. Also available through the Member Portal and the Agent Portal.
  • For medical emergencies, please contact our Precert Team, available 24/7at +1 305.269.2521 or

Access a doctor from your home and feel better sooner! Now, more than ever, we provide tools to help you minimize potential COVID-19 exposure. Our convenient Telemedicine service allows you a safe and easy way to receive medical care via a live video conference at any time from the comfort of your home.

Do you feel sick? Don’t want to leave home? We offer you a convenient service in case you feel sick and want to see a doctor in the comfort of your home.This is a fast and reliable service to avoid unnecessary visits to a hospital or urgent care clinic, especially during this delicate time when we are asked to stay home whenever possible. Click on the links below for more information. This service is subject availability in some countries.

You can view your policy information and documents, download a copy of your ID card, pay your premium, submit and track your claims, access useful online resources for members, and much more in the Member Portal!

For your convenience, all ID cards are available on the Member Portal, the Agent Portal, and the BD2go app. Due to current mailing restrictions to some countries, no printed ID cards will be shipped until further notice.

This is an easy-to-use tool to directly submit your claims electronically, so that the process is faster and more efficient and avoid mailing restrictions and delays.

We will be processing claim reimbursements through wire transfers. Please provide or update your bank information to help us avoid unnecessary delays and reduce the response time, as we are currently not able to mail checks to several countries. Please send the following information to

  • Policyholder name
  • Policy number
  • Bank name and address
  • Account number
  • ABA/SWIFT/routing number
  • CLABE (only in Mexico)

We can receive premium payments on the Member Portal, the Agent Portal, and the BD2go app. To process your premium payments in a secure and timely manner, please choose one of the following options:

  • Online payment via the Member Portal or our BD2go app using a credit or debit card or a checking or savings account (*).
  • Payment by phone at +1 305.269.2521 with a credit or debit card or a checking or savings account (*).
  • Payment by wire transfer or direct deposit. Please send proof of payment to confirming that the transaction has been completed. Unfortunately, we are not able to accept checks at this time.

(*) Payments with debit card, checking, or savings accounts must be from an account in the U.S.

You can find information about the disease, how to avoid getting sick, what to do if you get sick, how to contact us, and a lot more in the Resources section after you log in to the Member Portal and Agent Portal.

The World Health Organization (WHO), the Centers for Disease Control and Prevention (CDC), and the Pan American Health Organization (PAHO) are closely monitoring the situation. Please click on the links below to get additional information from these organizations.

  • WHO
  • CDC (USA)
  • PAHO (Latin America and the Caribbean)