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1

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

Insurance Office

2

325 Chestnut St. #916, Philadelphia, PA 19106 855-745-3636

Insurance Office

3

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

Insurance Office

Philadelphia, PA 19118 215-242-8200
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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

All company managers, not-for-profit and for-profit, know they need insurance. They don’t always know why, and they don’t always understand exactly how it works, but they know there are funders, landlords, banks, and others who require that they have it.

Automobile insurance premium rates have been on the rise for the past several years, and they are expected to continue to increase in the immediate future. What is behind the higher rates and how might rapidly evolving technology affect automobile insurance in the years to come?

Ever since President George H.W. Bush talked about the “thousand points of light,” there has been considerable public attention on, and interest in, volunteerism. Most not-for-profit organizations rely on volunteers to some degree to fulfill their mission, and their insurance policies must address the associated liability brought on by volunteer programs.