Missionary Travel Coverage: Peace of Mind as It Should

Imagine yourself being sent on a missionary trip to the Pacific Isles.

After years of doing charitable work in the mainland, there is finally a
trip outside of the US. As you pack your bags and check your
documents, you turn white. No, they could not hae made a mistake.
Suddenly you reali!e that there was no missionary travel coverage.
"his could be a scenario that could hae happened to many missionary
workers a few years back. Now, thanks to globali!ation, medical
insurance needs can be addressed een outside of the bounds of one#s
country of residence where before, the aailable missionary travel
coverage was sorely lacking that the person had to shell out a large
amount of money in the unfortunate eent that he got sick. Now he
can trael haing the peace of mind that he is backed up by a
missionary travel coverage that would coer his needs.
"he following will gie you an idea of the coerage of current
missionary travel coverage$
Ma%imum &imit 'oerage$ "his could be anywhere from ()*,*** to
(+.*M.
Indiidual ,eductible$ "he applicant will be asked to encircle the
amount he is choosing as a deductible. "his deductible will in turn
determine the premium and eentually the ma%imum limit
coerage.
'o-insurance$ In co-insurance, a group of medical practitioners
agrees with the insurer or third party to proide medical serices at
reduced cost to the insurer#s or administrators clients. "his is what
is called the preferred proider option .PP/0. "his does not come
at no cost to the insurer as the PP/s charge an access fee for the
use of the network. 1hat#s good about the PP/ is that the client
has access to a wider selection of medical practitioners as opposed
to using only the named practitioners by the health insurance
company.
"his co-insurance works only within the US and 'anada. 2or
treatment receied within the US and 'anada, if the patient is
enrolled under the PP/ network, 3*4 of the eligible e%penses is paid
by the plan up to a ma%imum of (),***, then up to the ma%imum
limit. If the patient is not enrolled under PP/, only 5*4 of the eligible
e%penses up to (),*** is paid, then is coered up to the ma%imum
limit.
6enefit period. If there is a need to continue treatment for the
in7ury or the illness een after the e%piration of the coerage
period, treatment will still be coered up to a ma%imum of si%
months counted from the start of in7ury or illness. 1hen the
coerage e%pires, the coerage of the sickness or in7ury will be
dependent upon the number of months illness began before the
e%piry of the coerage. If it is less than 8 months, then coerage
for the illness or in7ury for the renewed contract will still be
included. "his, howeer, is sub7ect to the ma%imum limits until the
8 months of continuous treatment has been done.
Medical 6enefits. 9oom rates pare paid up to the ma%imum but
only for a semi-priate room. All other benefits e%cept dental
serices are sub7ect to the ma%imum limits and sub7ect to co-
insurance, wheneer possible.
,ental serices. 'ost of emergency treatment if the in7ury is due
to an accident is coered up to the ma%imum amount to restore or
replace sound natural teeth lost or damaged.
A ma%imum of (:** will be paid for sudden dental emergency for
the relief of pain to sound natural teeth.
;ospital daily indemnity. If included in the plan, the company will
indemnify the patient directly (:** for each day#s stay but not to
e%ceed :* days. "he coerage though is not aailable for non-US
citi!en who are hospitali!ed due to the sudden recurrence of pre-
e%isting condition.
International emergency care. .should be coordinated with the plan
administrator0
<mergency medical eacuation may be done to the nearest
aailable medical facility, including reasonable cost of transportation
resulting from eacuation and returning either to home country of
original place of eacuation, Ma%imum limit for this is ()**,***.**.
<mergency 9eunion coerage. "he plan may allow emergency
coerage for ()*,***.** for a ma%imum of :) days to be used by a
friend or relatie to accompany the insured during eacuation or to be
used for traelling by the friend or the relatie from home to be
reunited with the insured.
9eturn of mortal remains. If the illness of in7ury results in the
death of the insured, repatriation of the mortal remains will be coered
up to the ma%imum of ()*,***. If the body will be cremated in the
place of death, preparation and local burial will be coered up to a
ma%imum of (),***.**.
9eturn of minor children. If the illness or in7ury results in the
death of the insured and there are minor children who will be left
unattended, the plan will pay for the one-way economy fare of the
child for a ma%imum of ()*,***.**, with chaperon if need be, to
ensure the safety of the child.
Political eacuation. If the US State ,epartment and any of its
similar goernment offices as well as the consular offices of the
countries of the person insured orders an eacuation of all non-
emergency goernment personnel due to political instability on or
after the arrial of the insured in the host country, a ma%imum of
(:*,*** will be paid to coer transportation of the insured to the
nearest place of safety sub7ect to the following$
:. "he insured shall inform the company of such eacuation order
from his home country within :* days of the announcement of the
eacuation order=
+. "he eacuation order came from persons of the same country as
the person insured=
>. "he political repatriation and eacuation is approed and
coordinated by the company.
In no case will political ealuation be coered if there is a trael
warning issued within 8 months of the insured#s arrial in the host
country.
Additionally, eacuation, reunion, and repatriation coerage must
by recommended by the attending physician in case of medical
situations and must be approed by the International Medical ?roup
.IM?0.
Natural disaster benefit. "his benefit is made aailable to an
insured in the eent of a natural disaster where migration of the
populace is done for safety purposes. "he company will pay (:** for
a ma%imum of ) days.
Identity theft assistance. In case where the insured#s identity was
stolen .use of SS number or ,rier#s license0 to aail of the insured
insurance benefits, the company will proide coerage up to a
ma%imum of ()**.** to coer an insurance claim that was re7ected
solely because of the identity theft. "his amount shall coer all
incidental e%penses in rectifying altered records.
"he identity theft must hae happened during the period of
coerage.
Additional 6enefits of Missionary Travel Coverage
Aside from those preiously mentioned, your missionary travel
coverage also coers the following additional benefits$
"errorism coerage. A ma%imum amount of ()*,*** is gien to the
insured if he gets in7ured due to acts of terrorism of which he has no
direct participation.
Sports and actiities coerage. "his if for a ma%imum of ()*,*** when
the insured gets in7ured in non contact sports that are not organi!ed,
which the insured does solely for leisure or recreation purposes.
"here would also be insurance coerage@s for sudden and une%pected
recurrence of pre-e%isting conditions, home country coerage@s,
common carrier death coerage, death and dismemberment and lost
luggage.