INTERNATIONAL MEDICAL INSURANCE POLICIES FOR MISSIONARIES
International insurance plans are designed specifically for the missionaries who travel overseas for work purposes. Domestic health insurance plans do not offer comprehensive medical coverage outside the homeland and hence, the missionaries need to buy missionary insurance plan during the overseas travel.
These international insurance plans which are designed for missionaries provide coverage worldwide for both non US and US citizens who travel outside their home country. The policies can be purchases for a minimum duration of 10 days or a maximum period of 2 years during initial purchase. For longer periods, long term missionary health insurance plans have been designed.
Many of the long term insurance policies place restrictions on the duration of stay in the US. However, certain specific missionary insurance plans do not place restrictions for these missionaries and their families.
The missionaries enjoy a wide range of coverage benefits on buying the international insurance plans which includes intensive medical care, doctor office visits, treatment of dental injuries which occur during the accident, local transport in the ambulance to the nearest medical set-up during emergencies, accidental death benefits, emergency evacuation, repatriation and reunion, emergency illness treatment with or without hospitalization, and return of mortal remains back to the homeland.
Long term international insurance plans cover the insured for maternity, pre-existing conditions and wellness after an initial waiting period which is pre-determined. The missionaries can also choose coverage for leisure sports and adventure activities.
The effective date of the short term international insurance plans begins on the day the completed application form is received by the insurance provider along with the requested initial payment and the day the missionary departs from the native country. However, if a specific date is mentioned in the application form, the effective date starts as mentioned in the application. Missionaries seeking for long term health insurance coverage should also submit a lengthy questionnaire along with the application form. Coverage period begins once the application is approved.
The international insurance policy designed for missionaries remains valid until the date mentioned in the application form or the expiry of the insurance plan or when the missionary returns back to the homeland, whichever event occurs first.
The renewal of short term international insurance plans can be done either on a monthly basis or on a daily increment basis. Online request or a paper application can be submitted for renewal. In case of renewals for less than a month, only online requests are accepted and a processing fee is charged to carry out the renewal formalities. Annual missionary health insurance plans can be renewed as long as the insured wants to continue with the same plan.