INTERNATIONAL HEALTH INSURANCE FOR MISSIONARIES
Missionaries who travel overseas for business purposes need to purchase a suitable international insurance plan before their travel. Domestic health insurance plans do not provide comprehensive coverage outside the native land.
Various international travel health insurance plans offer global coverage for non US as well as US missionaries traveling overseas. These beneficial plans can be purchased right from 10 days up to maximum duration of 2 years. For longer periods of overseas stay long term missionary health insurance plans are suitable.
Many of these long term insurance policies restrict the missionaries on the period of stay in the US. However, certain specific insurance plans designed for longer stay address the needs of these missionaries and their families by providing health coverage without many restrictions.
The insured missionaries can enjoy a wide range of coverage benefits through the missionary health insurance plans designed to their needs. Some of the benefits include intensive medical care, treatment of dental injuries which occur during to any accident during the overseas stay, doctor office visits, emergency illness treatment with or without hospitalization, local transport in the ambulance to the closest medical set-up during emergencies, emergency repatriation, evacuation, and reunion, return of mortal remains back to the homeland and accidental death benefits.
In case the missionaries purchase long term missionary health insurance plans, they might be eligible for coverage of pre-existing conditions, maternity and wellness after a specific pre-determined waiting period. Optional coverage for leisure sports, adventurous or dangerous activities are also available.
The effective start date of the short term international insurance plans begins after the insurance provider receives the initial payment as well as the completed application form and you depart from the homeland. Otherwise, it starts on the date that is mentioned in the enrollment form. Missionaries have to fill a lengthy questionnaire if they opt for long term missionary insurance plans along with the application. Coverage begins once the application is approved.
The international insurance policy remains valid until the date requested at the time of application or the expiry of the insurance policy or upon the return of the missionary back to the country of citizenship, whichever event occurs earlier.
Short term missionary health insurance plans can be renewed on a monthly or a daily incremental basis. The request can be submitted online or in the form of a paper application. However, if the individual wants to renew for a period of less than 1 month, only online requests are accepted. In addition, a processing fee would be charged for the renewal process. Annual missionary insurance plans can be renewed as long as the insured wants to continue with the plan.