Missionary Insurance, Short-Term"USA-Style" International Health Insurance for Travel, Trips Overseas. |
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For missionary insurance needs, here is a choice of competing international health and travel insurance plans for short-term missions abroad. All plans are USA-Style. Page Contents...
Liaison Majestic... Short-Term International Health & Travel Insurance
Liaison Majestic - Quote & Apply (opens in a new window) Liaison Majestic may be purchased in daily increments, from 5 days up to one year. The plans may be renewed for up to 3 years of continuous coverage. Plan Advantage - For U.S. citizens traveling outside the USA or Canada, this plan will pay up to $20,000 for the sudden and unexpected reoccurrence of a "pre-existing condition," (to $2500 for persons age 65 or over). Plan Advantage - When traveling outside the USA or Canada, the look-back period for "pre-existing conditions" is only twelve (12) months (instead of 36 months). Plan Advantage - in most states, insured by Nationwide Insurance, fully regulated. Plan Advantage - Emergency medical evacuation (up to $300,000) is a separate benefit that does not count towards the policy's medical maximum and is not subject to the "pre-existing" exclusion for medical benefits. Also, back to "Home Country" is a specifically stated benefit. Limitation to Note - Travel back to your home country (USA) for follow-up treatment of a covered injury or illness first diagnosed or treated while outside the USA is limited to $5000. Liaison Majestic - Quote & Apply (opens in a new window) What to Expect After You Apply - Upon completing your online application, a Confirmation page will appear. Within moments, you are sent a confirmation e-mail. Print the Confirmation page or e-mail and make extra copies. This is your insurance confirmation /ID card. The confirmation/ID contains your policy number, insurance contact information, and critical "Pre-Notification" instructions. This is good, detailed information on using the plan and you should keep it handy in several locations. Diplomat... (2 Plan Choices) Short-Term International Health & Travel Insurance
Diplomat LT (renewable) - coverage for up to 36 months. Diplomat LT - Quote & Apply (select "LT," opens in a new window) Diplomat International (non-renewable) - coverage from 15 days to one year. Diplomat International - Quote & Apply (opens in a new window) Plan Advantage - All Diplomat plans are insured by a US-domiciled insurance company (AIG) that is fully regulated ("admitted") in all 50 states. Plan Advantage - All Diplomat plans have a 52 week Benefit Period, as compared to 26 weeks (or less) with most other short-term international health insurance plans. Plan Advantage - Emergency Medical Evacuation (up to $300,000) is a separate benefit that does not count towards the policy's medical maximum and is not subject to the "pre-existing" exclusion for medical benefits. Also, back to "Home Country" is a specifically stated benefit. Home Country Coverage Option - Option for limited coverage during incidental trips back to your home country. See brochure for details. Limitations to Note - There is no medical coverage for "pre-existing conditions," such as the limited coverage found in Liaison Majestic or Atlas International. Also, Diplomat LT limits covered expenses to $1000 maximum for any illness that is first manifested, treated, or diagnosed during the first 30 days of coverage. Unless you are traveling to parts of Africa or other areas where chronic infectious diseases are more prevalent, the outstanding features of the Diplomat LT (52-week benefit period, renewable up to 3 years, Home Country option, etc.) may outweigh this limitation. Diplomat Plans - Quote & Apply (opens in a new Window) What to Expect After You Apply - Upon completing your online application, a confirmation page will appear. This page may be printed to immediately serve as your insurance ID. Within 1 or 2 business days, an insurance packet is mailed to your correspondence address. This packet will include your insurance policy, ID card, claim form, etc.. Atlas International... Short-Term International Health & Travel Insurance Administered by MultiNational Underwriters, Inc. There is no single "best" insurance plan for all situations. The Atlas plan is a good example. The Atlas "International" plan has some attractive benefits, along with some significant drawbacks. Atlas International - Quote & Apply (opens in a new window) Note: The Atlas plan brochure is also the official wording of the Policy Certificate. Atlas "International" may be purchased in daily increments from 5 days up to one year. The plan may be renewed for up to 3 years of continuous coverage. Plan Advantage - For US citizens who will NOT maintain US domestic insurance while traveling abroad, travel back to the USA for follow-up treatment of a covered injury or illness is not excluded and therefore allowed under the Atlas plan. The condition must have been first diagnosed or treated while outside of the USA (see Review Coverage at bottom of quote page). Note: upon arrival in the USA, the insurance plan terminates, but your present condition is covered for the balance of the plan Benefit Period. Plan Advantage - If you are a US-citizen under age 70, you are covered for a sudden and unexpected Acute Onset of a Pre-Existing Condition up to a maximum of $15,000 (see plan literature for details). Plan Advantage - Treatment for complications of pregnancy during the first 26 weeks of pregnancy is covered under the Atlas Series of plans. Limitations to Note - The Atlas plan is underwritten (insured) by Lloyd's, London. Lloyd's is fully "admitted" in two states and "approved" in all others (see Buy Smart, Short-Term #5). Also, the plan definition of "pre-existing condition" is more ambiguous than we normally like (see Buy Smart, Short-Term #3). However, the "Plan Advantages" noted above make the Atlas plan a strong fit for some missionary insurance needs. Atlas International - Quote & Apply (opens in a new Window) What to Expect After You Apply - The plan administrator (MNUI) does not mail an insurance policy packet, unless specifically requested. When purchasing on-line, you are asked if you want "on-line fulfillment?" Unless you click the drop-down box and select otherwise, you will not be mailed a policy certificate and ID. There is no additional charge if you select "U.S. mail." In either case, please be sure to print your on-line insurance confirmation page or your e-mail insurance confirmation. TravelGap Excursion... Short-Term International Health & Travel Insurance
For short-term missions abroad (up to 180 days), if you have "primary insurance" in the USA (e.g. group insurance, individual major medical, Medicare), then there are some good reasons to consider the TravelGap "Excursion" plan. TravelGap Excursion - Quote & Apply (opens in a new window) Plan Advantage - "Excursion" plan only; there is no exclusion for pre-existing medical conditions. You must not be traveling against doctor's orders (see plan literature for all details). Plan Advantage - medical evacuation wording specifically includes "back to home area." A Limitation to Note - no extended "Benefit Period" (Buy Smart, Short-Term #2). To qualify for the "Excursion" plan, you must be enrolled in a "primary health plan" in the USA. In such case, an extended Benefit Period would likely be of little or no importance. Important: no extended "Benefit Period" is why we do not recommend the TravelGap "Voyager," which does not require that you have "primary USA insurance" to qualify. TravelGap Excursion - Quote & Apply (opens in a new window) Quick Suggestions . . . Short-Term International Health & Travel Insurance Here are some pointers to help you find the right choice for your exact needs and situation. (Be sure to see plan literature for the exact plan wording.) 1. If you have full (or "primary") medical coverage upon return to the USA: 2. If you want the option of follow-up medical treatment covered in the USA: 3. If you want the longest "Benefit Period" available: 4. If you need coverage for a "pre-existing" medical conditions: 5. If emergency medical evacuation "back to Home Country" is important wording: 6. If you need coverage for complications of pregnancy: 7. If you want full coverage to the policy maximum for terrorism: Three General Comments... -- There is no single "best choice" for all situations. Insurance plan benefits and rates tend to look similar. The most significant differences are in the wording of plan terms and definitions, the wording by which your claims are paid . . . or not paid. Buy Smart! -- Short-Term international insurance plans are for sudden and unexpected injury or illness while traveling away from your home country on a temporary basis. While not intended as a substitute for Long-Term (or annual) Major Medical insurance, under certain conditions, Short-Term insurance is used as "primary" health coverage. -- The international health insurance plans found here are not the same type of plans you might get from a travel agent (e.g. short-term trip insurance). These international health insurance plans are typically much more comprehensive. All contain benefits for hospitals, doctors, Rx, emergency medical evacuation, repatriation, and more. (See plan literature for details. All plans subject to terms, conditions, and exclusions.) Your questions are invited: E-mail me (Whit G., President, Liberty) Top
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