International Insurance For Missionaries
Various international health insurance plans have been designed for missionaries who travel outside their home country for work. Since comprehensive health coverage benefits are not provided by most of the health insurance plans which offer domestic coverage in their home country, the missionaries need to necessarily purchase an missionary insurance plan while they travel abroad.
The insurance plans designed for the missionaries provide worldwide coverage for both US and non US citizens traveling outside their homeland. There are policies that are available for a period as little as 10 days and for up to a maximum of 2 years. For longer periods of time, there are plans that provide year long coverage.
Many of these long term international insurance policies restrict the missionaries on the duration 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.
International health insurance for missionaries offers a wide range of medical coverage benefits which includes doctor office visits, intensive medical care, local transport in the ambulance to the nearest medical set-up during emergencies, treatment of dental injuries which occur during the accident, emergency illness treatment with or without hospitalization, emergency evacuation, repatriation and reunion, accidental death benefits and return of mortal remains back to the homeland.
Long term missionary 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.
Short term coverage becomes effective once your insurance provider receives the completed application form and the initial payment and then you depart from your homeland. Otherwise, it starts on the date mentioned in the application form. Long term missionary insurance plans require a medical questionnaire to be filled out while applying and coverage begins only after the application gets approved.
The international travel medical 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 missionary health 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.
Ray Sondeo often writes about international insurance.
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