International missionary health insurance plans are designed specifically for the missionaries who travel abroad for work purposes. Domestic health insurance plans do not offer comprehensive medical coverage outside the homeland and hence, the missionaries need to purchase and international health insurance plan during the overseas travel.
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 the long term international missionary 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.
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 might cover pre-existing conditions, wellness and maternity after a waiting period. Missionaries can avail optional coverage for adventure or leisure sports also.
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 validity of the international insurance policy ends on the date requested in the application form or the expiry date of the policy or upon the return of the insured back to the home country, whichever occurs earlier.
Short term missionary health insurance plans can be renewed on a daily increment basis or a monthly basis and the request can be submitted as an application form or completed online. However, if the renewal period is less than one month, you have to submit the request online only and you would be charged a nominal processing fee. Annual plans can be renewed for as long as the insured continues to remain eligible for the plan.
