Global Health Plans for Missionaries
Mission Trip Insurance has sorted through the hundreds of different plans to bring you the best to choose from. Below is the plan we highly recommend for individuals looking for an annually renewable plan. If the plan below does not meet all of your insurance needs, please call us at 1-800-576-2674. We will find the plan that best suites your needs.
Option 1: Global Mission Medical Plan
- From International Medical Group (IMG) an "A" rated company
- $5 million lifetime medical benefit
- Global Coverage
- Choice of doctor or hospital worldwide (including US)
- Maternity (if you want maternity coverage call Craig at 1-800-576-2674 for available options)
- Furlough Coverage
- Emergency evacuation, emergency reunion, & repatriation
- Wellness Benefit
- 24 Hour Emergency Assistance Hotline
Global Mission Medical Benefits
Global Mission Medical Insurance covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per period of coverage (12 months) with a maximum of three deductibles per family. For eligible expenses incurred in the U.S. and Canada (if applicable): once the deductible is met, Global Mission Medical Insurance pays 80% of the next $5000 in eligible expenses then 100% of eligible expenses up to the Policy Maximum. For eligible expenses incurred outside the U.S. and Canada: once the deductible is met, Global Mission Medical Insurance will pay 100% of eligible expenses up to the Policy Maximum.
| Benefit Description | Silver | Gold (1st 36 months of continuous coverage) |
Gold (Beginning the 1st day of the 37th month) |
Gold Plus | Platinum |
|---|---|---|---|---|---|
| Lifetime Maximum Limit | $5,000,000 lifetime per individual |
$5,000,000 lifetime per individual |
$5,000,000 lifetime per individual |
$5,000,000 lifetime per individual |
$8,000,000 lifetime per individual |
| Deductible (Per Period of Coverage) |
$250 to $10,000 50% waived within PPO network |
$250 to $10,000 50% waived within PPO network |
$250 to $10,000 50% waived within PPO network |
$250 to $10,000 50% waived within PPO network |
$100 to $10,000 50% waived within PPO network |
| Family Deductible | Three times the individual deductible | Three times the individual deductible | Three times the individual deductible | Three times the individual deductible | Two times the individual deductible |
| Coinsurance within the PPO network | No coinsurance | No coinsurance | No coinsurance | No coinsurance | No coinsurance |
| Coinsurance outside the U.S. and Canada | No coinsurance | No coinsurance | No coinsurance | No coinsurance | No coinsurance |
| Coinsurance inside the U.S. and Canada | 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage | 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage | 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage | 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage | 90% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage |
| Hospitalization / Room & Board | $600 per day - 240 day maximum | Average semi-private room rate | Up to a limit of $2,250 per day | Average semi-private room rate | Private room rate |
| Intensive Care Unit | $1,500 per day - 180 day per event | URC | Up to a limit of $4,500 per day | URC | URC |
| Surgery | URC | URC | URC | URC | URC |
| Anesthetist's Charges Associated with Surgery | 20% of surgery benefit | URC | 20% of surgery benefit | URC | URC |
| Transplants | $250,000 per transplant |
$1,000,000 lifetime maximum |
$500,000 lifetime maximum |
$1,000,000 lifetime maximum |
$2,000,000 lifetime maximum |
| Out-patient | 25 visits: $70 doctor/specialist; $60 psychiatrist; $50 chiropractor; $250 X-ray per exam maximum limit; $500 surgery intervention consultation; $300 lab tests per exam maximum limit | URC | Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 copay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period; Physiotherapy - up to $75 per visit, $1,000 max per certificate period $10,000 lifetime maximum | URC | URC |
| Emergency Room Illness (Additional $250 deductible if not admitted) |
URC | URC | URC | URC | URC |
| Emergency Room Accident | URC | URC | URC | URC | URC |
| Supplemental Accident | NA | $300 per occurrence |
$300 per occurrence |
$300 per occurrence |
$500 per occurrence |
| Local Ambulance | $1,500 per covered event - not subject to deductible or coinsurance |
URC | $100 per event - not subject to deductible or coinsurance | URC | URC |
| Mental/Nervous | Outpatient only after 12 months | $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage | $2,500 maximum per certificate period; In-patient limited to 25 days per certificate period; Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000 | $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage | SAAI - $50,000 lifetime maximum - Available after 12 months of continuous coverage |
| Child Wellness | 3 visits per period of coverage - $70 maximum per period - Available after 12 months of continuous coverage | $200 maximum per period of coverage - Available after 12 months of continuous coverage | $200 maximum per period of coverage - Available after 12 months of continuous coverage | $200 maximum per period of coverage - Available after 12 months of continuous coverage | $400 maximum per period of coverage - Available after 6 months of continuous coverage |
| Adult Wellness | NA | $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage | $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage | $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage | $500 per period of coverage - not subject to deductible or coinsurance - Available for those 18 years of age and over after 6 months of continuous coverage |
| Emergency Evacuation | $50,000 per period of coverage - not subject to deductible or coinsurance |
Up to maximum limit - not subject to deductible or coinsurance | $250,000 limit per person per certificate period | Up to maximum limit - not subject to deductible or coinsurance | Up to maximum limit - not subject to deductible or coinsurance |
| Emergency Reunion | NA | $10,000 lifetime maximum | $10,000 lifetime maximum | $10,000 lifetime maximum | $10,000 lifetime maximum |
| Return of Mortal Remains | $25,000 lifetime maximum per insured - not subject to deductible or coinsurance |
$25,000 lifetime maximum per insured - not subject to deductible or coinsurance |
$15,000 lifetime maximum per insured - not subject to deductible or coinsurance |
$25,000 lifetime maximum per insured - not subject to deductible or coinsurance |
$50,000 lifetime maximum per insured -not subject to deductible or coinsurance |
| Remote Transportation | NA | NA | NA | NA | Limited to $5,000 per certificate period up to a $20,000 lifetime maximum |
| Political Evacuation and Repatriation | NA | NA | NA | NA | Limited to $10,000 lifetime maximum |
| Rx Coverage | URC | URC | $5,000 per certificate period for each insured person, out-patient only | URC | Outside U.S. - URC Inside U.S. - Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available |
| Other Services | Extended care: first 30 days; Radiation: URC; Home nursing: 30 days per covered event; Hospice: 30 days; Prosthetic Devices: all URC | URC | URC - Radiation & Chemotherapy treatments (in and out-patient) limited to $10,000 per year; $50,000 lifetime maximum | URC | URC |
| Physical Therapy | Maximum $40 per visit - 30 visit maximum | Maximum $50 per visit | Maximum $50 per visit | Maximum $50 per visit | Maximum $50 per visit |
| Complementary Medicine | NA | Acupuncture $150 Aroma Therapy $50 Herbal Therapy $50 Magnetic Therapy $75 Massage Therapy $150 Vitamin Therapy $100 Each per period of coverage |
Acupuncture $150 Aroma Therapy $50 Herbal Therapy $50 Magnetic Therapy $75 Massage Therapy $150 Vitamin Therapy $100 Each per period of coverage |
Acupuncture $150 Aroma Therapy $50 Herbal Therapy $50 Magnetic Therapy $75 Massage Therapy $150 Vitamin Therapy $100 Each per period of coverage |
Acupuncture $150 Aroma Therapy $50 Herbal Therapy $50 Magnetic Therapy $75 Massage Therapy $150 Vitamin Therapy $100 Each per period of coverage |
| Recreational SCUBA | NA | URC | URC | URC | URC |
| Non-emergency Dental | NA | NA | NA | NA | Calendar year maximum - $750 Individual deductible - $50 Schedule of benefits - Class I: 90% Class II: 70% Class III: 50% Ortho 0% (6 month waiting period) |
| Emergency Dental due to Accident | $1,000 per period of coverage | URC | $500 per period | URC | URC |
| Emergency Dental due to Sudden Unexpected Pain | NA | $100 per period of coverage | $100 per period of coverage | $100 per period of coverage | See non-emergency dental benefits |
| High School Sports Injury | NA | NA | NA | NA | Up to $20,000 per certificate period |
| Vision | NA | NA | NA | NA | Exams - up to $100 Materials - up to $150 per 24 months |
| Global Concierge & Assistance Services | NA | NA | NA | NA | Included |
| Pre-existing Conditions | $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage | $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage | $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage | $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage | SAAI |
| Maternity Delivery, wellness, new born care & congenital disorders (not subject to deductible or coinsurance - available after 10 months of coverage |
Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) | Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) | Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) | Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) | SAAI - $1,000 additional deductible, $50,000 lifetime maximum, $200 child wellness benefit for the first 12 months, new born care & congenital illness maximum of $250,000 for the first 31 days |
| NA (Not Applicable) / URC (Usual, Reasonable and Customary) / SAAI (Same As Any Illness) | |||||
This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.
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