Mission Trip Insurance

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Glossary

Accidental Death and Dismemberment
Accident insurance that pays the insured or beneficiary in case of bodily injury or death due to an accident, that is not natural causes. Calendar Year – – The amount of time between January 1 and December 31. The 12 month period beginning January 1 and ending at 12:00 midnight on December 31, the last day of the year.
AD&D
Accidental Death and Dismemberment – – Accident insurance that pays the insured or beneficiary in case of bodily injury or death due to an accident, that is not natural causes. Calendar Year – – The amount of time between January 1 and December 31. The 12 month period beginning January 1 and ending at 12:00 midnight on December 31, the last day of the year.
Cancel for Any Reason

Cancel for Any Reason Benefit (CFAR)

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for seventy-five percent (75%) of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:
  1. Your Payment for this Policy and enrollment form are received twenty (20) days of the date Your initial Payment or Deposit for Your Trip is received; and;
  2. You insure one hundred percent (100%) of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within twenty (20) days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
  3. You cancel Your Trip two (2) days or more before Your Scheduled Departure Date. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
  4. The cancellation reason does not fall within one of the policy exclusions.
Certificate of Creditable Coverage (CCC)
A certificate issued by an insurance company that gives written verification of the existence of insurance, dates of coverage, and thus is proof that a person has or has had valid medical insurance.
Citizenship
Country in which you are a citizen. It is not necessarily the country you were born in or currently live in.
Claims
The legal maximum allowable amount of money due an insured person from an insurance company to pay for an incurred medical expense. Usually a claim is made in the form of a written notification to the insurance company requesting payment for medical care received, care that is covered under the terms of the insurance policy. Click here to go to Claims Page.
Co-insurance
A percentage of the medical costs to be shared by the insurer and the insured after the deductible has been met. In an “80/20 to $5000” plan, the insured will pay his deductible (e.g. $500) and also 20 percent (the co-insurance) of the first $5000 of medical costs. Then the insurance company will cover everything. Note that Co-insurance is not the same as Co-pay.
Co-pay / Co-payment
A certain amount of money, usually a fixed preset dollar fee, paid by a person who has insurance at the time medical care is received. This fee is in addition to any deductible and co-insurance limits.
Coverage Area
The location(s) that you would like to receive coverage. (Same as Destination)
Covered Expenses
Medical expenses that the insurance company will cover based on the insurance policy purchased, thus expenses that qualify for reimbursement. A summary of “covered expenses” is listed in the Schedule of Benefits.
Deductible
The amount of medical costs to be covered by the insured before the company begins to cover costs.
Dependent
Usually a spouse and/or children who are legally dependent on the insured. Depending on the insurance plan, dependents may qualify for insurance coverage on the insured’s policy.
Effective Date
The date when the insurance coverage begins, becomes effective. The day when coverage for medical care begins.
Eligible Medical Expenses
A medical expense that an insurance company will cover. For example, many insurance policies will not cover plastic surgery, so it would not be an eligible medical expense.
End Date
The end date is the day you return home. Coverage ends at 12:01 AM at the completion of the final date chosen. For example, if your end date is 4/12 then your coverage ends at 12:01 AM EST on 4/13.
Enter $500 FOR TRIP COST (minimum) Here’s why!
This is a trip cancellation insurance policy made up of two components. The first component is for trip cancellation. If you are NOT interested in insuring your trip cost, but only want the second component of “post departure” benefits (listed above), you can enter $500 for the trip cost (it is the same price as if you listed $0.00). By doing this you have $500 you can claim if you have to cancel your trip due to an eligible reason. The second component is for trip interruption. By using $500 trip cost, you create a $750 trip interruption benefit. This is currently being used when you happened to be quarantined and detained. Your return ticket should still have its value, but if you incur additional travel expenses, you can file a claim using the $750 trip interruption benefit.
First Payment Date
Enter the date you made the first payment or deposit for any part of this trip. If you have not paid (or used reward points), please use the issue date on your tickets. If you have not yet made arrangements, please use today’s date. (same as Initial Deposit)
Fulfillment Kit
Materials sent to the client after they have been approved for insurance coverage. The kit usually contains the Medical ID card, a Certificate of Coverage, a detailed explanation of the insurance plan, information concerning filing claims, and contact information for the insurance company.
HIPAA
The Health Insurance Portability and Accountability Act. This is also known as the Kassebaum-Kennedy Act enacted by the US Congress in 1996. It includes basic requirements for health insurance privacy and portability of health insurance, thus avoiding exclusion of coverage for pre-existing medical conditions.
In-Network, Out-of-Network
Medical facilities and practitioners that have contracted with the insurance companies to provide discounted rates. Those facilities that have not contracted are considered “Out-of-Network.” The insured will save money by using “In-Network” providers and facilities.
In-patient
A patient admitted for at least a 24-hour residence (or at least overnight) in a medical facility where he is being treated.
Initial Deposit
Enter the date you made the first payment or deposit for any part of this trip. If you have not paid (or used reward points), please use the issue date on your tickets. If you have not yet made arrangements, please use today’s date.
Insurance Broker
An individual who works as an intermediary between a person wanting insurance and one or more insurance companies to guide them in the purchase of insurance.
Interruption for Any Reason

Interruption for Any Reason Benefit

If You interrupt Your Trip, forty-eight (48) hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to: seventy-five percent (75%) of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.
Lifetime Maximum
The maximum amount an insurance company will provide for all medical care received. The usual limits are $1,000,000; $3,000,000 or $5,000,000.
Maximum Limit, Maximum Coverage
The maximum amount an insurance company will provide for all medical care received. The usual limits are $1,000,000; $3,000,000 or $5,000,000. (Same as Lifetime Maximum)
Medical Evacuation (MedEvac, medivac)
Timely and efficient evacuation and in-route care of critically ill or injured persons, usually by air transportation, to a place where they can receive adequate medical care.
Online Fulfillment
Electronic communication of Medical ID card, certificate or indication of coverage, information on the policy purchased, how to file a claim, and the insurance company’s contact information.
Out-of-pocket
Direct outlays of cash that will not be reimbursed by the insurance company. This will include deductibles and co-insurance limits.
Out-patient
A patient who receives medical treatment at a clinic or hospital, but is not admitted for an overnight stay.
Policy Year
The amount of time from the effective date of the policy that comprises one full year. For example, if the effective date begins January 14, 2021, the coverage will end at midnight, January 13, 2022.
Pre-certification
The need to check with the insurance company before receiving medical care, generally for major medical procedures, to confirm if the medical care received will be covered by the insurance company.
Pre-existing Condition
Any medical condition that the insured has prior to contracting for insurance coverage.
Premium
Payment for insurance, the amount paid by the insured to the insurance company for health insurance coverage.
Preventive Care (Wellness Benefit, Well-care)
Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations.
Residence
Please select your country of residence. If you have multiple residences, please enter the country where you will be residing at the beginning and end of your trip.
Rider (Waiver)
A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions.
Schedule of Benefits
A list of the benefits, amount of coverage provided in a health insurance policy, usually one or two pages in length.
Start Date
The start date is the day you leave home. Coverage can start as early as the next calendar day following purchase. Coverage begins at 12:01 AM on the day that you select.
Test positive for Covid-19
If you FAIL a Covid PCR test and have to quarantine in a foreign country… • If you should test positive for Covid (treated as any other illness) on your return trip to the USA and have to quarantine due to Dr.'s orders... If you cannot continue Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to two hundred fifty dollars ($250) per day, limited to ten (10) days. • If you have to quarantine at your destination and have missed your return flight but are incurring additional charges to get home, the trip interruption benefit (up to 150% of the insured trip cost) could provide coverage for those additional expenses. There also is a $150 ticket change benefit that might help.
Trip Cancellation
Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death or other specific unforeseen circumstances. The “trip cancellation” benefit covers you in the event you have to cancel prior to your trip due to a covered reason listed in your travel insurance policy prior to your departure date.
Trip Cost
Insure all prepaid, non-refundable expenses travelers will have by the time they step out the door to start this trip. Include prepaid airline tickets, cruise expenses, accommodations, and trip extras (such as tours, excursions, event tickets, etc.).
Trip Interruption
Trip interruption plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crises (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crises) occurs during your trip causing it to be cancelled, interrupted or delayed.
Underwriter
(1) The company that receives the insurance premium and accepts the responsibility to cover medical costs; (2) The employee in an insurance company who decides whether or not the insurance company should assume the risk of offering the insurance to an individual or group; (3) An insurance agent.
Usual, Reasonable & Customary (UCR)
The amount an insurance company will pay for a covered medical expense based on the customary charges of all medical providers in a given geographic area for a similar service.
Waiting Period
A period of time the insured must wait before some or all of the coverages offered in an insurance plan begin and the insured can receive benefits.
Waiver (Rider)
A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions.
Wellness Benefit (Preventive Care, Well-care)
Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations.  

Our Partner Network

John-Smithwick
Global Expeditions
ForwardEdge
LCMS
Breathe Partners
Manna-Worldwide
American Baptist International Ministries
international student inc.

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