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International Health Insurance > Missionary Medical
Missionary Medical Insurance Coverage Choices
Having choices is always better than no choices, and that is true with medical insurance for Missionaries. These plans offer annually renewable International Missionary Medical coverage for individuals and families, and also include the important Furlough feature that is so important to long-term misssionaries. These policies are designed like US styled PPO plans that give you benefits with any doctor and any hospital in the coverage area. Coverage is available for US citizens overseas and non-US citizens anywhere, including the US or their Country of Citizenship . Once you are accepted, these International Health Insurance plans can move with you from country to country... They are annually renewable and are also medically underwritten, meaning that you must complete a full health questionnaire and have that application be accepted by the company. In most cases, these plans allow for complete worldwide coverage. If you are looking for short-term missionary coverage, you might want to look at the Travel Health Insurance section of the site. The travel health insurance plans offer all that you will need.
HTH Worldwide Global Navigator has three tiers of coinsurance: 100% outside the U.S. , 80% in network in the U.S. , 60% out of network inside the U.S. All Global Navigator plans have a $5,000,000 lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. In addition to health protection, you'll receive access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries. [More information]
IMG (International Medical Group) — Global Mission Medical Insurance is long-term, annually-renewable, major medical insurance that provides worldwide coverage to missionaries and their families of all nationalities. This is an ideal plan for those who need a full range of medical benefits. This plan offers maternity benefits as an option (additional premiums required) [More information]
IMG (International Medical Group) — Global Mission Basic is designed to provide coverage similar to Global Mission Medical Medical Insurance, however, it features specific dollar limits on most benefits. This is the perfect plan for missionaries who want coverage for a variety of medical services, but are seeking to reduce their premium costs. [More information]
Comprehensive Benefit Plans
This type of plan design is much better coverage than a Scheduled Benefit plan. With this type of plan your "out of pocket maximum" is much more certain. This also tends to be more expensive than a Scheduled Benefit design.
Scheduled Benefit Plans
This type of plan is designed to be lower priced than the Comprehensive plans. Outside of the US, the benefit levels are adequate. The most important benefit difference in this design is that the "$600 maximum per day for Hospital Room; $1,500 maximum per day for Intensive Care" can lead to a hospital billing you above your deductible for charges over the maximum benefit.