Long-Term Insurance:
for Trips Over 12 Months
Those of us called to serve the Lord as full-time missionaries in a foreign land are no doubt empowered by the Spirit to endure and thrive under extreme circumstances. Relocating yourself and a family is a big job, not to mention one filled with many uncertainties. Our hope is to make getting missionary insurance for yourself and your family a simple experience. That way, you can cross “get insurance” off your To Do list and focus on the work ahead of you.
Our experienced Client Advisors have chosen the major medical international insurance plans you’ll find here. These long-term plans have an emphasis on protecting against the risks often encountered abroad. That’s why the plans include maternity benefits alongside emergency medical evacuation benefits. They provide career and long-term missionaries with affordable major medical benefits, emergency medical evacuation and repatriation coverage as well as at-home benefits for your return trips home on furlough.
Start by reviewing the insurance benefits and brochure to decide which plan suits you best. Then get a quote and apply. After your application is reviewed and accepted, the insurance carrier will email you an ID card, or cards, and a confirmation notice.
Let’s get started. Choose insurance for your long-term trip from the options below:
Cigna Close Care Plan
Why choose the Cigna Close CareSM plan:
- •You are looking for health insurance, but do not need worldwide coverage
- •You only require coverage in your country of residence and when you return home for visits
- •The quality of your local country’s healthcare system does not meet your standards or needs
- •You want access to our network of trusted hospitals, physicians and other healthcare professionals, allowing you to visit any hospital, medical practitioner or clinic of your choice in many countries
- •You would like the flexibility to tailor a cost-effective plan to suit your individual needs
Cigna Close Care Plan Overview
Eligibility*
If you are planning on relocating to a new country and only need your health care covered in that country, as well as temporary trips home to visit family and friends – this is the plan for you.
Perhaps you are a student embarking on a new adventure away from home, or looking to enjoy your retirement in a new country, or; you are embarking on an expatriate work assignment. Rest assured, Cigna will cover you comprehensively when you need us most. What’s more, you have the added comfort of our Out of Area Emergency care benefit which covers you for any
unexpected medical needs when you are on a short trip outside your area of coverage.
Why Choose the Cigna Close Care Plan:
- You are looking for health insurance, but do not need worldwide coverage
- You only require coverage in your country of residence and when you return home for visits
- The quality of your local country’s healthcare system does not meet your standards or needs
- You want access to our network of trusted hospitals, physicians and other healthcare professionals, allowing you to visit any hospital, medical practitioner or clinic of your choice in many countries
- You would like the flexibility to tailor a cost-effective plan to suit your individual needs
- Our Customer Care Team is always available to speak with you day and night, 24/7 with multi-language capabilities
- Our Global Health Assist Service which is provided by our expert Clinical team, will offer advice, help and guidance throughout your treatment journey and time with Cigna.
List of Benefits:
- Area of Coverage
- The area of coverage is limited to your country of habitual residence and country of nationality.
- USA coverage is included if the country of habitual residence is the USA.
- USA nationals can choose to purchase USA coverage (if the policyholder does not elect to purchase USA coverage, then beneficiaries do not have coverage on visits home).
- USA area of coverage is not permitted if either of the options above do not apply.
- Your Overall Limit
- Annual benefit – maximum per beneficiary per period of cover – $500,000
- Condition limit – this is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition – $250,000
- Out of Area Emergency Cover
- $40,000 – Emergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country
of habitual residence or country of nationality. This is limited to 21 days per trip and a maximum of 45 days per policy year. Emergency outpatient treatment is included up to $2,500/€1,850/£1,650. This is only available if you have
selected the Outpatient and Wellness Care option.
- $40,000 – Emergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country
- Hospital Charges
- Paid in full for a semi-private room
- Operating room
- Prescribed medicines
- Treatment room fees for outpatient surgery
- Intensive Care
- Plus more!
Plan Underwriter*
For insurances provided by Cigna Global Insurance Company Limited, the underwriting agent is Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial
Services Authority.
*Questions about what you see here? Please review the policy Brochure for a summary of the plan for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.
GeoBlue Navigator
Worldwide medical coverage for crew members and missionaries.
GeoBlue Navigator Overview
Eligibility*
All U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens and permanent residents) are eligible if they
apply from an approved state. The Eligible Member must be scheduled to reside outside of his/her country for at least 3 months in the first year of coverage and must be involved in Missionary activity.
Highlights and Benefits*
- Specifically designed only for missionaries and volunteers
- No restriction on the amount of time spent in or out of the US (must go overseas for at least 3 months during the initial 12 months of coverage)
- Priced lower for missionary budgets
- After 364 days of coverage, you may add maternity coverage
- Deductible waived for office visits to PPO
- Pre-existing conditions covered with credible coverage
- No waiting periods for preventive services
- Full benefits for acts of terrorism
- Emergency medical evacuation and repatriation included
State and Country Restrictions*
GeoBlue Navigator is available in all states.
Plan Underwriter*
Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.
Meridian International Major Medical
Affordable, annually renewable coverage for immigrants and US citizens living overseas. Our lowest priced long term plan.
Meridian International Major Medical Overview
Eligibility*
US and non-US citizens between 14 days and 74 years old and who reside outside of the US, as well as non-US citizens who cannot purchase health insurance within the US due to residency or citizenship status are eligible under Meridian.
Special Note: 2 Plan Options*
Meridian offers 2 levels of coverage: Essential and Enhanced.
Highlights and Benefits for Meridian Essential*
- Up to $5,000,000 policy maximum
- In and out of hospital benefits
- Discounted rates for dependent children
- Emergency medical evacuation
- Emergency reunion
- Repatriation of mortal remains
- Limited pre-existing condition coverage after 24 months of continuous coverage
- Optional sports rider
- Optional dental rider
- This plan can be renewed up to age 74
Highlights and Benefits: Meridian Enhanced*
- Up to $5,000,000 policy maximum
- In and out of hospital benefits
- Discounted rates for dependent children
- Limited pre-existing condition coverage after 12 months of continuous coverage
- Maternity coverage when conception occurs after 12 months of continuous coverage
- Emergency medical evacuation
- Emergency reunion
- Repatriation of mortal remains
- Optional sports rider
- Optional dental rider
- This plan can be renewed up to age 74
State and Country Restrictions*
Meridian is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.
Plan Underwriter*
Meridian is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.
*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.
If you can’t find what you’re looking for or have questions, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon. If you’re buying insurance for a group of 5 people or more, please see our Group Missionary Insurance plans. If you’re looking for insurance for a mission trip less than 12 months long, please see our Short Term Missionary Insurance options.