Life Insurance For Word Of Life Missionaries Explained

what is basic insurance for word of life missionary

Word of Life missionaries work in over 80 countries around the world, providing medical missions to meet both physical and spiritual needs. Travel insurance is essential for missionaries, and there are many companies that offer missionary insurance plans. These plans can include international health, life, and travel insurance, as well as coverage for medical evacuation, repatriation, trip cancellation, baggage, and more. It is important for missionaries to have the correct insurance in case of unexpected weather, accidents, injuries, or trip cancellations.

Characteristics	Values
Length of Coverage	Short-term and long-term plans are available
Coverage	Medical evacuation, repatriation, maternity complications, pre-existing conditions, furlough coverage, etc.
Group Coverage	Group rates are available for groups of 5 or more
Group Payment	One form of payment for the entire group
Individual Payment	Each individual pays for their own policy

Missionary travel insurance

There are a variety of companies that offer missionary travel insurance plans, including:

All Aboard Benefits
ASA Inc.
Banner
Benefitsphere
Betins International
Brotherhood Mutual Insurance Company
Christians Abroad
EGlobal Health Insurers Agency, LLC
Expat Financial
Get Mission Trip Insurance
GoMissionTrip.Com
Good Neighbor Insurance
HCC Medical Insurance Services
Insubuy
Insurance Services of America
International Health Insurance
International Medical Group
Membercare Insurance
Mission Trip Insurance
Missionary Insurance Group, Inc.
Missions Medical Insurance
Risk Life Insurance
Salt Insurance
Serving Abroad
Southern Mutual Church Insurance Company
Talent Trust Consultants
Visitors Insurance
World Travelers Insurance

When choosing a missionary travel insurance plan, it is important to consider the specific needs of your trip, including the size of your group, the length of your trip, and the risk factors of your destination. Health insurance or medical insurance should be a top priority, but some mission groups may also want to consider life insurance.

Additionally, there are different types of travel insurance plans available, such as single-trip and annual coverage plans. Travel insurance for missionary groups can vary in comprehensiveness, but it is important to ensure that, at a minimum, it includes medical expenses, evacuation coverage, trip cancellation or interruption coverage, baggage coverage, and repatriation coverage.

By investing in missionary travel insurance, you can ensure that you and your group have the protection and support you need to carry out your important work safely and effectively.

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Medical and emergency benefits

Medical Treatment

This covers the cost of medical treatment at a local medical centre and provides the necessary information to access this treatment. This is particularly important for missionaries, as their home health coverage will likely not apply abroad.

Evacuation Coverage

This benefit provides funds and organises evacuations in the case of medical necessity. This is crucial for missionaries in remote areas, who may need to be evacuated due to unforeseen circumstances or medical emergencies.

Trip Cancellation or Interruption

Trip cancellation or interruption coverage is designed to protect missionaries in the case that their trip is cancelled or interrupted due to covered reasons. This coverage includes reimbursement for non-refundable trip expenses and funding to return home or resume service work.

Baggage

Baggage coverage provides reimbursement for lost or destroyed luggage, which can be crucial for missionaries who may have essential items and equipment in their possession. This coverage also provides funds to purchase necessities until bags can be found or replaced.

Repatriation Coverage

Repatriation coverage assists in the event of a group member's death by providing funds and organisational support for the return of their remains. This coverage spares grieving family members from having to navigate government and transportation systems during an already difficult time.

Maternity Care and Family Coverage

Many missionary insurance plans also provide coverage for maternity care and family members. This can be especially important for long-term missionaries who may be serving abroad for extended periods.

Group Discounts

Missionary insurance often offers discounted rates for groups, with the discount based on the total number of individuals insured. Group policies also offer the convenience of a single form of payment, whereas individual policyholders must pay for their own policies.

Customisable Plans

Insurance providers often offer customisable plans to meet the unique needs of missionary groups. These plans can be tailored based on the length of the trip, the size of the group, and the specific risks associated with the destination.

Annual Coverage

For missionary groups planning multiple trips or long-term stays, annual coverage plans are available. These plans provide continuous coverage for various groups throughout the year, even if different members are travelling at different times.

Life Insurance

Some missionary insurance plans also offer life insurance options to protect the families of group members in the event of their death while on a mission trip.

Informational Support

In addition to financial coverage, missionary insurance providers often offer informational support and resources to help missionaries make informed decisions about their coverage and stay safe during their trips.

Overall, medical and emergency benefits are designed to provide comprehensive protection for missionaries travelling abroad, ensuring their physical and financial well-being so they can focus on their important work.

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Group insurance

There are several types of group insurance that may be needed, depending on the size of the group, the length of the trip, and the risk factors of the destination. Travel insurance is another crucial type of insurance for missionary groups. This can be comprehensive or cover basic medical expenses. However, given the unique considerations of mission trips, it is important to ensure your group's travel insurance policy includes the following:

Medical Expenses: This covers you and provides you with the information you need to get medical treatment at a local medical centre.
Evacuation Coverage: Organises and provides funds in cases of medically necessary evacuations.
Trip Cancellation or Trip Interruption: Covers non-refundable trip expenses if the trip is cancelled for a covered reason. It also provides the money to book a plane ticket back home and return to the service work after the risk or event has passed.
Baggage: Provides reimbursement for stolen or destroyed luggage, plus funds to buy necessities until bags can be found or replaced.
Repatriation Coverage: Provides funds and organisational help if a member of the group passes away while on a missionary trip. This coverage ensures that family members do not have to navigate government and transportation systems to bring their loved one home.

If your missionary group is planning multiple trips in a year, or a single trip lasting more than a year, it is recommended to look into long-term group health insurance. This type of insurance can also be beneficial if your group members are from different countries, as it allows you to consolidate their coverage under one plan.

In addition to health and travel insurance, some missionary groups may also require life insurance, especially if they are travelling to high-risk areas. Life insurance can provide peace of mind for group members and their families, knowing that their loved ones will be protected in the event of their death while on a mission trip.

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Insurance for international missions

When preparing for international missionary work, it is important to ensure that you have adequate insurance coverage. Here is some information on insurance for international missions:

Types of Insurance Plans:

There are two main types of insurance plans to consider for international missions: travel insurance and health insurance.

Travel Insurance: This type of insurance is essential for short-term mission trips, typically covering emergencies such as medical evacuation, repatriation, and trip cancellation. It is designed for individuals or groups travelling for less than a year and can include benefits like maternity complications and access to telehealth services.
Health Insurance: Health insurance is more comprehensive and is ideal for long-term missionaries or those serving for a year or more. It covers medical emergencies and may also include benefits like maternity care, pre-existing conditions, and furlough coverage. Health insurance can be tailored to individuals or groups and often includes access to US medical facilities.

Choosing the Right Insurance Provider:

When selecting an insurance provider for your international mission, consider the following:

Specialization: Choose a company that specializes in missionary insurance and understands the unique needs of missionaries and their families. Some providers cater specifically to Christian organizations and missionaries.
Coverage: Ensure that the insurance plan covers your destination country and the specific activities you plan to undertake. Check for coverage limitations and requirements, especially if you will be travelling to remote areas or regions with limited access to quality medical care.
Cost: Compare prices between providers, considering the duration of your trip and the benefits included. Some companies offer discounted group rates, while others charge a flat rate per person.

Recommended Insurance Providers:

Insurance Services of America: A Christian organization providing affordable short-term and long-term missionary insurance, with experience serving Christians around the globe. They offer group major medical plans and have missionary experience themselves.
Mission Trip Insurance: A Christian, family-owned business that has insured over 100,000 short- and long-term missionaries. They understand the specific needs of those serving globally and offer comprehensive coverage for as little as $33 per person.
International Medical Group (IMG): Offers several international medical plans tailored to meet the needs of organizations, churches, and missionaries. Their plans include missionary-specific benefits like coverage for furlough and political evacuations, and they have a reputation for excellence and dependability.
Banner: Provides market-leading insurance policies for individuals and groups engaged in missionary work, poverty relief, and infrastructure development, among other activities.
All Aboard Benefits: Offers international group travel insurance perfect for missionary or church groups.
Good Neighbor Insurance: A travel insurance and international health insurance brokerage helping protect and insure non-profit organizations, mission agencies, NGOs, and international students with affordable options and comprehensive coverage.

Remember to carefully review the terms, benefits, exclusions, and limitations of any insurance plan before purchasing. Different providers will have varying levels of coverage, so it is important to select the one that best suits your specific needs.

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Insurance for individuals

Insurance for missionaries and individuals associated with missionary work is a specialised area. It is important to understand the unique challenges and risks that missionaries face, and to provide insurance that covers these eventualities.

Missionary insurance is designed to cover individuals who are travelling abroad for missionary or volunteer work for six months or more. This type of insurance provides medical care and emergency coverage, including evacuation and repatriation. Many plans also offer coverage for family members and maternity care. For shorter trips, an international travel insurance plan may be more cost-effective.

There are several types of insurance that missionary groups should consider. Health or medical insurance is a top priority, and some groups may also require life insurance. If a group is planning multiple trips in a year, or a single trip lasting over a year, a long-term group health insurance plan is recommended. This type of plan can also be beneficial for consolidating coverage for group members from different countries.

Travel insurance for missionary groups can vary in comprehensiveness, but it should include coverage for medical expenses, evacuation, trip cancellation or interruption, baggage, and repatriation.

Some companies that offer missionary insurance include: