INSURANCE SERVICES
FOR MISSIONARIES -- Adams & Associates
International (A&AI) aai@aaintl.com is an insurance firm providing
all types of insurance (not just medical) exclusively to missionaries
and mission sending organizations, since 1980. Adams & Associates
International's products and services are designed specifically
for the needs of the missionary. According to the folks at A&AI,
clients range from the smallest of churches that support one missionary
to the largest sending organizations that send thousands of missionaries
and their families abroad each year. A&AI clients also include
over 50,000 short-term volunteers each year who use a product
designed by Adams in 1982 and has undergone continuing improvement
since. Check out their website, where you'll find applications,
claim forms and opportunity to give feedback. Fax in the USA at
(803) 252-1988 or telephone call toll-free from within the USA
800-922-8438. From Brigada
*************
BIBLE BASED BENEVOLENCE THROUGH
MEDICAL COST SHARING:
dale@bhsys.com 127 Hazelwood Ave., Barberton, OH 44203-1300
****************
Global Medical Insurance
******************
IC INSURANCE FOR MISSIONARIES
ici@algonet.se
***********************
INTERNATIONAL INSURANCE
We provide affordable health care coverage for all YWAMers and
other people in mission work. Cover applies all over the world,
except for nationals of the USA, Canada and Germany residing in
their own countries. Both long- and short-term cover available.
We do not require prior health examinations. Travel insurance,
Disability- and Life insurance also available. Contact IC Insurance,
Box 71, 695 22 Laxa, Sweden.
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INSURANCE PROVIDERS FOR MISSIONARIES -- If you're needing a great
medical insurance policy, at least give these sources a chance.
They've listed with Brigada via Sara and are ready to serve! Thanks
to Sara and Brad for their help compiling this list! To retrieve
their results, send a message to hub@xc.org that reads, "get brigada
insurance-providers" (without the quote marks). The 3-pages of
text (7K) will be sent your way! From Brigada (or check the AUTORESPONDERS
section on their web site at:www.brigada.org
********************
LOOKING FOR SOMEONE TO INSURE YOUR MISSIONARY OVERSEAS? -- Try
Jeff Gulleson AT: goodnbor@juno.com. He can handle your overseas
worker even if he or she can't come home for a physical! He advertises
low rates... Available for both short- and long-term trips! From
Brigada
More on that from Current Trends: INTERNATIONAL INSURANCE FOR
AMERICANS THAT COVERS FURLOUGHS TOO! Jeff Gulleson writes: "If
you are an American you may find it hard to get insurance coverage
that will work on both sides of the Atlantic, Pacific or equator.
We spent much time tesearching this matter in the last few months.
Here are some options: **** INTERNATIONAL MEDICAL GROUP (IMG)
– A person getting IMG's 'Global Medical Policy' while in the
USA must leave within 30 days of signature. They must have intent
to reside outside the USA for at least 6 consecutive months. For
example, if they buy a one year policy on January 1, 1998 they
would have to leave the USA by February 1, 1998. If they renewed
their policy while outside the USA, say on January 1, 1999, they
could come back to the USA and still be covered up to the second
anniversary date of the policy (Jan 1, 2000) on condition that
they had "intent to reside abroad" before the second anniversary
date of the policy (Jan. 1, 2000). **** SPECIALTY RISK INTERNATIONAL,
INC - On their 'Signature Global Medical Plan' they will cover
a person for six months before he/she leaves the USA. The individual
must be out of the USA for six months and then can return and
be covered for another six months in the USA. In other words he/she
must spend six months of every insurance year outside the USA.
In 1998 SRI plans to provide a special missionary policy that
will cover an American missionary outside the USA and give him
one year of furlough coverage in the USA. The premium will probably
be marked-up 25% to 30% for the time the missionary is on furlough.
This new plan may be called the 'Missionary Signature Plan.' ****
LIAISON PLUS - Coverage under this program is valid in the Home
Country or Country of Residence of the Insured Person for up to
60 days per 12 months of coverage, or pro rata thereof. The insured
must be abroad for at least 1 month before Home Country coverage
is available. **** DIPLOMAT - One month's coverage for every 6
months outside the USA for an extra 10% surcharge. **** GATEWAY
- Home Country Coverage is valid during visits to the insured
person's home country or country of residence for up to 60 days
per 12 months of coverage, or pro rata thereof, for injury or
sickness which occurs during such visit." (International Insurance
Insights, November 28, 1997) From Brigada
*************************
From Current Trends: INTERNATIONAL INSURANCE THAT COVERS 12 MONTH
FURLOUGHS! "A major problem is to find an insurance policy for
Americans that covers them on both sides of the Atlantic or Pacific.
Some policies will cover you for a month or up to six months in
the USA but many people plan for 12 month furloughs. Now 'Specialty
Risk International' has developed a policy that will cover a person
for 12 full months while on furlough in the USA on condition that
he/she has spent a full 12 months outside the USA. This is the
only individual insurance policy I know of that is designed specifically
for individuals who want to be covered during a 12 month furlough
in the USA. Besides providing the usual outpatient and inpatient
coverage the policy also covers maternity, mental and nervous
health, physiotherapy, chiropractic, well-child care (limited
to three visits per policy period), emergency medical evacuation,
repatriation, emergency reunion etc. The premiums can be paid
monthly, quarterly, semi-annually or annually with check, money
order, Visa or Mastercard. The biggest savings are available if
paid annually. Please contact Good Neighbor Insurance if you would
like more information." (International Insurance Insights, March
1998)
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BROCHURES ON SHORT-TERM INSURANCE FOR TEAMS AVAILABLE:
"Are you organizing a short-term team ministry overseas? If you
would like hard-copy brochures on insurance for every team member,
let us know how many you need and we will provide them for you.
Also you are completely free to photo-copy any brochures you receive
from Good Neighbor. ... TO SUBSCRIBE TO _INTERNATIONAL INSURANCE
INSIGHTS_ -- Simply write us at GoodNbor@juno.com." (International
Insurance Insights, March 1998)
**********************
OCCASIONAL "INTERNATIONAL INSURANCE INSIGHTS" -- Want to receive
an occasional mailing on international insurance issues? Just
email GoodNbor@juno.com to be placed on the list! From Brigada?
************************
From Sara Cronb. :/Brigada
Medical Insurance for Missionaries
Research Results
Thank you Brigada for posting my original request for information!
This took a lot longer than I had imagined. Thanks everyone else
who've been waiting on results.
I've been able to get information on 9 companies which offer medical
insurance coverage options for people who serve as missionaries
or who are self-employed, living overseas (away from country of
origin). You must assess your own needs and confer with the specific
company to determine coverage & eligibility. DO CHECK CLOSELY
for coverage needs for where & to
whom you're ministering. Ask for COMPLETE DETAILS on coverage
& EXCLUSIONS. Many companies exclude coverage to treat difficult
diseases: TB, HIV. Many exclude coverage for treatment needs as
result of war/hostilities.
Premiums are for insurance to cover catastrophic contingencies.
These are not health plans. They do not normally cover medical
services often covered by USA-style Health Maintenance Organizations
or health plans/benefits of private sector companies.
Many policies require that you do not reside for more than 30-90
days in your country of origin (the country which issued you your
passport). Most companies package their plans, there is little
room to customize based on individual needs.
List of Insurance Companies meeting needs of Christian Missionaries
Anual per person premiums ranged from $150 to $2500. Services
& deductibles vary too greatly to offer company by company comparison.
1. Adams & Associates International,
South Carolina, USA, (specific Christian focus)
aai@aaintl.com or www.aaintl.com
Personal comments: Excellent customer service. Rapid Response
by email, fax and telephone & post. Excellent grasp of personal
needs and flexibility to meet those needs.
2. Global Mission Medical and Term Life Insurance, offered through
Adams & Associates, Intl aai@aaintl.com
(Specific Christian Focus)
Some highlights, beyond in-patient, out-patient coverage:
* World-wide coverage
* Emergency Evacuation
* Wellness benefits (Mammograms, Pap Smears,
* Mental & nervous disorders (after 12 months continuous coverage)
* Prescription Medication
* Life Ins. options
3. Talent Trust Consultants, Malaysia, TTc_mail@msn.com
Specific Christian focus.
Personal Comments: Wonderful customer service by email. Excellent
features
for most missionary needs. Well balanced, not excessive.
* World-wide
* Dental Treatment
* Mortal Remains
* Emergency Evacuation through a support service company
* Compassionate Emergency Travel
* Parent Accomodation coverage to accompany insured child under
9
* Options for travel coverage and life insurance
* Maternity, Childbirth, Automatic 90-day coverage of newborns
4. The Banner Group (specific Christian focus) email contact:
Tom Webb, c/o
Banner Group: TW@bannergroup.dial.iql.co.uk
Serves 2000 missionaries from 55 organizations in 100 countries.
Serves any nationality working for a UK-based ministry belonging
to the UK
Evangelical Alliance
114 stlg per year per person (about USD $202 per year)
* Max coverage beats all USA-based companies for price and services
* Multi-trip travel insurance options
Banner House, Church Road, Copthorne
West Sussex, RH10 3RA UK
Tel: +44. 1342. 717. 917
Fax: +44. 1342. 712. 534
5. Blue Cross, handled through East Asia Aetna Insurance Group
(serves
small groups, but not focusing specifically on Christian groups).
Hong Kong: 10/F East Asia Aetna Tower
308 Des Voex Road Central, HK
Tel: 2850. 3030
Fax: 2850. 3099
>From Peter Giles, pgiles@loxinfo.co.th
* USD $150 annual per person for inpatient coverage. Additional
features
available for increased rates.
6. Insurers Administrative Corporation (no specific Christian
focus)
PO BOX 39119
Phoenix, AZ 85069-9119
888-794-8975
Major medical coverage for individuals living within USA
USD $2500 per year per person
from: Craig Hofer, craig@cenfl.com
7. Christian Brotherhood Newsletter
127 Hazelwood Avenue
Barberton, Ohio 44203-1300
Tel: +1. 330. 848. 1511
Fax: + 1. 330. 848. 4322
"non-insurance assurance that Christians, 80,000 of us, will come
to the aid
of their brothers and sisters in medical financial need. Good
in the USA
and around the world."
from: Neal Pirolo, Neal_Pirolo@eri.org
8. ACA United Plans, PO BOX 1210, Kato Paphos, Cyprus, +357.624.5434;
fax:
+357.624.5434
Send name, address and passport country.
Health Insurance for anyone living outside the USA/Canada. No
age limit, no
medical exam; lifetime coverage.
Advertisement in Christianity Today, Oct 6, 1997 issue.
9. IC Insurance, email: ici@algonet.se, www.algonet.se/~ici
Box 71, 695 22 LAXA, SWEDEN
Tel: +46. 584. 12. 200
Fax: +46. 584. 12. 211
"Insurance for missionaries and Christian workers around the world"
from: Bo Rudolfsson, IC Insurance, ici@mail.algonet.se
________________________
Short Term Medical Coverage
1. Time Insurance Company Short Term Medical Plan (no specific
Christian focus. Serves self-employed and those with independent/private
insurance needs) Available through Adam's & Associates, aai@aaintl.com,
www.aaintl.com
2. Patriot Travel Medical Insurance Plan (no specific Christian
focus. Serves self-employed and those with independent/private
insurance needs), through Adams & Associates
3. Talent Trust Consultants, see previous page
4. The Banner Group, see previous page
5. Interhealth, 100636.1271@compuserve.com
Personal Healthcare for overseas travellers (no specific Christian
focus)
Partnership House
157 Waterloo Road
London SE1 8US, UK
Tel: +44. 0171. 902. 9000
Fax: +44. 0171. 928. 0927
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HEALTH
INSURANCE RATE INCREASES -- Are
you or your organization
experiencing rate increases on your health insurance? If so, be
sure to
contact Insurance Services of America. They are a Christian
organization that specializes in helping individuals and groups
find
affordable health insurance options. They have over 20 different
plans
for both short and long term needs, so they "shop" for
the missionary
to find the best options for that particular missionary's needs.
Check
out some of their plans online at
http://www.missionaryhealth.com , email them at
<isahealth@isa.phxcoxmail.com> or call them at 1-800-647-4589
(1-480-
821-9052 outside of North America). If you don't want to use the
"missionary" site you may get the same information online
at
http://www.worldwidemedical.com .- from Brigada
EVACUATION
INSURANCE
International
SOS
INSURANCE
AGAINST TERRORIST ATTACKS
LIFE INSURANCE THAT COVERS TERRORISM AND ACTS OF WAR
-- Recent news
indicates that Christian schools, churches, hospitals are being
targeted by terrorists. A new product, "High Limit Accident
Insurance"
has optional coverage for acts of terrorism and war. This plan
also
includes options for flight, common carrier, emergency medical
evacuation and repatriation of remains coverage along with permanent
total disability insurance. For a hard-copy information packet
contact,
write <jeff@gninsurance.com> or call 480/813-9100; Toll
free in USA:
866/636-9100.
Check out http://www.gninsurance.com, or the ".org"
or ".info"
extensions. From Brigada
INSURANCE FOR TERRORISM, TRIP CANCELLATION, & EVACUATION
-- Will
your health insurance cover you if you are injured because of
terrorism? Will your airline ticket be reimbursed if due to a
political
situation you cannot go on the trip you were planning? If, due
to
political reasons you are forced to evacuate, do you have coverage?
Besides health insurance plans, Jeff now has coverage for all
these
contingencies. For information contact <jeff@gninsurance.com>
or call
480/813-9100; Toll free in USA: 866/636-9100 or visit
http://www.gninsurance.com or
http://www.overseashealthinsurance.com . From Brigada
CHRISTIAN
POOLED MEDICAL INSURANCE
Several
Options For Shared Medial Listed Here
BIBLE BASED BENEVOLENCE THROUGH
MEDICAL COST SHARING:
dale@bhsys.com 127 Hazelwood Ave., Barberton, OH 44203-1300
Christian
Brotherhood
International
Health Insurance for Christian Workers
