Missionary Insurance Cost Comparison

While this table may prove helpful as a comparison, it is more important to make sure you know what you are getting for this price. If two or three options are within reach, it would be wiser to look into details and make sure you select a policy that fits your individual missions scenario as well as your personal healthcare needs.

Compare "apples to apples." This chart shows major medical insurance plans. It does not show "travel" policie

Table contains policies that EXCLUDE coverage inside the U.S. / Canada.
ANNUAL rates are shown with deductible set at $500.
Insurance Company Policy Title Single Female
25-29.
Couple in late 30's
with 3 children.
Couple age 55-59
HTH Worldwide Global Citizen
w/ opt drug covg
$1272 $7488 $10,668
Global Underwriters Diplomat Long Term
Seven Corners (formerly SRI) Reside Prime Worldwide $1074 $2442 $4312
Reside Worldwide** $444 $1318 $2325
International Medical Group (IMG) Platinum Worldwide $4482 $9290 $10, 764
Gold Worldwide $1220 $2571 $4204
Silver Worldwide $744 $1678 $2576
HCC Medical Insurance Services
(formerly MNU)
Global Citizen $1,701.00 $3,387.00 $4,624.00
Talent Trust Consultants Alpha Plan $788 (for
chronic covg.
add $550)
$2026 (for
chronic coverage
add $550 per adult)
$2840 (for chron.
coverage add
$550 per adult)
Table contains policies that fully COVER missionaries inside the U.S.
ANNUAL rates are shown with deductible set at $500.

Insurance Company

Policy Title

Single Female
25-29

Couple in late 30's
with 3 children.

Couple age 55-59

HTH Worldwide Global Citizen
w/ Opt Drug Coverage
$2508 $14376 $19512
Global Underwriters Diplomat Long Term
Seven Corners (formerly SRI) Reside Prime Worldwide $1422 $3278 $5772
Reside Worldwide ** $444 $1318 $2325
International Medical Group Platinum Worldwide $5775 $11,792 $13,954
Gold Worldwide $1626 $3428 $5605
Silver Worldwide $991 $2075 $3436
HCC Medical Insurance Services
(formerly MNU)
Global Citizen $2,181 $4,343 $5,640
Talent Trust Consultants Omega Plan (no limits
on residing in the U.S.)
$1985 (add $785
for chron. coverage)
$4181 (add $785
per adult for chron. coverage)
$4726 (add $785
per adult for chron. coverage)
How these Policies treat pre-existing conditions. Many people have some sort of medical condition that existed before they applied for insurance. When describing these conditions people like to characterize them as minor; ingoring the fact that insurance companies are not persuaded by this. It is better to be up front about your past medical history, and avoid any surprises down the road. Each plan's brochure should be consulted carefully for their definition of "pre-existing" conditions, and other limitations. Example wording below comes from brochures in December 2009.
HTH Worldwide If you were previously covered by a group or annually renewable individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH does not consider surplus lines insurance sold in the U.S. as creditable coverage.

The number of months of coverage shown on the Certificate will reduce or eliminate the six month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.
Global Underwriters

Seven Corners
(formerly SRI)

For Reside Prime Worldwide.  If an existing medical condition is fully and accurately disclosed on the application, and the condition is not excluded or restricted by an exclusionary rider, your pre-existing condition will be covered up to a lifetime maximum of $50,000 ($5,000 limit per year), after you have been continuously insured for twenty-four (24) months.

Pre-existing conditions are any Injury or Illness that meets the following criteria: 1) A condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under this Certificate; 2) A condition for which manifestation, medical advice, diagnosis, care or treatment (including medication) was recommended or received prior to the Effective Date of coverage under this Certificate; 3) Expenses for Pregnancy within twelve (12) months of the Effective Date of coverage under this Certificate.

International Medical
Group (IMG)

Coverage available after 24 months of continuous coverage. $5,000 per period of coverage up to a $50,000 lifetime maximum. More Info

Talent Trust Consultants

Q: Am I covered for any pre-existing illness or injury sustained before enrolling in the program?

A: As our healthcare program is insurance-based (providing cover against any 'unforeseen' accident or illness) it does not reimburse costs for preventative care, treatment arranged of your own volition or for conditions that may have pre-existed your enrollment. However, following a period of clear membership (no medication, treatment or doctors' consultations) for two years, the program will then cover any pre-existing conditions.

Thinks to Know. Most of these plans have the following in common.

  • These plans require you to be outside the U.S./Canada for at least 6 months per year.
  • Plans that do NOT offer coverage inside the U.S./Canada tend to give something like $50k funding toward emergencies that might occur while you are in the U.S. over a 60 or 90 day period.
  • You must be outside the U.S./Canada at the time of application or within 30 days.
  •  

 
Why Buy International Medical Insurance? (from HCCMIS website) The answer is easy. If you are a US citizen living abroad, traditional sources of US private health insurance may not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside, or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. If you travel or reside worldwide, you need health insurance that knows no boundaries. HCC Medical Insurance Services has designed CitizenSecureSM to meet your needs.

Travel Insurnace vs Major Medical Travel insurance is only ideal for people going on short term missions trips to the U.S. and then returning to the U.S. where they have a regular major medical insurance policy. Travel insurance is designed to cover medical expenses outside the U.S and often cover the cost of returning you to the U.S. Once back within the U.S. there is little to no coverage. Travel Insurance is also not appropriate for individuals residing outside the U.S. full time. In the latter case a missionary would want an insurance policy designed to cover individuals living full time (6 months to year round) outside the U.S.

Scheduled Benefit vs Comprehensive Benefit

Scheduled Benefit plans are designed to be lower in price. Their coverage outside the U.S. tends to be adequate, but limitations are set on medical care inside the U.S.