The Omega Plan

Designed for missionaries serving more than one year, includes full US cover.

Omega is an international Private Medical Insurance plan designed for missionaries. Members also have access to extra resources to stay physically, mentally, and financially healthy, so they can be their best and have the greatest impact in their calling.

Omega provides full coverage in a missionary’s home country should a member need to return home for treatment, or during times of furlough.

Note: Omega provides cover globally, including within the USA. It is ideal for long-term American missionaries or those spending part of their time in the States. If you are neither American nor require cover within the USA, then we recommend our Alpha Plan.

The Table of Benefits

All amounts are shown in US Dollars
BenefitCover
Annual maximum limit per insured person$1,000,000
(no lifetime limit)
Excess/Deductible options are based on claims Inside/Outside of the USA.
They include:
Excess- $400/$100, $800/$200, $2,000/$500, $4,000/$1,000 and $5,000/$100
Deductible- $1,600/$400
Emergency medical evacuation$1,000,000
(no lifetime limit)
Video/Telemedicine Available globally. Free 24/7 Unlimited Use 
Pandemic cover – including COVID vaccinations of up to $250
Terrorism medical cover
Medical practitioner, specialist consultation or nursing fees
Prescription medication and dressings
Physiotherapy or occupational therapy – 20 sessions, covered in full. A medical report will be required for more sessions
Emergency treatment in a dedicated emergency room of a hospital or urgent care facility
ICU cover $1,500/day up to 180 days
Inpatient & day patient hospitalization covered in full
Outpatient treatment covered in full
Surgery and associated fees from medical practitioner and medical facility

Diagnostic and surgical procedures covered in full per examination including:

  • Pathology tests
  • Ultrasounds
  • MRI
  • CT scans
  • X-rays
  • Prescribed appliances
Cancer treatment
Normal pregnancy (10-month waiting period) $10,000 per pregnancy with the Level 2, Hybrid & Deductible Plans.
$25,000 per pregnancy with the Level 1 Plan. The Level 3 & Level 4 Plans do not include pregnancy cover.
Additional option
Pregnancy complications (10-month waiting period)
Annual wellness check-ups $400/person (20% co-insurance)
Local ground ambulance $1,500 per event
Auto or motorcycle accidents
Burial / cremation / return of mortal remains $15,000 per person
Organ transplant $250,000 per lifetime
Congenital anomalies $100,000 per medical condition
Newborn hospital accommodation – to accompany a mother who is receiving inpatient treatment
Parent hospital accommodation – to accompany a child receiving inpatient treatment
Traditional chinese medicine
Reconstructive surgery
Rehabilitation 120 days per medical condition
Alternative treatments including a chiropractor, osteopath, homeopath, podiatrist or acupuncturist – 20 sessions covered in full. A medical report will be required for more sessions
Psychiatric Treatment Inpatient: $5,000 with a 30-day limit. Outpatient: Limited to $5,000
Accidental damage to teeth $2,500
Surgical extraction of teeth $2,500
Treatment of acute medical conditions caused by chronic conditions
Ongoing chronic conditions management $3,000
Hormone replacement therapy 3 months per lifetime
Home nursing 30 days per medical condition
Hospice care 30 days
Convalescent care costs incurred in the first 30 days
Hospital cash benefit $125/night up to 20 nights
Choice of hospitals/doctors USA – Aetna PPO, Elsewhere – unrestricted
20% coinsurance applies in the USA only, up to $10,000/person

✔ Covered up to policy limit or limits indicated, excess/deductible and co-insurance where applicable.

A group huddle of floorball players linked to our travel medical insurance's no claims bonus benefit

No Claims Bonus

At Talent Trust, we reward our members for staying healthy, which helps us to keep our premiums down.  See how you can save up to 50% of your premium.

Our private medical insurance policyholder and child planting a tree, linked to our gives back benefit

Talent Trust Gives Back

We support members and their missions by giving back a portion of our income.
Missionary couple talking about our health insurance's referral bonus while walking through the countryside

Referral Program

Rather than spending lots of money on advertising campaigns to help others find our services, we prefer to give that money to our members when they tell their friends about what we do.

The team, ready to serve alongside missionaries by providing the best worldwide health insurance

Our Team

It’s our privilege and joy to support missionaries with our unique service so that they can thrive in the field.  Our team has unparalleled experience and knowledge, with a heart to serve. 

A woman sitting on a mountain looking at her phone wondering if she has health insurance

myStrength

myStrength is an online tool, free with all of our policies, to help you live your best life. You will find help for stress, anxiety, chronic pain and more. 

Children playing at the beach, linked to our Program helping missionaries with their finances

Mercy Fund

We know life can be complicated, so we tithe 10% of our income into a discretionary Mercy Fund to cover things that fall outside of the scope of our insurance policies.

Feel secure and protected with a Talent Trust Insurance Plan

These comprehensive services are included for free with our plans.

Designed with extra resources to stay physically, mentally, and financially healthy, so you can thrive as long as needed in your calling.

MAP-hd

EAP Expat Assistance Program

Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.

NCB-hd

No Claims Bonus

We reward our members for staying healthy, which helps us to keep our prices down.

RightNow Media-hd

RightNow Media

A faith-based video library designed to help you thrive in every area of life.

TT-Gives-Back-hd

TT Gives Back

We support members and their missions by giving back a portion of our income

Mercy-Fund-hd

TT Mercy Fund

We tithe 10% of our income into a discretionary Mercy Fund to cover things that fall outside of scope of our insurance policies.

Referral-Program-hd

TT Referral Bonus

We reward our members when they tell their long-term friends about what we do.

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Virtual Healthcare

Connect with an approved doctor 24×7. Whenever and wherever you need it.

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SecuriTT

Global security advice, planning and alerting.

Our-Team-hd

Your Team

Our mission is to support missionaries so they can thrive in the field. We offer more than a broker or a traditional insurance company.

At Talent Trust we want missionaries to be their best, so we provide resources that any missionary can access for free to help them and their ministry.

Compass Group-hd

Thrive Together

Group coaching on topics such as navigating transitions, language learning, support raising, and more.

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FiTT

Maintain and improve your fitness – so you can bring more of yourself to your ministry.

Click Here to See How Our Benefits Can Help You

Excess/Deductible Options

Everyone’s needs are different. We have a great insurance policy and then allow you to personalize it. We offer multiple levels of excess and deductible. These are the amounts paid before any benefits are paid by the policy. The higher your choice of excess or deductible the lower your premium. We also have other optional areas of coverage below.

Excess/Deductible Options

Our Most Popular Omega Plans

Plan Type:
Omega
Excess or
Deductible*
DescriptionPremium
Omega Excess 800/200Excess
Within USA $800
Overseas $200
Moderate excess option.
Includes pregnancy benefit.
Most popular for those requiring
regular US cover.
$$$$
Omega Deductible 1600/400Deductible
Within USA $1600
Overseas $400
Moderate deductible option.
For Americans overseas, comprehensive protection against large medical bills.
Includes pregnancy benefit.
$$$$
Omega Excess 5000/100Excess
Within USA $5000
Overseas $100
High excess for treatment in the USA, with lowest excess for treatment outside of the USA. Includes pregnancy benefit.
Most popular option for those not intending to travel to the USA.
$$

Other levels of Excess/Cover that might suit your situation

Omega Excess 400/100Excess
Within USA $400
Overseas $100
Lowest excess option.
Includes pregnancy benefit.
$$$$$
Omega Excess 2000/500Excess
Within USA $2000
Overseas $500
Higher excess, no pregnancy benefit, lower premium.
Cover for large medical bills.
$$$
Omega Excess 4000/1000Excess
Within USA $4000
Overseas $1000
High excess, no pregnancy benefit, lowest premium.
Protection from large medical bills.
$

Example Pricing

Dad age 34, Mom age 32, child age 8, child age 6 = $7,732/year (Pricing based on Omega Excess 800/200 or Omega Deductible 1600/400 which include pregnancy cover)

 

*Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied once per medical condition, per person. It is not reapplied the following year. 

Deductible: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The deductible is applied per person, per year.

Additional Options

Everyone’s needs are different. We have an excellent insurance policy and then allow you to personalize it to your needs.

All amounts are in US Dollars

Maternity Cover

This option covers pregnancy, childbirth, and elective cesarean sections, after the first ten months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition.

$10,000 maternity is included with:
• Omega Excess 800/200
• Omega Deductible 1600/400
• Omega Excess 5000/100

$25,000 maternity is included with:
• Omega Excess 400/100 

Extended Chronic Conditions

This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition which manifests after its purchase date from $3,000 to $50,000 per year. HIV/AIDS coverage limited to $10,000.

Under the standard program rules, the initial diagnosis of a chronic condition will be covered up to the maximum program limit. All routine management and palliative medical expenses for the chronic condition will be limited to $3,000 per year after the initial diagnosis.

Pricing: $1,136 per Adult and $385 per Child.

Note: This option is applied to all dependents on the policy.

Travel Insurance

A straightforward and effective travel insurance policy that works while you’re away from your home country and overseas country of residence. Please note that for children, this option is only necessary if the child travels alone.

Cancellation & Curtailment: Up to $1,500 for unused travel and accommodation costs, should you have to cancel or cut short your projected journey.

Luggage, Clothing & Personal Effects:  Up to $1,000 for loss of, or stolen to, luggage, clothing and personal effects. $1,000 in respect of loss of a notebook computer and up to $300 for the loss of a camera or musical instrument.

For loss of luggage, we will pay $20 per kilogram of the luggage weight. Documentation of carrier’s rejection of claim for loss of luggage and proof of luggage weight is required when submitting a claim. Our liability for each claim shall be limited to $500.

Personal Money:  Up to $500 for the loss of cash, bank or currency notes, traveler’s cheques, passports, etc., including reasonable expenses incurred as a result of a loss.

Excess: $50 for each claim ($100 in the USA).

Territory:  Worldwide, excluding a member’s Home Country and Normal Country of Residence.

Pricing: $30 per Person

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

Compassionate Travel

This option provides cover for reasonable travel and accommodation for one insured person (together with any minors) per policy having to travel to and return from the normal Country of Domicile or Country of Residence when:

  • A parent has unexpectedly suffered a life-threatening accident, life-threatening illness, or suffered sudden death from any condition (which did not pre-date the purchase date of this agreement). This covers $1,500 of the costs for travel and is limited to no more than two claims in any five years.
  • A near relative is unexpectedly placed on the critical list following an accident. This covers $3,000 towards the cost of travel per incident.

Pricing:   $384 per Policy

Personal Accident

A lump sum payment of $100,000 in the event of…

1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following Accident

Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.

Pricing:  $212 per Adult

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

Non-Emergency Travel

This option will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility, in the event that a member requires inpatient or day patient non-emergency treatment that is unavailable at the member’s current location. Subject to written agreement from us, and certified instructions from the attending medical practitioner or specialist including confirmation that the required treatment is unavailable at the place of incident. Limited to $500 per period of cover (subject to 20% coinsurance).

Emergency travel benefits are included as a standard benefit within the policy.

Note: The option, if purchased, must be applied to all dependents on the policy.

Pricing:  The pricing is based on the premium rate for the Omega policy. You can simply get a quote to see the price. You will have the option to de-select before purchasing.

Routine Dental Cover

This includes examinations and tooth cleaning, normal compound fillings, porcelain crowns, extractions, and root canal treatment, but excludes false teeth, denture, corrective, orthodontic or cosmetic treatment carried out by a dental surgeon in dental surgery; up to $250 per insured person per period of cover. This cover is subject to a 6-month waiting period.

Pricing: $195 per Adult, $50 per Child.
Note: This option must be applied to all dependents on the policy.

Vision Care

Provides for the cost of a routine eye exam and the purchase of vision hardware when the member’s prescription has changed. Limited to one eye exam and a maximum of $250 per insured person per period of cover.

Applies to one eye exam and prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames

Pricing: $78 per person.

Must be applied to all dependents on the policy.
Policy excess/deductible does not apply to this benefit. 50% coinsurance inside the USA and 20% coinsurance outside of the USA.

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

Crisis Assistance Program (CAP)

A program that covers evacuations and crisis response teams during natural disasters and times of political instability.

CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• Terrorism
• Kidnap
• Hi-Jack
• Ransom
• Violent Crime

Along with 24/7 live support, the CAP Advantage App delivers real-time travel risk support to help members steer clear of security threats altogether.

Pricing for CAP is $90/year per adult and $60/year for each dependent child.
Travel to the following countries is not covered: Afghanistan, Libya, Iran, North Korea, Russia, Somalia, Sudan, Syria, Ukraine, Venezuela, and Yemen.

CAP does not provide evacuation services to members serving in countries where the member’s passport country advises against all travel, such as US Travel Advisory Level 4 countries for US citizens. If the member’s country does not have a formal travel advisory, the US travel advisory will be used. If the member is in a US Level 4 country (the travel advisory advises against all travel), they can only access the Crisis Response Center (CRC) to get advice on their situation.

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

Terms and More Info

Co-Insurance: For treatment received within the preferred provider network in the USA, members will be liable for the first 20% of any admissible cost up to an annual limit of $10,000 per insured person per period of cover and also, the first 20% of any admissible cost incurred for Well Child Care and Annual Wellness Check. The coinsurance is applied after any deduction for excess applicable to the policy.

The following benefits are not subject to an excess/deductible and coinsurance:

  • Emergency Evacuation
  • Mortal Remains
  • Emergency Transportation
  • Hospital Cash Benefit

The Complications of Pregnancy benefit is not subject to coinsurance.

The following benefits are not subject to an excess/deductible:

  • Well Child Care
  • Wellness Benefit