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Why do I need medical insurance? - The fact that you are here, reading this, probably means that this question has already been answered. However, it does not hurt to remind you that everyone needs a way to protect themselves from today’s crippling medical treatment costs. Insurance coverage not only helps meet our responsibility to family, but also protects us whilst serving overseas on the mission field. In the past, we have seen the burden of uninsured claims lead to ministries having to be shut down, simply because the team could no longer meet a local hospital’s legally enforced demands for payment. Our insurance programs could have easily prevented that from happening as our underwriters’ Guarantee of Payment is acceptable throughout the world.
Are TTc's premiums fair and reasonable? - Our ministry provides unique, quality medical insurance at affordable rates and acts as intercessor between its members and the underwriters at Aetna Global Benefits, one of America’s largest insurers rated A (Excellent) by Standard & Poor’s. On average our premiums are only about 60% of what would be normal in a member’s home country. This is achieved by our members’ good stewardship and wise consideration of their NCB (No Claims Bonus) that rewards good stewards with up to a 35% discount. Not only that, we also have our own Ministry Fund that helps meet small claims which fall outside the rules of the legal contract but within the spirit of our ministry.
Why should I enroll with Talent Trust now? - Simply put, there are no better programs available at the cost ...at any cost! For those serving overseas the only alternative is travel insurance, which, by its very nature, falls short when it comes to covering a claim after its first year (travel cover, being separate annual policies, means that any previous medical condition or claim is automatically classified and rejected as pre-existing). Therefore, if you plan to serve long-term, please do not make the mistake of buying travel insurance and then trying to transfer later, when you find it fails to meet your needs ...it could prove very costly. Likewise, for home based church workers, our wonderful premium cost advantage is an obvious incentive; one that puts good medical coverage back within financial reach.
We hope the above questions and answers have painted an encouraging picture that shows how we at TTc have a real passion to serve alongside with programs that have already proven their worth to so many members. We therefore invite you to take the next step and spend time enjoying our web site whilst deciding the suitability of our healthcare programs to meet your insurance needs. Especially take note of the wonderful testimonies of what God has done in many of our members’ lives.