Home  |  About TTc  |  Sitemap  |  Contact Us   |

 
View in Portuguese language View in Spanish language
 
   
 
   

 
 
 

Overview | Benefits | Options | Premiums | Payment | FAQs | Enroll Now

Frequently Asked Questions:
  1. We were wanting to check that the TTc scheme applies to everyone and not just to UK residents? We have a number of people who have spouses from other nations and would like to check if the scheme applies to them or not.
  2. How does TTc work should an insured person need to access health care in the UK? Is it TTc first or NHS first or what?
  3. Can Short Term personnel be part of the TTc group policy?
  4. In order to reduce the premium can we limit health cover to while in the UK only?
  5. Are there any countries where we would have personnel excluded from policy coverage or where an enhanced premium would be payable?
  6. Are claims resulting from acts of Terrorism and or War included without an enhanced premium being payable?
  7. How does the claim process work?
  8. Can you just cover a child? The parents already have alternative cover.
  9. When can someone sign up?
  10. How can someone sign up and pay for this policy?
  11. How long does it take from someone signing up until the policy starts?
  12. We work in the muslim world, is it possible to set up the scheme in a more secure name?
  13. If someone wants to have their baby born in the UK, would the policy pay for this?
  14. What has been the historical rate of premium increases that TTc have seen?
  15. How do you define a missionary?
  16. Can someone who is in the UK for more than a year use this policy?
  17. Does the policy work in Japan/do you have Japanese speakers and hospital contacts etc.?
  18. What is an Excess?
  19. What is the difference between an Excess and a Deductible?
  20. Please can you give me an example of how the policy excess works?
  21. What is Co-Insurance?
  22. What is covered by my TTc policy?
  23. Which hospitals can I use?
  24. Am I covered if I travel away from my country or area of residence?
  25. Will the pregnancy benefits cover a Caesarian Section and evacuation to the nearest capable hospital if that is prescribed?
  26. How does your program differ from a Short-Term / Travel policy?
  27. How do I submit a claim?
  28. How long will it take for my claim to be paid?
  29. Can my insurance pay my medical provider directly?
  30. How do I request a "direct settlement"?
  31. How do I obtain pre-authorisation for treatment like a planned in-patient surgery or an MRI scan?
  32. How do I fill a prescription?
  33. Can the emergency air-ambulance flights get into such places as Afghanistan or Cambodia?
  34. Who is eligible for cover by Talent Trust Consultants?
  35. Is there a limit to the number of days that a person can be resident in their home country?
  36. Do I need to have a medical examination before enrolling?
  37. How quickly can I be covered?

 



    
  1. Q: We were wanting to check that the TTc scheme applies to everyone and not just to UK residents? We have a number of people who have spouses from other nations and would like to check if the scheme applies to them or not.

    A: The GC policy is available to people from all nationalities.

    Back to top


  2. Q: How does TTc work should an insured person need to access health care in the UK? Is it TTc first or NHS first or what?

    A: In the UK, members have full access to private medical services. This said, as you may be aware our name is based on the concept of good stewardship (Matthew 25 – the parable fo the talents); stewardship of the resources that God has given us. We only insure missionaries and we try to instill in our members that this is their plan, and our future premiums are a direct reflection of our current claims, so if members take care where they can to reduce claims and take advantage of cheap or free healthcare when and where it is available, in the long run they will be the beneficiaries.

    Back to top


  3. Q: Can Short Term personnel be part of the TTc group policy?

    A: The GC group policy that has been set up is an annual policy. If you require short-term cover (from a few days up to 1 year), please explore our Outreach policy.

    Back to top


  4. Q: In order to reduce the premium can we limit health cover to while in the UK only?

    A: This is not possible, and would not actually reduce the premium.

    Back to top


  5. Q: Are there any countries where we would have personnel excluded from policy coverage or where an enhanced premium would be payable?

    A: There are no additional premiums for members residing or travelling to higher risk countries. However, there are some countries that Aetna do require a member to have an OFAC exemption if they are travelling or residing there. The countries in question are - North Korea, Iran, Syria, Cuba, Sudan (North) and the Crimean region annexed by Russia. If you are or have a member serving in these countries please contact TTc.

    Back to top


  6. Q: Are claims resulting from acts of Terrorism and or War included without an enhanced premium being payable?

    A: These types of claims are included as standard. Please see our TTc video of one of our members who was actually caught up in a suicide bombing in Pakistan here.

    Back to top


  7. Q: How does the claim process work?

    A: In most cases where a member is admitted to a hospital, payment is made directly by Aetna to the hospital. When a member realizes that they require treatment, they should ring the 24/7 member assistance number, and have their day or inpatient treatment pre-authorised by Aetna.

    In the case of an emergency, the member should always seek medical attention first, and then they or their representative must contact Aetna as soon as they can.

    For smaller out-patient claims, if a member has paid for something themselves, to get the money reimbursed, they will need to fill in a claim form, which can be downloaded from our website here, and scan this along with any invoices or receipts and email them to claims@talent-trust.com. The claims will then be assessed and can be reimbursed either by check or bank transfer (the member chooses this option on the claim form). Claims generally take between 5 and 10 days to be processed, then it takes about 5 days for the bank transfer to be done.

    Back to top


  8. Q: Can you just cover a child? The parents already have alternative cover.

    A: As the insurance contract is a legal agreement, an adult must be on the policy, it is not possible to just insure a child.

    Back to top


  9. Q: When can someone sign up?

    A: The policy is available today.

    Back to top


  10. Q: How can someone sign up and pay for this policy?

    A: Our aim is to cater to the needs of missionaries and their sending organisations, so enrolments can be done:
    1. Through our website here, and including credit card details for payment.
    2. Through the website, and arranging for transfer either from the member or the sending organization.
    3. By contacting TTc for a group enrolment form to submit member details, and by paying through bank transfer or credit card.

    Back to top


  11. Q: How long does it take from someone signing up until the policy starts?

    A: The policy will be considered in force once a member submits the online enrolment form, or a group enrolment form is submitted. It may take 1-2 working days for the confirmation documents to be sent to the member, but should anything happen in these days, the policy will still be in effect.

    Back to top


  12. Q: We work in the muslim world, is it possible to set up the scheme in a more secure name?

    A: For members working in the Muslim world and in other sensitive countries like China we offer a slightly modified member experience to help safeguard their work in those countries. We provide a separate website , which has no links to TTc, or any missions references. Members can sign up, and access details about the policies on here and download claims forms etc. TTc also tailor our communications to members in these countries to help safeguard their work there. Finally, we provide a modified insurance card that removes our website and logo, and instead only references the Aetna details.

    Back to top


  13. Q: If someone wants to have their baby born in the UK, would the policy pay for this?

    A: As long as the member has the pregnancy option, and the member has met the wait period on the benefit, yes the policy will pay for all eligible pre-natal, post-natal and delivery costs associated with the birth of a child. Please note that the policy does not cover the travel costs for the parents to return to the UK for the birth.

    Back to top


  14. Q: What has been the historical rate of premium increases that TTc have seen?

    A: Over the past 5 years the Alpha premiums have increased by an average of 5.05% per year (2011 – 0%, 2012 – 8%, 2013 – 6.25%, 2014 – 8%, 2015 – 3%).

    Back to top


  15. Q: How do you define a missionary?

    A: We recognize that in some countries it is not possible to live and work in that country with the open title of a missionary. Some people may be in a country with the official title of an English teacher, a doctor or a business person, but still consider themselves as missionaries. Therefore, our general rule is that as long as the primary reason why someone has gone to a location is to help fulfill the Great Commission, then they are welcome to use our policies.

    Back to top


  16. Q: Can someone who is in the UK for more than a year use this policy?

    A: Although the intention of this policy is to work for missionaries travelling to other countries, the policy does work worldwide, so yes it could work as a plan for someone who was spending a significant amount of time in the UK.

    Back to top


  17. Q: Does the policy work in Japan/do you have Japanese speakers and hospital contacts etc.?

    A: TTc partner with Aetna international to provide our members with a truly global plan, Aetna have more than 1,100 dedicated Aetna International employees worldwide based in 15 locations. This includes:
    - Greater China (Hong Kong and Shanghai)
    - Southeast Asia (Manila, Philippines; Singapore, and Jakarta, Indonesia)
    - United Arab Emirates (Abu Dhabi and Dubai)
    - United Kingdom (London, England and Farnham, England)
    - United States (Tampa, Florida; New Albany, OH; Blue Bell, Pennsylvania and Hartford, Connecticut)

    With regards to languages we have most languages within our teams and any that we may not have we use a translation service.

    Back to top


  18. Q: What is an Excess?

    A: The amount payable by a member for expenses incurred before any benefits are paid by the policy. A policy excess is applied for each new medical condition.

    Back to top


  19. Q: What is the difference between an Excess and a Deductible?

    A: A deductible is normally applied once per policy year and will be applied for all bills that year. All claims that you make in a policy year will go towards meeting your deductible. An excess is applied against each medical condition. Each new condition will have its own excess that will need to be met before the policy will begin to cover expenses. In the case of a condition that spans 2 or more policy years, the excess will only be applied once.

    Back to top


  20. Q: Please can you give me an example of how the policy excess works?

    A: In the event that a member broke their leg, all treatment associated with that broken leg, including setting the bone, putting the leg in a cast, doctors visits, rehabilitation, any medication for pain or infection, etc. would be classed as being associated with that one condition, and so one excess would be applied, so the member would pay their excess, and the insurance would pay for all other eligible treatment as defined in the policy legal wording. If the member subsequently had appendicitis and had to have his appendix removed, this would be classed as an unrelated condition to the broken leg, and all treatment associated with this condition would have a new excess applied to it, and once this was paid all eligible treatment would be covered by the policy.

    The only exception to this is for treatment within the United States, where a co-insurance will be applied against claims that is undertaken within the United States.

    Back to top


  21. Q: What is Co-Insurance?

    A: Co-insurance describes the cost sharing between a member and the insurance company, co-insurance refers to the percentage of a covered medical expense that the insurer and the member must pay. Under this policy, if a member requires treatment within the United States he or she will be liable for 20% of medical charges after the excess, up to US$10,000.

    Treatment within the United States that is not undertaken within the Preferred Provider Network will be subject to a 40% co-insurance and will not be subject to the co-insurance limit.

    Back to top



  22. Q: What is covered by my TTc policy?

    A: Your Policy Legal Wording contains complete details on your covered benefits. Please refer to this document for specific information about your benefits. If you are still unable to find answers to your questions, please contact us. To see the current policy wording for Alpha please click here. To see the current policy wording for Omega please click here. Please note that depending on when you started your policy, there may be slight variations between the policy that you signed up to and the current policy wording.

    Back to top



  23. Q: Which hospitals can I use?

    A: Outside of the United States there are no restrictions, but we do ask members to be prudent and bear in mind the costs when selecting their medical provider. Within the United States it is imperative that one of Aetna's PPO network facilities be used. Therefore, we suggest you enquire as to the most suitable facility when seeking pre-authorisation from the medical Helpline. For a current list of the approved PPO facilities within the United States, please visit the PPO Network area of our website.

    Back to top



  24. Q: Am I covered if I travel away from my country or area of residence?

    A: Yes, both the Alpha and Omega policies cover members worldwide. However, please note that the Alpha policy will only cover a member within the United States up to 60-days or US$50,000, whichever comes first, for new medical conditions that have started within the United States.

    Back to top



  25. Q: Will the pregnancy benefits cover a Caesarian Section and evacuation to the nearest capable hospital if that is prescribed?

    A: Yes, an emergency caesarian section would be covered as would evacuation to the nearest capable hospital, in the event of emergency treatment not being readily available at the place of the incident for the purpose of admission to a hospital as an in-patient or Day-patient. All related medical costs would, however, be limited to a total of US$15,000 under the Complications of Pregnancy benefit. Likewise, any travel or accommodation costs (outside a member's country of residence), if necessary, would fall under the Evacuation benefit.

    Back to top



  26. Q: How does your program differ from a Short-Term / Travel policy?

    A: If you are a full-time missionary, or planning on going into missions full time, TTc recommends that you choose one of our long-term programs rather than opting for a short-term program. Other insurers may sell you a short-term policy that you can renew every 12 months, but TTc will not do this, as we feel that this exposes you to a large hidden risk.

    Short-term policies are usually cheaper; the main reason for this is that they do not offer continuous coverage. Continuous coverage means that if you have a condition in one policy year, you will still be covered for that condition in the next year. Because a short-term policy does not have continuous coverage, should you contract a condition that could span two or more periods of cover, as soon as your current policy expires, you will not be covered for that condition. Worse, it may mean that you are completely uninsurable going forward, depending on the condition you have.

    This is why if you are a full-time missionary and you do not already have some form of long-term cover either through another policy (parent, employment or other) or through a government funded health service, TTc recommends that you use one of our long-term programs.

    Back to top



  27. Q: How do I submit a claim?

    A: Claims should be accompanied by a claim form and itemised receipts and can be submitted via email. For more details on how to submit a claim please click here.

    Back to top



  28. Q: How long will it take for my claim to be paid?

    A: On average, claims are paid within 15 business days of the date the claim is received.

    Back to top



  29. Q: Can my insurance pay my medical provider directly?

    A: Aetna can provide direct settlement to hospitals and other medical facilities to help members manage their up-front out-of-pocket expenses for higher-cost treatments in the following circumstances:

    Treatment outside of the United States: Out-patient treatment costing US$1,000 or more, day-patient, and in-patient treatment.

    Treatment inside of the United States: All eligible treatment received within Aetna's Preferred Provider Network.

    This means that your out-of-pocket expenses may be reduced because Aetna would pay the facility directly for covered expenses and you would generally only be responsible for any excess and/or co-insurance in accordance with your plan of benefits. Please note that in some remote locations some medical providers may not accept direct settlement by Aetna.

    Back to top



  30. Q: How do I request a "direct settlement"?

    A: You can arrange a direct settlement by contacting the Member Services number shown on Emergency page.

    Back to top



  31. Q: How do I obtain pre-authorisation for treatment like a planned in-patient surgery or an MRI scan?

    A: You can arrange pre-authorisation for treatment by contacting the Member Services number shown on Emergency page.

    For more information on medical treatment that would require pre-authorisation, please click here.

    Back to top



  32. Q: How do I fill a prescription?

    A: You may visit any pharmacy to have your prescription filled. You will be required to pay for your prescription at the point of service and then submit a claim for reimbursement.

    Back to top



  33. Q: Can the emergency air-ambulance flights get into such places as Afghanistan or Cambodia?

    A: Yes, an air-ambulance flight can normally get into these countries. However, the emergency assistance company (see Emergency page) would have to obtain permission from the local aviation authority to land. If this posed too much of a problem, then a local air charter company would be used to evacuate a patient. Therefore, please ensure that the emergency assistance team is fully informed so that they will be able to make all the necessary arrangements.

    Back to top



  34. Q: Who is eligible for cover by Talent Trust Consultants?

    A: TTc can cover anyone who is in full-time church or mission service. We recognise that some people may travel to certain countries that require them to be there under an alternate capacity. You are eligible for cover as long as your focus is to fulfill the Great Commission.

    Back to top



  35. Q: Is there a limit to the number of days that a person can be resident in their home country?

    A: No, however, please note that the Alpha program will only cover a member within the United States up to 60-days or US$50,000 maximum, whichever comes first.

    Back to top



  36. Q: Do I need to have a medical examination before enrolling?

    A: No.

    Back to top



  37. Q: How quickly can I be covered?

    A: We are usually able to confirm a member's cover within 2 working days, upon receipt of a member's details. Please note, we start a member's coverage ahead of their premium receipt and ask that you refer to the Payment areas of our website to understand how we operate on a trust basis.

    Back to top



Back to top
 

 

Products  |  Videos  |  Members  |  Making a Claim  |  Finding a US hospital  |  Emergency Contact  |  Reviews  |  About TTc  |  Sitemap  |  Contact Us

Facebook icon