The Alpha Plan
Designed for missionaries serving more than one year, who don’t need cover within the USA.
Alpha 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.
Alpha also provides full coverage in a missionary’s home country should a member need to return home for treatment, or during times of furlough.
The Table of Benefits
|Annual maximum limit per insured person||$1,000,000|
(no lifetime limit)
|Excess (per medical condition) – outpatient only ($0 excess for day/inpatient treatment)||$100|
|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 per condition. A doctor’s report is required for additional sessions||✔|
|Emergency treatment in a dedicated emergency room of a hospital or urgent care facility||✔|
|Inpatient & day patient hospitalization||✔|
|Surgery and associated fees from medical practitioner and medical facility||✔|
Diagnostic and surgical procedures including:
|Pregnancy normal (10-month waiting period)||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||✔|
|Rehabilitation 120 days per medical condition||✔|
|Alternative treatments including a chiropractor, osteopath, homeopath, podiatrist or acupuncturist – 20 sessions per condition. A doctor’s report is required||✔|
|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||✔|
|Infertility treatment (after 2 years), $2,500 per lifetime||✔|
|Home nursing 30 days per medical condition||✔|
|Hospice care. Costs incurred in the first 30 days||✔|
|Convalescent care 30 days per event||✔|
|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 $5,000/person||✔|
✔ Covered up to policy limit or limits indicated, excess/deductible and co-insurance where applicable.
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.
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.
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.
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.
EAP Expat Assistance Program
Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.
No Claims Bonus
We reward our members for staying healthy, which helps us to keep our prices down.
A faith-based video library designed to help you thrive in every area of life.
TT Gives Back
We support members and their missions by giving back a portion of our income
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.
TT Referral Bonus
We reward our members when they tell their long-term friends about what we do.
Connect with an approved doctor 24×7. Whenever and wherever you need it.
Global security advice, planning and alerting.
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.
Group coaching on topics such as navigating transitions, language learning, support raising, and more.
Maintain and improve your fitness – so you can bring more of yourself to your ministry.
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
Alpha Restricted Territories
This option is ideal for missionaries who are not from, nor are planning to serve in the countries listed below. The reason is that this option restricts cover to a maximum of 60 days or $50,000 per insured year (whichever comes first) for emergency cover of a new medical condition which first manifested while a member was visiting the following countries:
United Arab Emirates
United States of America
Coinsurance: The first 20% of any admissible cost for accident and emergency treatment received in the listed countries is payable by the insured.
Pricing: Limiting cover in these high-cost countries reduces the Alpha premiums by 25% from the standard Alpha premiums.
The following discounts on options also apply
• Pregnancy 5% discount
• Chronic Conditions 5% discount
• Routine dental 5% discount
Note: This option is not suitable for members whose home country is one of the restricted territories. More Info on the Alpha Restricted Territories Option
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. Mothers have the choice of any hospital they want in the available countries.
- $696 per Policy (US$4,000)
- $957 per Policy (US$10,000)
- $957 per Policy (US$25,000) 10% co-insurance applies
Extended Chronic Conditions
This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition that 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: $681 per Adult and $231 per Child.
Note: This option is applied to all dependents on the policy.
Routine Dental Cover
This includes examinations and tooth cleaning, normal compound fillings, porcelain crowns and extractions, but excludes root canal treatment, 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: The option, if purchased, must be applied to all dependents on the policy.
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 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
A lump-sum payment of $100,000 in the event of:
- Accidental Death
- Permanent Total Disablement from usual occupation following an accident
- Loss of and/or loss of use of eyes and/or limbs following an 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 will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility if 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. $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: 4% of total policy premium (please get a quote for details).
Applies to one eye exam and prescription costs for:
• Contact lenses
• 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. Co-insurance of 20% applies.
Crisis Assistance Program (CAP)
CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• 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.
Terms and More Info
Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied per medical condition per insured person.
Co-Insurance: The first 20% of any admissible cost for an accident and emergency treatment received in the USA. The maximum payable by you is $5,000 per insured person per period of cover. 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 and coinsurance:
- Emergency Evacuation
- Mortal Remains
- Emergency Transportation
- Hospital Cash Benefit
There is no coinsurance for the Complications of Pregnancy.
The following benefits are not subject to an excess:
- Well Child Care
- Wellness Benefit