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.

Note: Alpha has restrictions on cover within the USA. If you are a US citizen or require cover within the USA, we recommend our Omega Plan.

The Table of Benefits

All amounts are shown in US Dollars
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
(outpatient only)
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
Outpatient treatment
Surgery and associated fees from medical practitioner and medical facility

Diagnostic and surgical procedures including:

  • Pathology tests
  • Ultrasounds
  • MRI
  • CT scans
  • X-rays
  • Prescribed appliances
Cancer treatment
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
Reconstructive surgery
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. 

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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.

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Talent Trust Gives Back

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

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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.


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.

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RightNow Media

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.


Virtual Healthcare

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



Global security advice, planning and alerting.


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.

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Thrive Together

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.

Click Here to See How Our Benefits Can Help You

Additional Options

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

All prices are quoted in US$ per year.

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:

EU countries
United Kingdom
Hong Kong
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 territoriesMore 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 of cover)
  • $957 per Policy (US$10,000 of cover)
  • $957 per Policy (US$25,000 of cover) 10% co-insurance applies

Additional Chronic Conditions Cover

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.

Cover includes check-ups associated with the chronic condition, drugs and dressing prescribed for the management of the chronic condition, hospital accommodation, nursing, surgery, and palliative treatment.

Cover under this option further includes medical expenses which arise from or are in any way related to Human Immunodeficiency Virus (HIV) and/or related HIV illnesses, including Acquired Immune Deficiency Syndrome (AIDS) or Aids Related Complex (ARC) and/or any mutant derivative or variations.

Expenses are limited to:

  • Pre and post diagnosis consultations
  • Routine check-ups for this condition
  • Prescribed drugs and dressings (except experimental or investigational)
  • Hospital accommodation and nursing fees

The cover is limited to new medical conditions that manifest after the purchase of this benefit.

Pricing: $681 per Adult and $231 per Child.

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


This Options Includes:

Dental treatment (80% refund) up to US$500
Dental surgery (80% refund) up to US $500
Periodontics (80% refund) up to US $500
Orthodontic treatment and dental prostheses (50% refund)( 10 month waiting period) up to US $2,000

Dental Treatment
An annual check-up, simple fillings related to cavities or decay, root canal treatment, and dental prescription drugs.

Dental Surgery
Surgical extraction of teeth, as well as other tooth-related surgical procedures such as apicoectomy and dental prescription drugs. All investigative procedures that establish the need for dental surgery such as laboratory tests, X-rays, CT scans and MRI(s) are included under this benefit.

Dental treatment related to gum disease.

The use of devices to correct malocclusion (misalignment of your teeth and bite).

  • Increased overjet > 6mm but <= 9 mm
  • Reverse overjet > 3.5 mm with no masticatory or speech difficulties
  • Anterior or posterior crossbites with > 2 mm discrepancy between the retruded contact position and intercuspal position
  • Severe displacements of teeth > 4
  • Extreme lateral or anterior open bites > 4 mm
  • Increased and complete overbite with gingival or palatal trauma
  • Less extensive hypodontia requiring pre-restorative orthodontics or orthodonticspace closure to obviate the need for a prosthesis
  • Posterior lingual crossbite with no functional occlusal contact in one or more buccal segments
  • Reverse overjet > 1 mm but < 3.5 mm with recorded masticatory and speech difficulties
  • Partially erupted teeth, tipped and impacted against adjacent teeth
  • Existing supernumerary teeth

Dental Prostheses
Crowns, inlays, onlays, adhesive reconstructions/restorations, bridges, dentures and implants as well as all necessary and ancillary treatment required.

Price $367 per person
This option must be applied to all dependents on the policy. The annual deductible or excess does not apply.

Cover is available after you’ve had 6 months of continuous cover from the date that this optional benefit was first included in your plan.

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 an accident
  3. 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 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 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).

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

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