The Alpha Plan

Designed for missionaries serving more than one year, who don’t need cover within the USA.

The Alpha Plan provides international private medical insurance with extra care and support for missionaries. It is intended to meet not just medical needs but also the security, mental health, and wellness needs of those planning to be in the field for more than one year.
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
Benefit Cover
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
ICU
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. 

Full details of the policy

Extra Care and Support

These comprehensive services are included for free with our plans. They are designed to help our members stay safe, keep well, and keep costs down.

Missionary, kids and sunflowers, linked to Program helping missionaries stay in the field longer

Member Assistance Program

Talent Trust's MAP brings together a host of services to help you and your family thrive in daily life, as well as through a crisis. This is free with all of our plans.

Map with hot spots linked to program to help missionaries stay safe and well globally

WorldAware

Access a global intelligence service providing security advice and assistance, including on-the-ground support for emergency travel and situations affecting personal safety. This is free with all of our plans.

Missionary with child video calling a doctor on the vHealth app, available with our international medical insurance

vHealth Worldwide

vHealth Worldwide is a 24/7 virtual health service that connects you to a qualified doctor remotely via mobile phone, tablet or laptop, from anywhere in the world. This is free with all of our plans.

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.

Example Pricing

Dad age 34, Mom age 32, child age 8, child age 6 = $2,964/year

All amounts are in US Dollars

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

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
Switzerland
Australia
China
Hong Kong
Israel
Japan
Russia
Singapore
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

Pregnancy

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.

Pricing:

  • $696 per Policy (US$4,000)
  • $957 per Policy (US$10,000)
  • $957 per Policy (US$25,000) 10% co-insurance applies

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.

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 damage to, luggage, clothing and personal effects. $2,000 in respect of loss of a notebook computer and up to $300 for the loss of a camera or musical instrument.

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

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. $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

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. Policy excess does not apply to this benefit so 100% is paid.

Pricing: $220 per Person

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

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 50% 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