The Alpha Plan

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 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.

Pricing:

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

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.

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:

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 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
• 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. Co-insurance of 20% applies.

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.