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

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 Option 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.

Periodontics
Dental treatment related to gum disease.

Orthodontics
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.

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

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.

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).

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.

CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• Terrorism
• Kidnap
• Ransom

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 $75/year for each dependent child. Must be applied to all dependents on the policy.

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.