Cornerstone Africa

Designed for African missionaries and church workers serving 1 year or more in their own country or another African country.

The Cornerstone Plan provides international private medical insurance with extra care and support. It is intended to meet not just medical needs but also the physical, mental and financial needs of church workers and missionaries serving for more than one year.

Cornerstone 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: Cornerstone provides no cover outside of Africa and is only meant to serve Africans. If you are a citizen of a non-African country or require long-term cover outside of Africa, we recommend our Alpha plan or Omega Plan.

For short-term cover we recommend our Outreach plan.

IMPORTANT:  To receive pricing, please email us at [email protected] and ask for Cornerstone. 

Cornerstone Africa is available for those who are from, and serving in,

continental African countries:

Also available in:

Comoros Mauritius Mayotte Reunion

Sample cost:

Family of 4 = US$100/month

The Table of Benefits

All amounts are shown in US Dollars
Benefit Cover
Annual Maximum Limit per insured person (No Lifetime Cap) $250,000
Excess (Per medical condition) – Outpatient Only ($0 excess for day/inpatient treatment) $0
Emergency evacuation based on medical, political, terror, natural disaster incidents.
Additional expenses related to Evacuation – includes travel costs for an escort, non-hospital accommodation & repatriation $2,500
Pandemic cover
Terrorism medical cover
Medical Practitioner, Specialist Consultation or Nursing Fees
Prescription Medication and Dressings as a result of Inpatient care
Physiotherapy or Occupational Therapy as a result of Inpatient care
Emergency treatment in a dedicated emergency room of a hospital or urgent care facility
Intensive Care Unit cover
Inpatient & Day Patient Hospitalization
Surgery and associated fees from a medical practitioner and Medical Facility

Diagnostic and surgical procedures including:

  • Pathology tests
  • Ultrasounds
  • MRI
  • CT scans
  • X-rays
  • Prescribed appliances
Cancer Treatment
Pregnancy complications (10 month waiting period)
Preventative care for children under 6 years old $100
Local Ground Ambulance
Auto or motorcycle accidents
Burial / Cremation / Return of Mortal Remains $15,000
Organ transplant $100,000
per lifetime
Congenital Anomalies $50,000
per medical condition per lifetime
Newborn Hospital Accommodation – to accompany a mother who is receiving inpatient treatment
Parent Hospital Accommodation – to accompany a child receiving inpatient treatment
Reconstructive Surgery
Rehabilitation 120 days
per medical condition
Psychiatric Treatment $1,000 Inpatient
Accidental Damage to Teeth $500
Surgical Extraction of Teeth $500
Treatment of acute medical conditions caused by chronic conditions
Ongoing Chronic Conditions Management $1,000
Home Nursing 30 days
Hospice Care $50/days
up to 10 days
Convalescent Care 30 days
Choice of hospitals/doctors Unrestricted within accepted countries list

✔ 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

NCB

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.