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:
Family of 4 = US$100/month
The Table of Benefits
|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|
|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:
|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|
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||✔|
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|
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.
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.
Talent Trust Gives Back
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.
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.
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.
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.
Member Assistance Program
Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.
No Claims Bonus
RightNow Media @Work
TT Gives Back
We support members and their missions by giving back a portion of our income
TT Mercy Fund
TT Referral Bonus
We reward our members when they tell their long-term friends about what we do.
Connect with an approved doctor 24×7. Whenever and wherever you need it.
Global security advice, planning and alerting.
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.
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.