The Omega Plan

Designed for missionaries serving more than one year, includes full US cover.

The Omega 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.

Omega 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: Omega provides cover globally, including within the USA. It is ideal for long-term American missionaries or those spending part of their time in the States. If you are neither American nor require cover within the USA, then we recommend our Alpha 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/Deductible options are based on claims Inside/Outside of the USA.
They include:
Excess- $400/$100, $800/$200, $2,000/$500, $4,000/$1,000 and $5,000/$100                        Deductible- $1,600/$400
Emergency medical evacuation
Video/Telemedicine Available globally. Free 24/7 Unlimited Use 
Pandemic cover
Terrorism cover
Medical practitioner, specialist consultation or nursing fees
Physiotherapy or occupational therapy $1,200
Emergency treatment in a dedicated emergency room of a hospital or urgent care facility
ICU cover $1,500/day up to 180 days
Inpatient & day patient hospitalization $600/day up to 240 days
Outpatient treatment $5,000
Surgery and associated fees from medical practitioner and medical facility
“Diagnostic and surgical procedures $1,000 per examination including:

  • Pathology tests
  • Ultrasounds
  • MRI
  • CT scans
  • X-rays
  • Prescribed appliances
Cancer treatment
“Pregnancy normal (10-month waiting period) US$10,000 per pregnancy for excess levels: US$800/US$200, US$5,000/US$100 or deductible: US$1,600/US$400
or
US$25,000 per pregnancy for excess level: US$400/US$100
Benefit does not apply to excess levels US$2,000/US$500 and US$4,000/US$1,000”
Additional option
Pregnancy complications (10-month waiting period)
Annual wellness check-ups $400 (20% coinsurance)
Local ground ambulance $1,500
Auto or motorcycle accidents
Burial / cremation / return of mortal remains $15,000
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 – chiropractor, osteopath, homeopath, podiatrist or acupuncturist up to $1,200
Psychiatric treatment $5,000 inpatient & $5,000 outpatient
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 (after 2 years) $2,500
Home nursing 30 days per medical condition
Hospice care 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 $10,000/person

✔ Covered up to policy limit or limits indicated, excess/deductible and co-insurance where applicable.

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

vHealth 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.

Excess/Deductible Options

Everyone’s needs are different. We have a great insurance policy and then allow you to personalize it. We offer multiple levels of excess and deductible. These are the amounts paid before any benefits are paid by the policy. The higher your choice of excess or deductible the lower your premium. We also have other optional areas of coverage below.

Excess/Deductible Options

Our Most Popular Omega Plans

Plan Type:
Omega
Excess or
Deductible*
Description Premium
Level 2a
800/200
Excess
Within USA $800
Overseas $200
Moderate excess option.
Includes pregnancy benefit.
Most popular for those requiring
regular US cover.
$$$$
Level 2b
1600/400
Deductible
Within USA $1600
Overseas $400
Moderate deductible option.
For Americans overseas, comprehensive protection against large medical bills.
Includes pregnancy benefit.
$$$$
Level 5
 5000/100
Excess
Within USA $5000
Overseas $100
High excess for treatment in the USA, with lowest excess for treatment outside of the USA. Includes pregnancy benefit.
Most popular option for those not intending to travel to the USA.
$$

Other levels of Excess/Cover that might suit your situation

Level 1
400/100
Excess
Within USA $400
Overseas $100
Lowest excess option.
Includes pregnancy benefit.
$$$$$
Level 3
2000/500
Excess
Within USA $2000
Overseas $500
Higher excess, no pregnancy benefit, lower premium.
Cover for large medical bills.
$$$
Level 4
4000/1000
Excess
Within USA $4000
Overseas $1000
High excess, no pregnancy benefit, lowest premium.
Protection from large medical bills.
$

Example Pricing

Dad age 34, Mom age 32, child age 8, child age 6 = $7,732/year (Level 2a or 2b includes, pregnancy cover)

 

*Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied once per medical condition, per person. It is not reapplied the following year. — It’s similar to a deductible, but better. 

Deductible: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The deductible is applied per person, per year.

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

Chronic Conditions

This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition which manifests after its purchase date from US$3,000 to US$50,000 per year. HIV/AIDS coverage limited to US$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 US$3,000 per year after the initial diagnosis.

Pricing: $1,218 per adult and $412 per child.

Note: This option is applied to all dependents on the policy.

Travel Insurance

Straightforward, but effective travel insurance policy that works whilst 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 US$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 US$1,000 for loss of, or damage to, luggage, clothing and personal effects. US$2,000 in respect of loss of a notebook computer and up to US$300 for the loss of a camera or musical instrument.

Personal Money:  Up to US$500 for the loss of cash, bank or currency notes, traveller’s cheques, passports, etc., including reasonable expenses incurred as a result of loss.

Excess: US$50 for each claim (US$100 in the USA).
Territory:  Worldwide, excluding a member’s Home Country and Normal Country of Residence.

Pricing:  $137 per person

Compassionate Travel

This option extends the benefit to provide cover for reasonable travel and accommodation for one insured person (together with any minors) per policy necessarily 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 a sudden death from any condition which did not pre-date the purchase date of this agreement.
    This is subject to US$1,500 towards the cost of travel per period of cover and limited to no more than 2 claims in any 5-year period.
  • A near relative has unexpectedly been placed on the critical list following an accident.

This is subject to US$3,000 towards the cost of travel per incident.

Pricing:   $458 per policy

Personal Accident

A lump sum payment of US$100,000 in the event of…

1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following 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, in the event that 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. Limited to US$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:  The pricing is based on the premium rate for the Omega policy. You can simply get a quote to see the price. You will have the option to de-select before purchasing.

Routine Dental Cover

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 a dental surgery; up to US$250 per insured person per period of cover. This cover is subject to a 6-month waiting period.

Pricing:  $216 per adult, $55 per child.

Note: This option is applied to all dependents on the policy.

Vision Care

The cost of routine eye exam and the purchase of vision hardware, when the member’s prescription has changed. Limited to 1 eye exam and a maximum of US$250 per insured person per period of cover. Policy excess does not apply to this benefit.

Pricing:  $220 per person

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

Terms and More Info

Co-Insurance: For treatment received within the preferred provider network in the USA, members will be liable for the first 20% of any admissible cost up to an annual limit of US$10,000 per insured person per period of cover and also, the first 20% 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/deductible and coinsurance:

  • Emergency Evacuation
  • Mortal Remains
  • Emergency Transportation
  • Hospital Cash Benefit

The Complications of Pregnancy benefit is not subject to coinsurance.

The following benefits are not subject to an excess/deductible:

  • Well Child Care
  • Wellness Benefit
Full details of the policy