Claims Hero Background HD


Please note that all changes highlighted in this update will take effect for all policies renewing on or after 1 May 2024.

In March, we met with Allianz to review the claims performance of our plans over the past year and plan for the next.


We understand that keeping premiums low is important to you. Over the past 5 years, we have been able to decrease our premiums in most of those years while continuing to improve our products and ensure that they are effective for your needs.

As you will have experienced in other areas of life, inflation has pushed up the costs of many of the goods and services that we all use. This includes the cost of medical treatment around the world.

This has meant that although we have had a similar number of claims, the claim amounts have been higher. Our premiums need to rise to meet the cost of claims, so we have to increase both our Alpha and Omega premiums in 2024.

Alpha premiums will increase by 8.5%.
Omega premiums will increase by 5%

Benefit Changes

One of our core values at Talent Trust is that we want to be effective in what we do. We want to ensure that our products are effective for your needs. In order to meet more of your needs, for renewals from May 2024, Alpha and Omega will include cover for chest x-rays as part of the wellness check-ups, and cover will extend to cover treatment for eating disorders.

Dental Option Changes

Another change to help us be effective will happen with our option for dental treatment.

We will be introducing a much more comprehensive Dental option that covers dental surgery, orthodontics, periodontics, implants, etc.

After researching what people were asking for and exploring what our underwriters were able to build, we now have a new dental option that offers much more value.

The new dental option benefits are:

  • Dental treatment $500 (20% co-insurance) 
  • Dental surgery $500 (20% co-insurance)
  • Periodontics $500 (20% co-insurance) 
  • Orthodontics $2,000 (50% co-insurance) 
  • Dental Prostheses & Implants $1,000 (50% co-insurance)

The cost of the new dental option is $367 per person

The old routine dental option will no longer be available from your next renewal. However, many of the same routine dental benefits are now included as standard in your policy as part of the improved wellness benefits

We will check with you at your renewal if you want to include the new dental option.

Notes on what is covered

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.


 Dental treatment related to gum disease.


 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 orthodontic space 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.

Our Team

Our team has had a few changes in the past few months. At the end of 2023, Pansy, who headed up our Customer Success team, retired after 19 years with Talent Trust. Pansy was a wonderful servant to Talent Trust and was instrumental in getting us to where we are today. She will be greatly missed… this said, she has already been back for a few visits, so we will definitely see more of her. 🙂

Pansy has left us a great legacy, and to prepare for this change, she spent last year establishing Sarah Thum and Mabel James as her replacements, raising them up to take on the mantle of leadership in Customer Success and for the future of Talent Trust.

Our number of members continues to grow (up by 8.5% in 2023), and our team continues to grow to ensure that we can serve you effectively. In the past 6 months, Esther Dominic, Sharon Koh, and Bryan Looi have joined to ensure that we can provide you with the service that you deserve.

Please Tell Your Friends About Us

Our #1 source of new members is a referral from a friend. Having a larger membership allows us to provide more services, and, through economies of scale, reduces our costs per member, keeping our premiums down.

Thank You

Thank you for continuing to support us to help global workers be their best.

Thank You

Thank you for your continued support as we continue to provide you with resources to stay physically, mentally, and financially healthy.

We are now more active on social media so please help us let more missionaries know about the great products and services we offer. 

Related News

2023 Renewal Update

2023 Renewal Update

Allianz Going Above and Beyond As many of you know, nearly 6 months ago, we transitioned from Aetna International as our insurance partner because they were exiting the international private medical insurance industry.  We are pleased to report that our overall...

Allianz Transition News

Allianz Transition News

Over the past 31 years, Talent Trust has partnered with several insurance partners to provide the unique services that our members need. We do not sell our partners’ products, but we partner with them to create unique solutions for our members serving around the...

2022 Renewal Update

2022 Renewal Update

The History of Our PremiumsYear on year, most people are used to seeing regular increases in their insurance premiums.  It is usually a very rare, but pleasant, surprise when you get a renewal notice saying that your rates haven’t changed. For many years we were no...