GMMI international long term missionary insurance is excellent health designed for missionaries! It is long term career health insurance overseas that is designed for missionaries or those who work with humanitarian, NGOs, Nonprofits, churches, and faith-based organizations. In fact, GMMI actually stands for Global Mission Medical Insurance, which means they have the faith-based community’s well-being and finances in mind! The GMMI are actually a set of four levels of coverage, which are the Bronze, Silver, Gold, and Platinum. The Bronze and Silver are economy plans, the Gold is the high coverage, and the Platinum is the top of the line protection in missionary insurance. I will talk about the plans in general, and then get more specific into each level of coverage. Let me tell you about one of our best, most affordable missionary insurance plans!
The GMMI Plans: Overall these missionary insurance plans are designed to cover you throughout the world, though they do offer an option to have coverage everywhere except the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Of course, without coverage in those countries, your premium will be much cheaper. Many of our clients who use this coverage are residing long term in countries away from their birthplace and nation. This is exactly how the plan is designed to work. For U.S. citizens, or anyone else spending time in the U.S., there is a limit of up to six months of coverage in the U.S. per policy year. In the U.S., there is coinsurance after the deductible, so utilizing Network Providers is highly recommended.
The benefits included cover new injuries, new illnesses, hospitalizations, ICU, medical evacuations, emergency reunions, and return of mortal remains. The individual provisions, such as Emergency Evacuation and Return of Mortal Remains, have their own limits of coverage. General medical expenses are covered under the overall Maximum Limit.
Individual Benefits: The GMMI international missionary insurance plans have four levels of great health insurance overseas. Each level of coverage, going upward, will have lower caps on benefits, shorter waiting periods, more coverage and benefits (and slightly higher premiums). The medical Maximum Limit on the Silver is $5,000,000, although Medical Evacuation on the Silver is only $50,000. On the other plans, the Medical Evacuation is $250,000 and more. The Silver is not designed to cover expensive medical care, such as if you were receiving medical care in the U.S. Depending on the nature of the medical expenses, benefits could quickly be reached. Child Wellness is included on all the plans, which is basic preventative care for your children. One example would be an annual physical. Wellness for adults is on the Gold for those over age 30, with a waiting period of 12 months. On Platinum, Adult Wellness has a waiting period of six months and no age limit. For pre-existing conditions, if they are not excluded, there is a waiting period of 24 months on the Silver and Gold. On the Platinum, pre-existing conditions are covered as any other illness, if they aren’t excluded. Our recommendation is to apply for a free quote on a Gold plan as the GMMI is already a pretty affordable plan for missionaries and their families compared to most missionary insurance being offered on the internet. Then you can adjust up or down from there, after having some idea for your budget.
What you need to know
Pre-certification: When you have a medical emergency or operation, you must pre-certify with the insurance company. The term is known as “pre-certification.” Some examples of what you need to pre-certify for are: inpatient medical treatment or supplies, major operations, MRIs, CAT scans, and surgeries. If you or someone with you does not pre-certify, there will be a reduction in the benefits.
Medical Evacuation: Medical evacuation is very important for international travel. Even if there is a great hospital in your destination, they may not be able to handle certain medical conditions. If one of the specific conditions happened, you would need a medical evacuation to a nearby facility that can treat you. To reiterate, medical evacuations occur when there is a medical necessity that cannot be treated locally, and would result in loss of life or limb. You or someone with you needs to contact the insurance company if a medical evacuation is needed. The reason is because the company has all that is needed to arrange and evacuate you or your family member to the nearest place with adequate medical care. Otherwise, the entire evacuation and bill would be yours.
U.S. coverage: You have up to six months of coverage in the U.S. per policy year. At the start of the policy, you have up to 30 days of coverage in the U.S. before you have to leave. If at renewal you will not be spending at least six months of the next year outside the U.S., you are not eligible to renew.
A couple of our team members here actually went to the insurance company. There they were shown the emergency team and the process how they handle a medical evacuation. They were really impressed! We have worked with them for many years and we recommend many of their plans for our guests’ protection. It is wonderful to know that the GMMI international missionary insurance plans provide outstanding long term benefits, isn’t it! It is truly an honor to serve you as you serve around the world!
Good Neighbor Insurance provides international travel insurance to those traveling outside their country of resident/country of citizenship. Call one of our professional international travel insurance agents at 866-636-9100 or you may email us at firstname.lastname@example.org. Have an amazing and safe travels!