Where can I get the most cost-effective health coverage for my team? What information is needed? How early do I have to submit the application? We get these questions over the phone almost every day.
We have several options for short-term team health insurance. If you are sending out ten or more teams per year, you can get a single per-day rate for all team members. We can get a per-day quote for you, but to do so we need to have the approximate numbers: the average age of the team members, the number of days the teams will be outside the USA, how many on each team, and the number of teams going per year.
We also have a good cost-effective plan for organizations sending out less than ten teams per year. The premium can be as low as $1.00 a day for a young person, but the premium increases with the age of the insured.
This plan requires just the name, date of birth, date leaving the USA, and date returning to the USA. All the application process can be handled online. To get further information, please visit our home page and click on “Short-term Team Overseas Health Insurance.”
Short-term team insurance
How many short-term teams go outside their home countries every year? One USA mission in 1996 sent at least 75,000 short-termers. Many sending churches and missions want coverage for these teams, coverage that includes medical evacuation insurance and catastrophic protection.
Several insurance companies are set up to cover teams, especially if there are a good number of teams being sent out in any given year. We have been able to write short-term team insurance coverage for as low as $1.10 a day per person. The variables of course determine the rate, e.g., average age of the team member, length of the trip, number in each team, number of teams sent in a year, maximum coverage, and deductible. One of the reasons missions and churches want coverage is because they don’t want to be libel for any injuries. Also, all are aware of the great cost of medical evacuation. The cost of medical evacuating someone back to their home country or to good medical care is generally somewhere between $25,000 to $75,000. If you send one or more teams and would like a quote on how much it would cost to cover your team, please contact us. You can also apply for short-term team coverage online at www.overseashealthinsurance.com
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