How important is it? Just a few months ago a short-term team was riding in the back of a truck in Honduras when the brakes went out. The truck rolled over. One USA team member, a dentist, was killed, and at least 12 were seriously injured. Because these teams had short-term team insurance, within 24 hours all of the seriously injured had been medical evacuated to the USA and were in USA hospitals.
The financial cost to a USA organization to evacuate that many people would have been enormous, besides the medical costs. Total costs certainly exceeded $200,000. Obviously, this organization was really thankful, especially since the short-term team insurance coverage they had purchased was only $1.73 per day per-team member.
We can insure your organization if the total team days outside the USA amounts to 700 days. Thus, if you have 7 teams with 10 members on each team spending at least 10 days outside the USA, we can provide you with a per-day annual quote. If you are interested, please send us the following information about your teams:
- Average number on each team
- A “ballpark guess” at the average age of the team members
- Average number of days the teams are out of the USA
- The number of teams your organization will be sending in the coming 12 months
We will then get you a per-day quote for your consideration. If you agree to the team quote, we will set up an online application site just for your organization.
Short-term teams need health insurance coverage
Will your American health insurance policy cover you during a short work trip outside the USA? Maybe partially, but generally not to the extent you expect or need. The small print on many policies excludes coverage outside the USA. And almost no domestic policies offer coverage for medical evacuation. The good news is that there are several companies offering short-term team coverage for as low as $1.10 per day. When the cost for an individual’s trip for a two-week work program outside the USA is often $1,500, it is good financial planning to add $20 to that cost to provide good health insurance coverage. Many groups, in the light of recent happenings, are making it mandatory that all team members have short-term health insurance before leaving for an overseas trip.
There are plans available that charge the same rate per day per participant. Other plans charge a per-day rate based on age. Good Neighbor Insurance would be happy to send you materials about health insurance coverage for short-term teams. If you are sending out more than ten teams a year, we can get you a per-day, per-participant quote which will provide the same rate for all ages. Please call or e-mail us for further information.
We work on keeping all information on this site relevant, and free from error.
The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.