NRIOL.NET: Global Navigator Missionary Insurance

Global Navigator Missionary Insurance® is a worldwide health insurance for missionaries and volunteers. The plan meets the needs of missionaries by offering comprehensive worldwide benefits, inside and outside the US without the time limits, eligibility conditions and benefit exclusions common among traditional plans. Missionary or volunteer organizations can cover groups of any size with Global Navigator

Global Navigator Missionary insurance has a $5,000,000 lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation.

Global Navigator Missionary insurance offers a range of deductible options from $250 to $5,000. Deductible is waived for office visits with contracted physicians.

Outside the U.S. and Canada:
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

In USA
For the Certificate Period, Underwriters will pay 80% in network and 60% outside of network for the Eligible Expenses up to the out of pocket maximum limit and then up to 100% after the Deductible.

Missionary groups and NGO’s can cover teams of any size with a group plan and designs can be customized.

Global Navigator Missionary is annually renewable and coverage is continuous when renewed.

Global Navigator Missionary is underwritten by UniCare Life & Health, a WellPoint Company; HM Life Insurance Company of New York, NY and HM Life Insurance Company of Pittsburg, PA

All Global Navigator Missionary plans are administered by HTH Worldwide.

Eligibility

The Eligible Member resides outside his/her Home Country or is scheduled to reside outside his/her Home Country for a period greater that 3 months. An Eligible Participant or an Eligible Dependent must meet all of the following requirements:

Missionary participants must be Citizen of the U.S. or permanent resident of the U.S. (as defined by the immigration code of the U.S.);
Marine participant’s Country of Assignment is other than the Eligible Participant’s Home Country;
under Age 75.

Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval.

Your coverage ends on the earlier of:

The last day of the month after the date the Insured Person is no longer eligible;
The end of the last period for which premium has been paid;
The date the Policy terminates;
The date the Lifetime Maximum Benefit of the Plan has been exhausted;
The date of fraud or misrepresentation of a material fact by the Insured Person, except as indicated in the Time Limit on Certain Defenses provision.

Plan Benefits

The Global Citizen health plan offers a broad range of benefits including:

Physician Office Visits.
Child Immunizations, Lab and X-rays
Routine Pap Smears and annual mammogram
One Routine Physical Per Year
Surgery, anesthesia & radiation therapy
Organ/Tissue Transplant
Accidental Dental
Maternity benefits after 12 months of continuous coverage (at the time of renewal you can opt for maternity coverage if you are not pregnant at the time)

Remarks

PPO Network: Outside the US the plan does not follow a network. You can go to any hospital or doctor. Within the US members have access to a contracted nationwide Aetna network of over 700,000 preferred providers.
Renewal: Global Navigator Missionary is renewable up to age 74. Policies are renewed at prevailing rates based on age and residence. Your personal health history will not determine the renewal rate.
Cancellation: Additional cancellation surcharges will apply if cancelled prior to the annual renewal.