Insurance Plans & Products

Mission/Humanitarian work is rewarding and important—but it also exposes people to risk that traditional insurance isn’t designed to cover.

 

Individuals need insurance, for example, that protects against the steep cost of emergency evacuation.

 

Organizations not only have concerns for staff and volunteers but may also need protection from lawsuits that could be filed over the actions of mission trip participants.

 

Gallagher Charitable International Insurance Services specializes in insurance for international missionaries, missions sending and humanitarian relief agencies:

• We understand mission work.

 

• We provide a full line of products for individuals and organizations.

 

• We can customize plans for group needs.

 

 

Please contact us if you have questions or want more information.

 

TO CONTACT THE GALLAGHER CHARITABLE SALES TEAM

 

International Medical Insurance

International Medical Insurance

Designed for career or long-term assignments, products offer continuous coverage while overseas and back in the U.S on furlough or deputation. Policies are annually renewable, with higher deductible options and provisions for furlough time. We offer this long term coverage for singles, families and groups.

 

Sample insurance offerings include:

 

• A full range of benefits

 

• Deductible options

 

 

We offer a variety of plans through the following insurance providers:

 


International Medical Group
International Medical Group is a worldwide leader in designing, distributing and administering global health care benefits. IMG's international reputation for excellence has been established by providing medical and related insurance products to individuals, families and groups in more than 170 countries. Since 1990, IMG has served over 1,000,000 clients worldwide.

 

• Partner Link Plan(PLP Plus)

The PLP products address the medical insurance needs of US citizens and foreign nationals who need temporary medical insurance for church or mission related travel anywhere outside of their home country. Benefits include Emergency Medical Evacuation, Repatriation, and your choice of deductible and policy maximums.

Click here to receive Quote/Purchase Online

 

• Patriot International

Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Click here to receive Quote/Purchase Online

 

• Global Mission Medical (GMMI)

GMMI was designed specifically to provide a wide range of benefits to the career or long-term missionary and offer continuous coverage while overseas and back in the US while on furlough or deputation. GMMI provides US$5,000,000 of lifetime coverage with a full range of benefits and deductible options suited for individuals and families. The plan also offers two coverage options: (1) continuous worldwide coverage both overseas and back in the USA or Canada while on furlough or deputation; or (2), worldwide coverage excluding the U.S. or Canada. Both options provide coverage 24 hours a day with the freedom to choose any doctor or hospital for treatment. However, if in the USA and using a PPO network provider, the deductible will be reduced by 50% and any coinsurance is waived.

Click here to receive Quote/Purchase Online

 

Plan Underwriter: Sirius International Insurance Corporation
A.M. Best Rating: A
Admitted Status: Non-admitted



Azimuth Risk Solutions sm, LLC: (Azimuth) was formed by professionals with nearly 30 years in the international insurance industry to provide simply the finest value in product offering, service, administration and support after the sale of international health, travel and life insurance products.

 

• Beacon Series

International Travel Medical Insurance for travel lasting from 5 days up to 24 months.

Click here to receive Quote/Purchase Online

 

• Meridian Series

International Major Medical Insurance which provides access to private medical care worldwide. Three choices are available: Basic, Enhanced or Clear.

- Meridian Basic and Meridian Enhanced

Click here to receive Quote/Purchase Online

- Meridian Clear

Click here to receive Quote/Purchase Online

 

Plan Underwriter: Lloyd's London
A.M. Best Rating: A
Admitted Status: Non-admitted



GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. Setting the industry standard, GeoBlue combines the latest mobile technology and worldwide healthcare expertise to deliver global medical assistance and health benefits that put the health, safety and convenience of world travelers first. GeoBlue's innovative approach opens the door to an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world. The scope of GeoBlue's services and technology create a complete, reliable, convenient way to keep international travelers and expats healthy and productive.

 

• Voyager

Travel medical plan designed to cover missionaries, leisure and business travelers for trips up to 6 months. High medical and medical evacuation limits available.

Click here to receive Quote/Purchase Online

 

• Student Health Insurance

Affordable short and long term plans for students and faculty traveling abroad.

Click here to receive Quote/Purchase Online

 

• Navigator Plan

An affordable international major medical plan designed for career missionaries. Global Navigator offers worldwide coverage, including inside the US, an unlimited lifetime maximum, and is annually renewable.

Click here to receive Quote/Purchase Online

 

• The Expat Plan

The most comprehensive international major medical plan available today. The plan provides full preventive care, unlimited office visits and more. If a customer only desires overseas coverage they can select the Global Citizen EXP option.

Click here to receive Quote/Purchase Online

 

Plan Underwriters: HM Life Insurance Company of Pittsburgh, PA
HM Life Insurance Company of New York, NY
UNICARE Life & Health


HCC Medical Insurance Services (formerly MultiNational Underwriters®) was established in 1998 in Indianapolis, IN. HCC Medical Insurance Services, LLC (HCCMIS) is a full service organization offering a comprehensive portfolio of international group health, domestic short term and travel medical insurance products designed to address the insurance needs of travelers worldwide.

 

 • Atlas: Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you're looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.

Click here to receive Quote/Purchase Online

 

Atlas Group: Atlas Group travel insurance is tailored for groups of 5 or more U.S. and non-U.S. Citizens traveling outside their home country for 5 days or more. This plan is appropriate for missionaries, students and business executives. It features medical coverage, emergency medical evacuation, and repartriation of remains. 

Click here to receive Quote/Purchase Online

 

Plan Underwriter: Lloyds London
A.M. Best Rating: A+ (Superior)
Admitted Status: Non-admitted

 


Cigna

One decision could make your life – and your employees’ lives – much easier. By choosing Cigna for your international health benefits, they’ll be happier and healthier.

 

Our focus has always been to facilitate ease of access to quality care around the world. As an organization dedicated to the needs of international employers and their globally mobile workforce, our activities are motivated by a key objective — protecting your overseas investment in your workforce by keeping expatriates healthy while on assignment and enhancing the expatriate experience.

 

Cigna recognizes that there is a direct relationship between absenteeism and ease of access to quality care. Accessing health care abroad is often challenging. Our health care model guides members and promotes access to quality care. We also protect your return on investment through proactive medical management and administrative simplicity.

 

Learn more about how Cigna Global Health Benefits can help your organization.

 


MetLife

MetLife Expatriate Benefitssm offers a benefits product portfolio developed specifically for globally mobile employees. Group medical, dental, life, accidental death and dismemberment, and long-term disability coverage can be offered with exceptional ease and efficiency. With world-class health benefits, services and a global network specifically designed to meet unique expat needs, expats and their families can stay healthier and more productive no matter where they work and live.

 

• A comprehensive range of products and services, which can be tailored and optimized for short-term and long-term assignments.

 

• A global provider network of quality providers in over 120 countries with cashless access to over 120,000 international providers, eliminating the need for paying out of pocket. Access to 95% of all doctors and 97% of all hospitals including more than 900,000 providers and over 5,500 hospitals and multi-specialty clinics within the U.S. Excellent track record of onboarding new, qualified providers at the expat’s request.

 

• Access to local expertise and cost savings through an industry-leading Regional Service Center (RSC) model – a fully-integrated model that can efficiently handle expats’ varied and complex healthcare needs.

 

• Access to MetLife’s regional and local legal resources to facilitate compliant benefit programs.

 

• Delivery excellence driven by MetLife’s customer-centric philosophy and its deeply personalized commitment to meet and exceed employer and plan member needs from implementation and beyond.

 

Expatriate medical benefits products are underwritten by Delaware American Life Insurance Company, a MetLife subsidiary, domiciled at 600 North King Street, Wilmington, DE 19801, and other affiliates. Coverage may not be available in all states.

 

MetLife, Inc. (NYSE: MET), is a leading global provider of insurance, annuities and employee benefits programs, serving 90 million customers in over 40 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East.

 

Plan Underwriters: Delaware American Life Insurance Company
A.M. Best Rating: A
Admitted Status: Admitted


U.S. Short TermTravel Insurance

Short Term Travel Insurance

We have designed a short term travel policy for groups serving within the USA and Canada. Many organizations have groups that engage in disaster relief work, evangelism, construction, medical missions etc. within these borders. The number of serious accidents being experienced present some real concerns therefore we designed a basic travel policy to shoulder some of that risk. This travel product is available through the Linking Arms Association and covers individuals and groups on short term trips. Coverage includes accidental death and dismemberment, paralysis and an accident medical expense benefit.

 

Please click here to view the list of coverages along with the rates.

 

Click here to enroll.

 

Life Insurance

We offer Term life insurance designed for individuals who need additional life insurance while physically residing and living outside the United States. We offer a 5-Year term policy with limits up to $250,000. Additional underwriting may be required for amounts between $250,000 to $500,000.

 

Click here to access coverage details and an application and when completed you will need to email your application to the address indicated on the application form.

 

Coverage is issued by Kiln Life Insurance Corporation. Upon receipt, your application will be reviewed by underwriting. Gallagher Charitable International Insurance Services will notify you of status and ask that you remit payment to us for the premium amount due if approved.

 

If both husband and wife want life insurance a separate application will be required for both. You may add your children using the Children's Insurance Rider Benefit. Gallagher Charitable International Insurance Services will notify you of the underwriter terms or if additional requirements are necessary. At that time you have the opportunity to decline, change the face amount, or accept. At time of acceptance by both the Underwriter and the applicant, payment will need to be sent before the actual Certificate of Life Insurance (policy) can be issued.

 

A Certificate of Life Insurance (policy) cannot be issued if you are currently residing in the United States. The effective date can be the date you depart the US for your overseas residency. Once the policy is issued, you may return to the USA for furlough or other reasons as long as you maintain the intent to return to an overseas assignment and maintain an overseas residence. If you do return to the USA permanently, this policy would end on the next renewal date as Kiln Life cannot or will not insure USA Citizens who are residing in the United States

 

PLEASE NOTE:

 

 

• THIS POLICY IS FOR LONG TERM CAREER MISSIONARIES AND CANNOT BE USED FOR SHORT TERM TRIPS

 

• YOU CAN PURCHASE THIS POLICY UP TO AGE 60

 

• THIS POLICY IS RENEWED EACH YEAR FOR THE NEXT 5 YEARS AT THE SAME PREMIUM. WHEN THAT TERM ENDS A NEW PREMIUM IS CALCULATED

 

• ELIGIBLE CHILD – NATURAL OR LEGALLY ADOPTED CHILD WHO IS AGED BETWEEN 15 DAYS AND 25 YEARS WHO RESIDES WITH YOU AND IS FINANCIALLY DEPENDENT UPON YOU.

 

 

For more detailed information, please email us at gallaghercharitable@ajg.com or phone 800.922.8438/803.758.1400

 

Crisis Management Services

red24

 

red24 is a worldwide security service to help members manage and avoid personal risk to themselves and their families.

red24 members can:

• receive personalized briefings

 

• access a member-only website

 

• get assistance online, by phone and by email 24 hours a day

 

Enhanced Services Including Security Evacuation

red24 memberships can be enhanced to include a red24alert, which provides all the services of red24 plus security evacuation. red24alert gives members and their family access to 24-hour physical response service to life-threatening situations anywhere in the world. All costs are paid for by red24.

 

Members have peace of mind, knowing that removal from a potentially life threatening situation is both planned and possible.

 

The crisis response team assesses each situation and can

• deploy a security specialist, if necessary

 

• assist in containing and managing the incident

 

• evacuate members to the nearest place of safety, at our discretion, or repatriate members to their country of permanent residence.

 

 

red24 Threat Forecast 2013

 

Case Study Honduras

 

2010-01 Case Study Haiti Earthquake

 

Response Flow Chart 1

 

red24 Plan Design

 

Please contact us to learn more about red24.

Medical Professional Liability Coverage

Medical missionaries and volunteer medical groups have asked us to provide medical professional liability coverage for them while they were overseas. We have encountered roadblocks to providing this coverage, including very high minimum premiums, limited coverage and lack of availability in many locations.

 

While we are not able to provide this coverage, we have found a provider for both short term and career medical missionaries and related medical personnel — International Helpers Trust

 

Volunteer Groups & Individuals (short term)

 

If you are eligible, coverage is provided for short term projects outside the U.S., ranging from $4.70 to $9.50 per day depending on medical specialty. Quotes are available from International Helpers Trust.

 

Individuals affiliated with non-profit and charitable organizations and groups sponsored by these organizations may participate. Physicians, surgeons, nurses and medical technicians may participate.

 

Groups & Individuals Permanently Stationed Abroad

 

Individual physicians, surgeons, nurses and medical technicians or groups stationed abroad for long periods may participate on an annual basis. Coverage costs from $700 to $1,800 per year, depending on specialty. Specific pricing is available from International Helpers Trust.

Personal Property Coverage

We have designed a personal insurance package specifically for expatriates living overseas; outside of their home country. These coverages are available only to Members of Organizations approved for this coverage.

 

This program provides insurance for your personal property. Additional optional coverages include personal liability, scheduled personal property and personal accident. This coverage is available for those maintaining an overseas residence.

 

Please click here to view the brochure and download application:

 

Personal Property

 

Rate Page

 

Personal Property Application

 

Trip Cancellation Coverage

 

This program protects your financial investment in a mission trip, if that trip must be canceled or ended early. For more information, click here.

 

Note: War or any act of war (whether declared or undeclared), civil disturbance, riot, or insurrection, or the threat of any of these, will not trigger coverage. Please contact us for clarification, if needed.

 

Download and print an enrollment form. Once we have received and approved this form, we will email you confirmation

Individual International Medical Insurance

Individual International Medical Insurance

 

Travel Medical Insurance (for medical limits higher than $10,000)

 

Short-term medical insurance needs for U.S citizens and foreign nationals traveling anywhere outside of their home country. Special pricing is available for groups of five or more.

 

Benefits include:

 

• Emergency Medical Evacuation

 

• Repatriation

 

• A choice of deductible and policy maximums

 


Supplemental Travel Insurance Policies:


International Medical Group

• Partner Link Plan(PLP Plus)

The PLP products address the medical insurance needs of US citizens and foreign nationals who need temporary medical insurance for church or mission related travel anywhere outside of their home country. Benefits include Emergency Medical Evacuation, Repatriation, and your choice of deductible and policy maximums.

Click here to receive Quote/Purchase Online

 


International Medical Group

• Patriot International

Addresses the insurance needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Click here to receive Quote/Purchase Online

 


• Beacon Series

International Travel Medical Insurance for travel lasting from 5 days up to 24 months.

Click here to receive Quote/Purchase Online

 


• Voyager

Travel medical plan designed to cover missionaries, leisure and business travelers for trips up to 6 months. High medical and medical evacuation limits available.

Click here to receive Quote/Purchase Online

 


• Student Health Insurance

Affordable short and long term plans for students and faculty traveling abroad.

Click here to receive Quote/Purchase Online

 


• Atlas

Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you're looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.

Click here to receive Quote/Purchase Online

 


International Long-term Medical Insurance:


International Medical Group

• Global Mission Medical Insurance(GMMI)

GMMI was designed specifically to provide a wide range of benefits to the career or long-term missionary and offer continuous coverage while overseas and back in the US while on furlough or deputation. GMMI provides US$5,000,000 of lifetime coverage with a full range of benefits and deductible options suited for individuals and families. The plan also offers two coverage options: (1) continuous worldwide coverage both overseas and back in the USA or Canada while on furlough or deputation; or (2), worldwide coverage excluding the U.S. or Canada. Both options provide coverage 24 hours a day with the freedom to choose any doctor or hospital for treatment. However, if in the USA and using a PPO network provider, the deductible will be reduced by 50% and any coinsurance is waived.

Click here to receive Quote/Purchase Online

 


• Meridian Series

International Major Medical Insurance which provides access to private medical care worldwide. Three choices are available: Basic, Enhanced or Clear.

- Meridian Basic and Meridian Enhanced: Click here to receive Quote/Purchase Online

- Meridian Clear: Click here to receive Quote/Purchase Online

 


• Navigator Plan

An affordable international major medical plan designed for career missionaries. Global Navigator is HIPAA compliant and offers coverage in and out of the U.S., up to a $5,000,000 limit and is annually renewable.

Click here to receive Quote/Purchase Online

 


• The Expat Plan

The most comprehensive international major medical plan available today. The plan provides full preventive care, unlimited office visits and more. If a customer only desires overseas coverage they can select the Global Citizen EXP option.

Click here to receive Quote/Purchase Online

 


U.S. Medical Insurance

• HCC Life STM

HCC Life STM is an appropriate solution for individuals in need of temporary US medical coverage. HCC Life STM is a short-term medical insurance plan that protects against unforeseen accidents and sicknesses, available to individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. STM Complete is available in some states.

Click here to receive Quote/Purchase Online

 

• eHealthInsurance

eHealthInsurance provides options for US healthcare for those living in the US. Please click the link to review available plans, coverage summaries and to obtain quotes.

Click here to receive Quote/Purchase Online