International Health Insurance for Missionaries
Expatriate Group provides international health insurance designed for missionaries working and living overseas, often in remote or under-served regions. We understand the challenges that come with long-term placements abroad, from limited local healthcare access to the need for emergency evacuation and ongoing medical support. Our cover helps ensure you can focus on your mission with confidence that appropriate care is available wherever you are based.
Health insurance for overseas missionaries
When you are based overseas as part of a mission, having international health insurance in place provides essential peace of mind that your healthcare needs are covered, wherever your work takes you.
Our international health insurance for missionaries is designed to support those serving in a wide range of environments, including remote or resource-limited locations. Cover can be tailored to suit your circumstances, to ensure you can access medical treatment, emergency care, and support services, so you can continue your work with confidence.
What is international health insurance for missionaries?
International health insurance for missionaries is designed to cover your medical and healthcare needs while you are living and working overseas, often in locations where access to reliable healthcare may be limited. With Expatriate Group, you can access private medical treatment for both routine care and unexpected illness or injury, wherever your placement takes you.
Our international health insurance for missionaries provides flexible cover and 24/7 support, helping you access appropriate healthcare services when you need them, so you can continue your work abroad with added security and peace of mind.
Do missionaries need health insurance when working overseas?
If you are living overseas as part of a mission, access to healthcare can vary widely depending on your location and the resources available locally. In some regions, medical facilities may be limited, and in others, you may need to travel long distances to receive treatment. In certain cases, organisations or visa requirements may also expect proof of suitable health insurance.
Even where healthcare is available, it may not always meet the standards or speed of access you would expect. Without appropriate cover, the cost of treatment, emergencies, or medical evacuation can quickly become significant. International health insurance helps provide access to the care you need, when you need it, wherever your work takes you.
Expatriate Group offers comprehensive international health insurance for missionaries working overseas providing flexibility and access to trusted healthcare services.
Why choose us
Why choose Expatriate Group for your international health insurance for missionaries?
Expatriate Group has extensive experience in providing international healthcare solutions, supporting missionaries working in a wide range of global locations. We understand the demands of overseas mission work and partner with trusted medical providers worldwide to help ensure access to appropriate, high-quality care when it is needed most.
Our emergency helpline is available 24 hours a day, seven days a week, 365 days a year. Support is accessible by phone, email, or online chat, with multilingual assistance available to help in urgent or challenging situations, wherever you are in the world.
Unlike some providers, Expatriate Group does not restrict you to a compulsory hospital network. This means you have the flexibility to choose healthcare providers that best suit your circumstances, whether that is based on location, specialist treatment needs, or the realities of working in more remote or underserved areas.
Policy Benefits
Benefits of health insurance for missionaries abroad
Working overseas in a mission role can place you in varied environments, from urban centres to remote or underserved regions. Having comprehensive international health insurance helps ensure access to reliable medical care for both routine treatment and unexpected emergencies, giving you peace of mind while you focus on your work.
Below are some of the benefits of our international health insurance for missionaries:
Private
hospital care
Including surgeries, specialist fees, anaesthetists, and intensive care
Prescribed medicines
and diagnostic tests
Covering MRIs, CAT, and PET scans
Accidental emergency
dental care
Covering treatment for unexpected dental injuries
GP and specialist
consultations
Including outpatient surgeries and chronic condition management
Emergency
medical transportation
Ensuring you reach the nearest appropriate medical facility when needed
Compassionate
travel
Contribution to travel costs so a family member can be with you if you have to stay in hospital
Insurance plans
What’s the best health insurance for missionaries?
Every missionary’s situation is different, and will vary depending on where you are based, the nature of your work, and the level of medical support available locally. At Expatriate Group, we offer a range of international health insurance plans designed to give you the flexibility to choose cover that meets your specific needs while you are living and working overseas.
Select
- Comprehensive plan
- Maternity care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.
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| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
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| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
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| Prescribed Medicine and Drugs | |
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| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Oncology/Cancer Treatment | |
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| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£75 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
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| Second Opinion for Surgery | |
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| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
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| Prescribed Medicine and Drugs | |
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Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
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| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
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| Local Ambulance | |
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| Expenses for accompanying Dependent | ||||
| Travel | |
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| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
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| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| Complications of Pregnancy | 100% | $/€/£5,000 | $/€/£5,000 | |
| Normal Delivery | $/€/£7,500* | |||
| Elective Caesarean Operation | $/€/£7,500* | |||
| Non-elective Caesarean Operation | $/€/£7,500* | |||
| Home Delivery | $/€/£7,500* | |||
| Home Nursing following Home Delivery | 5 days* | |||
| New Born Care | $/€/£25,000* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
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| Routine Dental Treatment | $/€/£750 | |||
| Basic Restorative Dental Treatment | $/€/£750 | |||
| Major Restorative Dental Treatment | $/€/£1,000 | |||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Optical Care | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
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| Cervical Smears | |
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| Mammograms | |
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| Prostate Cancer Screening | |
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| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
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