Yes. The new company will be subject to government regulation like other insurance companies.

In this first year, very little change in our pricing. We will continue to follow similar pricing principles we have used over the past 30+ years.

In future years, we anticipate that our costs will be lower, and we will not be driven by making profits. This will allow us to provide better pricing, but all future premiums will continue to be guided by member claims.

No, we are using similar network partners that both Allianz and Aetna have used historically to ensure that you can go to the same hospitals worldwide and won’t have to worry about paying before you are treated.

In addition, we will be launching a new membership card that will be a combined payment card that will allow us to enable members to use this card to pay directly for medical treatment.

We also have these resources:

• A video explaining how we are making this possible
• A ‘deep dive’ podcast discussion

If your policy started on or before 1 May 2025
Call +1 (877) 499 4809 (Allianz)
(Free on Viber or when calling from the USA)
 
If your policy started on or after 2 May 2025
Call +1 (800) 495 5099
(Free on Viber or when calling from the USA)

You can submit a claim electronically.

For more details on how to submit a claim please click here.

Members are required to obtain prior approval from your insurer 5-7 days, when possible, before commencing the following treatments or procedures:

a) Planned inpatient or daypatient treatment (hospitalization)
b) Any pregnancy or childbirth treatment
c) Planned surgery
d) Evacuation
e) Psychiatric treatment – inpatient, daypatient, and outpatient
f) Home nursing charges
g) Planned inpatient, day patient or outpatient MRI, CT & PET scans

Allianz

You can find more information on filing for a pre-approval here.

You can arrange pre-authorization for treatment by contacting the Allianz Member Services number +353 1907 5903 or +1 (877) 499-4809

If you are outside the USA, you can go to the hospital or doctor of your choice.

In the USA, you can seek treatment within Aetna’s Network of Approved Providers.

To verify eligibility call Global Excel +1 (800) 541 1983

Talent Trust policies come with resources to help you have the greatest impact in your calling. We understand that the challenges of mission life can limit the impact of a missionary’s ministry. We provide resources to stay physical, mental, and financially healthy, so you can thrive as long as needed in your calling.

You can see how these different resources can help you here.

For treatment within the United States, all eligible treatment received within Aetna’s Preferred Provider Network can be settled directly by Allianz partner Global Excel.

For treatment outside of the United States, all daypatient and inpatient treatment, as well as any outpatient treatment costing US$1,000 or more, can be settled directly by Allianz.

Please note that in some remote locations some medical providers may not accept direct settlement. However, Allianz has partners in most countries.

• Wellness benefits
• Vaccinations benefits
• Routine Dental option
• Vision Care option
• Travel option
• Extended Compassionate Travel option

You can also speak to Virtual Healthcare doctors and this does not affect your NCB.

Your Policy Legal Wording contains complete details on your covered benefits. This is emailed to you when you sign up and at your renewal. Please refer to this document for specific information about your benefits.
If you would like help determining what would be covered in a specific situation, please contact us, and we will be happy to go through this with you.

Yes, members are covered for COVID-19 treatment provided they did not have COVID19 before joining the policy, and they are not entering a country against a governmental or WHO (World Health Organization) travel ban. Our plans cover COVID19 medical treatment in full, including diagnostic tests, hospitalization, and ICU.

Please note our policies do not cover government-mandated testing or quarantine for travel purposes.

Yes, your policy will cover you when you are travelling. Please note that some of our policies have restrictions on where you are covered, and what you are covered for.

An excess is an amount a member pays for expenses before any benefits are paid by a policy. A policy excess is applied for each new medical condition. In the case of a condition that spans 2 or more policy years, the excess will only be applied once.

A deductible is applied once per policy year and will be applied for all bills that year. All claims that you make in a policy year will go towards meeting your deductible. An excess is applied against each medical condition. Each new condition will have its own excess that will need to be met before the policy will begin to cover expenses. In the case of a condition that spans 2 or more policy years, the excess will only be applied once.

In the event that a member broke their leg, all treatment associated with that broken leg, including setting the bone, putting the leg in a cast, doctors visits, rehabilitation, any medication for pain or infection, etc. would be classed as being associated with that one condition, and so one excess would be applied. The member would pay their excess, and the insurance would pay for all other subsequent eligible* treatment.

If the member subsequently had appendicitis and had to have his appendix removed, this would be classed as an unrelated condition to the broken leg, and all treatment associated with this condition would have a new excess applied to it, and once this was paid all eligible treatment would be covered by the policy**.
* as defined in the policy legal wording
** Note, treatment in the USA may incur an additional 20% co-insurance.

Standard benefits not subject to an excess or deductible:

a. Hospital Cash
b. Mortal Remains
c. Emergency Transportation
d. Evacuation
e. Evacuation & Additional Travel Expenses
f. Well-Child Care
g. Wellness Benefit

Optional benefits not subject to a policy excess or deductible:

a. Routine Dental Treatment,
b. Compassionate Travel
c. Vision Care

Co-insurance is a concept that US plans use where a member is required to pay a percentage of the cost of their treatment. Under the Omega policy, if a member requires treatment within the United States, they will be liable for 20% of medical charges after the excess when they seek treatment at an Aetna PPO medical facility. The co-insurance is generally limited, please see your policy wording for your co-insurance limit.

When not undertaken within the Aetna PPO network, treatment within the United States will be subject to a 40% co-insurance and will not be subject to the co-insurance limit.
Please refer to your policy for detail of when a co-insurance would apply.

Yes, Talent Trust only covers those in full-time church or mission service. We recognize that some people may travel to certain countries that require them to be there under an alternate capacity. You are eligible for cover as long as your primary reason for relocating is to let people know about Jesus.

No, we ask some basic medical questions, but no medical exam is necessary.

No, you are not limited to the amount of time you spend in your home country. Please note that some policies do have limits on cover in certain countries. We do not recommend that you use a policy that has limits on cover in your home country.