The Omega Plan
Designed for missionaries serving more than one year, includes full US cover.
Omega is an international Private Medical Insurance plan designed for missionaries. Members also have access to extra resources to stay physically, mentally, and financially healthy, so they can be their best and have the greatest impact in their calling.
Omega provides full coverage in a missionary’s home country should a member need to return home for treatment, or during times of furlough.
Note: Omega provides cover globally, including within the USA. It is ideal for long-term American missionaries or those spending part of their time in the States. If you are neither American nor require cover within the USA, then we recommend our Alpha Plan.
The Table of Benefits
| Benefit | Cover |
| Annual maximum limit per insured person | $1,000,000 (no lifetime limit) |
| Excess/Deductible options are based on claims Inside/Outside of the USA. They include: Excess- $400/$100, $800/$200, $2,000/$500, $4,000/$1,000 and $5,000/$100 Deductible- $1,600/$400 |
✔ |
| Emergency medical evacuation | $1,000,000 (no lifetime limit) |
| Video/Telemedicine Available globally. Free 24/7 Unlimited Use | ✔ |
| Pandemic cover – including COVID vaccinations of up to $250 | ✔ |
| Terrorism medical cover | ✔ |
| Medical practitioner, specialist consultation or nursing fees | ✔ |
| Prescription medication and dressings | ✔ |
| Physiotherapy or occupational therapy – 20 sessions, covered in full. A medical report will be required for more sessions | ✔ |
| Emergency treatment in a dedicated emergency room of a hospital or urgent care facility | ✔ |
| ICU cover $1,500/day up to 180 days | ✔ |
| Inpatient & day patient hospitalization covered in full | ✔ |
| Outpatient treatment covered in full | ✔ |
| Surgery and associated fees from medical practitioner and medical facility | ✔ |
|
Diagnostic and surgical procedures covered in full per examination including:
|
✔ |
| Cancer treatment | ✔ |
| Normal pregnancy (10-month waiting period) $10,000 per pregnancy with the Level 2, Hybrid & Deductible Plans. $25,000 per pregnancy with the Level 1 Plan. The Level 3 & Level 4 Plans do not include pregnancy cover. |
Additional option |
| Pregnancy complications (10-month waiting period) | ✔ |
| Annual wellness check-ups $400/person (20% co-insurance) | ✔ |
| Local ground ambulance $1,500 per event | ✔ |
| Auto or motorcycle accidents | ✔ |
| Burial / cremation / return of mortal remains $15,000 per person | ✔ |
| Organ transplant $250,000 per lifetime | ✔ |
| Congenital anomalies $100,000 per medical condition | ✔ |
| Newborn hospital accommodation – to accompany a mother who is receiving inpatient treatment | ✔ |
| Parent hospital accommodation – to accompany a child receiving inpatient treatment | ✔ |
| Traditional chinese medicine | ✔ |
| Reconstructive surgery | ✔ |
| Rehabilitation 120 days per medical condition | ✔ |
| Alternative treatments including a chiropractor, osteopath, homeopath, podiatrist or acupuncturist – 20 sessions covered in full. A medical report will be required for more sessions | ✔ |
| Psychiatric Treatment Inpatient: $5,000 with a 30-day limit. Outpatient: Limited to $5,000 | ✔ |
| Accidental damage to teeth $2,500 | ✔ |
| Surgical extraction of teeth $2,500 | ✔ |
| Treatment of acute medical conditions caused by chronic conditions | ✔ |
| Ongoing chronic conditions management $3,000 | ✔ |
| Hormone replacement therapy 3 months per lifetime | ✔ |
| Home nursing 30 days per medical condition | ✔ |
| Hospice care 30 days | ✔ |
| Convalescent care costs incurred in the first 30 days | ✔ |
| Hospital cash benefit $125/night up to 20 nights | ✔ |
| Choice of hospitals/doctors USA – Aetna PPO, Elsewhere – unrestricted | ✔ |
| 20% coinsurance applies in the USA only, up to $10,000/person | ✔ |
✔ Covered up to policy limit or limits indicated, excess/deductible and co-insurance where applicable.
No Claims Bonus
At Talent Trust, we reward our members for staying healthy, which helps us to keep our premiums down. See how you can save up to 50% of your premium.
Talent Trust Gives Back
Referral Program
Rather than spending lots of money on advertising campaigns to help others find our services, we prefer to give that money to our members when they tell their friends about what we do.
Our Team
It’s our privilege and joy to support missionaries with our unique service so that they can thrive in the field. Our team has unparalleled experience and knowledge, with a heart to serve.
myStrength
myStrength is an online tool, free with all of our policies, to help you live your best life. You will find help for stress, anxiety, chronic pain and more.
Mercy Fund
We know life can be complicated, so we tithe 10% of our income into a discretionary Mercy Fund to cover things that fall outside of the scope of our insurance policies.
Feel secure and protected with a Talent Trust Insurance Plan
These comprehensive services are included for free with our plans.
Designed with extra resources to stay physically, mentally, and financially healthy, so you can thrive as long as needed in your calling.
EAP Expat Assistance Program
Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.
No Claims Bonus
We reward our members for staying healthy, which helps us to keep our prices down.
RightNow Media
A faith-based video library designed to help you thrive in every area of life.
TT Gives Back
We support members and their missions by giving back a portion of our income
TT Mercy Fund
We tithe 10% of our income into a discretionary Mercy Fund to cover things that fall outside of scope of our insurance policies.
TT Referral Bonus
We reward our members when they tell their long-term friends about what we do.
Virtual Healthcare
Connect with an approved doctor 24×7. Whenever and wherever you need it.
SecuriTT
Global security advice, planning and alerting.
Your Team
Our mission is to support missionaries so they can thrive in the field. We offer more than a broker or a traditional insurance company.
At Talent Trust we want missionaries to be their best, so we provide resources that any missionary can access for free to help them and their ministry.
Thrive Together
Group coaching on topics such as navigating transitions, language learning, support raising, and more.
FiTT
Maintain and improve your fitness – so you can bring more of yourself to your ministry.
Click Here to See How Our Benefits Can Help You
Excess/Deductible Options
Everyone’s needs are different. We have a great insurance policy and then allow you to personalize it. We offer multiple levels of excess and deductible. These are the amounts paid before any benefits are paid by the policy. The higher your choice of excess or deductible the lower your premium. We also have other optional areas of coverage below.
Excess/Deductible Options
| Plan Type: Omega |
Excess or Deductible* |
Description | Premium |
| Omega Excess 800/200 | Excess Within USA $800 Overseas $200 |
Moderate excess option. Includes pregnancy benefit. Most popular for those requiring regular US cover. |
$$$$ |
| Omega Deductible 1600/400 | Deductible Within USA $1600 Overseas $400 |
Moderate deductible option. For Americans overseas, comprehensive protection against large medical bills. Includes pregnancy benefit. |
$$$$ |
| Omega Excess 5000/100 | Excess Within USA $5000 Overseas $100 |
High excess for treatment in the USA, with lowest excess for treatment outside of the USA. Includes pregnancy benefit. Most popular option for those not intending to travel to the USA. |
$$ |
Other levels of Excess/Cover that might suit your situation
| Omega Excess 400/100 | Excess Within USA $400 Overseas $100 |
Lowest excess option. Includes pregnancy benefit. |
$$$$$ |
| Omega Excess 2000/500 | Excess Within USA $2000 Overseas $500 |
Higher excess, no pregnancy benefit, lower premium. Cover for large medical bills. |
$$$ |
| Omega Excess 4000/1000 | Excess Within USA $4000 Overseas $1000 |
High excess, no pregnancy benefit, lowest premium. Protection from large medical bills. |
$ |
*Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied once per medical condition, per person. It is not reapplied the following year.
Deductible: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The deductible is applied per person, per year.
Additional Options
Everyone’s needs are different. We have an excellent insurance policy and then allow you to personalize it to your needs.
All prices are quoted in US$ per year.
Maternity Cover
This option covers pregnancy, childbirth, and elective cesarean sections, after the first ten months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition.
$10,000 maternity is included with:
• Omega Excess 800/200
• Omega Deductible 1600/400
• Omega Excess 5000/100
$25,000 maternity is included with:
• Omega Excess 400/100
Additional Chronic Conditions Cover
Cover includes check-ups associated with the chronic condition, drugs and dressing prescribed for the management of the chronic condition, hospital accommodation, nursing, surgery, and palliative treatment.
Cover under this option further includes medical expenses which arise from or are in any way related to Human Immunodeficiency Virus (HIV) and/or related HIV illnesses, including Acquired Immune Deficiency Syndrome (AIDS) or Aids Related Complex (ARC) and/or any mutant derivative or variations.
Expenses are limited to:
- Pre and post diagnosis consultations
- Routine check-ups for this condition
- Prescribed drugs and dressings (except experimental or investigational)
- Hospital accommodation and nursing fees
The cover is limited to new medical conditions that manifest after the purchase of this benefit.
Pricing: $1,136 per Adult and $385 per Child.
Note: This option is applied to all dependents on the policy.
Travel Insurance
A straightforward and effective travel insurance policy that works while you’re away from your home country and overseas country of residence. Please note that for children, this option is only necessary if the child travels alone.
Cancellation & Curtailment: Up to $1,500 for unused travel and accommodation costs, should you have to cancel or cut short your projected journey.
Luggage, Clothing & Personal Effects: Up to $1,000 for loss of, or stolen to, luggage, clothing and personal effects. $1,000 in respect of loss of, or stolen notebook computer and up to $300 for loss of or stolen camera or musical instrument.
Loss of luggage: We will pay $20 per kilogram of the luggage weight. Documentation of the carrier’s rejection of the claim for loss of luggage and proof of luggage weight is required when submitting a claim. Our liability for each claim shall be limited to $500.
Luggage Delay: Up to a maximum of US$100 for the essential items you need until your luggage arrives. Your luggage must be delayed for at least 12 hours after arrival and is only applicable for your outbound travel (not your return travel).
Personal Money & Passport: Up to $500 for the loss or stolen cash and passports.
Excess: $50 for each claim ($100 in the USA).
Territory: Worldwide, excluding a member’s Home Country and Normal Country of Residence.
Pricing: $30 per Person
*This option lasts for 12 months, and no refund is available in the event of policy cancellation.
Travel costs of insured members to be with a close relative who is at peril of death or who has died
This option provides cover for reasonable travel and accommodation for one insured person (together with any minors) per policy having to travel to and return from the normal Country of Domicile or Country of Residence when:
- A parent has unexpectedly suffered a life-threatening accident, life-threatening illness, or suffered sudden death from any condition (which did not pre-date the purchase date of this agreement). This covers $1,500 of the costs for travel and is limited to no more than two claims in any five years.
- A near relative is unexpectedly placed on the critical list following an accident. This covers $3,000 towards the cost of travel per incident.
Pricing: $384 per Policy
Personal Accident
1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following Accident
Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.
Pricing: $212 per Adult
*This option lasts for 12 months, and no refund is available in the event of policy cancellation.
Non-Emergency Travel
This option will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility, in the event that a member requires inpatient or day patient non-emergency treatment that is unavailable at the member’s current location. Subject to written agreement from us, and certified instructions from the attending medical practitioner or specialist including confirmation that the required treatment is unavailable at the place of incident. Limited to $500 per period of cover (subject to 20% coinsurance).
Emergency travel benefits are included as a standard benefit within the policy.
Note: The option, if purchased, must be applied to all dependents on the policy.
Pricing: The pricing is based on the premium rate for the Omega policy. You can simply get a quote to see the price. You will have the option to de-select before purchasing.
Dental
This Options Includes:
Dental treatment (80% refund) up to US$500
Dental surgery (80% refund) up to US $500
Periodontics (80% refund) up to US $500
Orthodontic treatment and dental prostheses (50% refund)( 10 month waiting period) up to US $2,000
Dental Treatment
An annual check-up, simple fillings related to cavities or decay, root canal treatment, and dental prescription drugs.
Dental Surgery
Surgical extraction of teeth, as well as other tooth-related surgical procedures such as apicoectomy and dental prescription drugs. All investigative procedures that establish the need for dental surgery such as laboratory tests, X-rays, CT scans and MRI(s) are included under this benefit.
Periodontics
Dental treatment related to gum disease.
Orthodontics
The use of devices to correct malocclusion (misalignment of your teeth and bite).
- Increased overjet > 6mm but <= 9 mm
- Reverse overjet > 3.5 mm with no masticatory or speech difficulties
- Anterior or posterior crossbites with > 2 mm discrepancy between the retruded contact position and intercuspal position
- Severe displacements of teeth > 4
- Extreme lateral or anterior open bites > 4 mm
- Increased and complete overbite with gingival or palatal trauma
- Less extensive hypodontia requiring pre-restorative orthodontics or orthodonticspace closure to obviate the need for a prosthesis
- Posterior lingual crossbite with no functional occlusal contact in one or more buccal segments
- Reverse overjet > 1 mm but < 3.5 mm with recorded masticatory and speech difficulties
- Partially erupted teeth, tipped and impacted against adjacent teeth
- Existing supernumerary teeth
Dental Prostheses
Crowns, inlays, onlays, adhesive reconstructions/restorations, bridges, dentures and implants as well as all necessary and ancillary treatment required.
Price $367 per person
This option must be applied to all dependents on the policy. The annual deductible or excess does not apply.
Cover is available after you’ve had 6 months of continuous cover from the date that this optional benefit was first included in your plan.
Vision Care
Applies to one eye exam and prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
Pricing: $78 per person.
Must be applied to all dependents on the policy.
Policy excess/deductible does not apply to this benefit. 50% coinsurance inside the USA and 20% coinsurance outside of the USA.
*This option lasts for 12 months, and no refund is available in the event of policy cancellation.
Crisis Assistance Program (CAP)
CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• Terrorism
• Kidnap
• Ransom
Along with 24/7 live support, the CAP Advantage App delivers real-time travel risk support to help members steer clear of security threats altogether.
Pricing for CAP is $90/year per adult and $75/year for each dependent child.
Travel to the following countries is not covered: Afghanistan, Libya, Iran, North Korea, Russia, Somalia, Sudan, Syria, Ukraine, Venezuela, and Yemen.
CAP does not provide evacuation services to members serving in countries where the member’s passport country advises against all travel, such as US Travel Advisory Level 4 countries for US citizens. If the member’s country does not have a formal travel advisory, the US travel advisory will be used. If the member is in a US Level 4 country (the travel advisory advises against all travel), they can only access the Crisis Response Center (CRC) to get advice on their situation.
*This option lasts for 12 months, and no refund is available in the event of policy cancellation.
Terms and More Info
Co-Insurance: For treatment received within the preferred provider network in the USA, members will be liable for the first 20% of any admissible cost up to an annual limit of $10,000 per insured person per period of cover and also, the first 20% of any admissible cost incurred for Well Child Care and Annual Wellness Check. The coinsurance is applied after any deduction for excess applicable to the policy.
The following benefits are not subject to an excess/deductible and coinsurance:
- Emergency Evacuation
- Mortal Remains
- Emergency Transportation
- Hospital Cash Benefit
The Complications of Pregnancy benefit is not subject to coinsurance.
The following benefits are not subject to an excess/deductible:
- Well Child Care
- Wellness Benefit