Alpha Plan Coverage and Plan Details
Designed for missionaries serving more than one year, who don’t need cover within the USA.
Annual Maximum
$1,000,000
Emergency Evacuation
$1,000,000
Outpatient Deductible
$100
Lifetime Cap
None ✓
Plan Coverage Summary
The Talent Trust Alpha Plan is an international private medical insurance plan designed for missionaries serving one year or longer who do not require primary coverage within the United States.
Annual Maximum Limit: $1,000,000 per insured person (no lifetime limit) Outpatient Deductible (Excess): $100 per medical condition (no excess for inpatient or day-patient treatment) Emergency Medical Evacuation: $1,000,000 (no lifetime limit)
Core Medical Benefits
- Inpatient & day-patient hospitalization
- Outpatient treatment, including specialist consultations and nursing fees
- Surgery and associated medical facility fees
- ICU care
- Emergency room and urgent care treatment
- Prescription medications and dressings
- Diagnostic procedures: labs, ultrasounds, MRI, CT scans, X-rays
- Cancer treatment
- Physiotherapy / occupational therapy — 20 sessions per condition
- Rehabilitation — 120 days per medical condition
- Reconstructive surgery
- Alternative treatments (chiropractic, osteopathy, homeopathy, podiatry, acupuncture) — 20 sessions per condition
- Traditional Chinese medicine
- Psychiatric treatment — Inpatient up to $5,000 (30-day limit); Outpatient up to $5,000
- Ongoing chronic condition management — up to $3,000
- Annual wellness check-up — $400/person (20% co-insurance)
- Home nursing — 30 days per condition
- Convalescent care — 30 days per event
- Hospice care — costs incurred in first 30 days
- Hospital cash benefit — $125/night, up to 20 nights
Pregnancy & Family Benefits
- Complications of pregnancy — covered (10-month waiting period)
- Normal pregnancy & childbirth — available as an add-on option (10-month waiting period)
- Newborn hospital accommodation (to accompany a mother receiving inpatient treatment) — included
- Parent hospital accommodation (to accompany a child receiving inpatient treatment) — included
- Congenital anomalies — up to $100,000 per medical condition
- Infertility treatment (after 2 years) — up to $2,500 per lifetime
- Hormone replacement therapy — 3 months per lifetime
Additional Benefits
- Local ground ambulance — up to $1,500 per event
- Auto and motorcycle accident coverage — included
- Organ transplant — up to $250,000 per lifetime
- Burial / cremation / return of mortal remains — up to $15,000 per person
- Accidental damage to teeth — up to $2,500
- Surgical extraction of teeth — up to $2,500
- Pandemic coverage, including COVID vaccinations up to $250
- Terrorism medical coverage
- Free 24/7 telemedicine / video consultations — unlimited use
USA Coverage Note
Alpha provides coverage in the USA at a 20% co-insurance rate (you pay the first 20% of costs, up to $5,000 per person per year). Hospital access in the USA uses the Aetna PPO network; all other countries are unrestricted. Alpha is not recommended as a primary plan for US citizens or those who need frequent US coverage — see the Omega Plan for that need.
Coverage amounts may vary. Please review the full policy certificate for complete details.
Key Benefits
What Sets the Alpha Plan Apart
$1,000,000 Annual Maximum — No Lifetime Cap You're protected up to $1,000,000 every policy year, and that limit resets each year. There's no ceiling on how much the plan will pay over the course of your career.
Free 24/7 Telemedicine — Unlimited Use Connect with a licensed physician anywhere in the world, any time of day or night, at no extra cost. Ideal when quality local care is hours away.
Emergency Medical Evacuation Up to $1,000,000 If you need to be transported to the nearest appropriate medical facility — or returned home for treatment — you're covered for up to $1,000,000 in evacuation costs.
Home Country Coverage During Furlough When you return home to visit family, raise support, or receive medical treatment, your coverage follows you. Alpha covers treatment in your home country, making transitions between field and home seamless.
Pregnancy Complications — Included as Standard Complications of pregnancy are covered from day one (subject to a 10-month waiting period). Normal pregnancy and childbirth coverage is available as an optional add-on.
No Claims Bonus Stay healthy, and Talent Trust rewards you for it. Members can earn up to 50% off their annual premium through the No Claims Bonus program — a meaningful savings that compounds over years of healthy service.
The TT YouPayNothing Card A digital pre-approval payment card for health expenses. Get pre-authorized for your treatment before you go, and pay directly — no large out-of-pocket payments upfront, no waiting for reimbursement.
TT Mercy Fund Talent Trust tithes 10% of its income into a discretionary Mercy Fund to help cover costs that fall outside the scope of the insurance policy. It's a safety net for situations that don't fit neatly into a benefits schedule.
Referral Bonus Program When you refer a friend or colleague to Talent Trust, you earn a bonus. It's their way of investing in their members rather than advertising campaigns.
Who This Plan is For
The Talent Trust Alpha Plan is built for a very specific group of people — and if you're in that group, it's one of the most comprehensive options available anywhere.
This plan is a strong fit if you:
- Are a missionary, church planter, or faith-based worker planning to serve abroad for one year or longer
- Do not need primary coverage within the United States (or are comfortable with limited US coverage at a co-insurance rate)
- Are serving in a country other than your home country
- Want more than just insurance — including personal support, wellness resources, and a dedicated team member
This plan may not be the right fit if you:
- Are a US citizen who expects to receive most of your medical care in the United States → See the Omega Plan
- Are planning a short-term trip of less than one year → See our Mission Trip Insurance options
- Live and work primarily in a high-cost restricted territory (EU, UK, Australia, Japan, UAE, etc.) without needing the Restricted Territories option
Family Coverage The Alpha Plan covers entire families. Children are included, and family-specific benefits like newborn accommodation, congenital anomaly coverage, and well-child care are built in.
Not sure which plan is right for you? Contact us and we'll help you choose
Optional Add-Ons
The Alpha Plan can be personalized with the following optional benefits. All prices are in USD per year.
| Option | Key Details | Price |
|---|---|---|
| Normal Pregnancy & Childbirth | Covers labor, delivery, elective C-section after 10-month waiting period | From $696/policy |
| Dental | Check-ups, fillings, surgery, periodontics, orthodontics, prostheses | $367/person |
| Additional Chronic Conditions | Increases chronic condition limit from $3,000 to $50,000/year | $681/adult, $231/child |
| Vision Care | Annual exam + prescription eyewear up to $250/person | $78/person |
| Travel Insurance Add-On | Trip cancellation, baggage, personal money & passport | $30/person |
| Personal Accident | $100,000 lump sum for accidental death or permanent disability | $212/adult |
| Crisis Assistance Program (CAP) | Evacuation support for natural disasters, terrorism, kidnap, political instability | $90/adult, $75/child |
| Non-Emergency Travel | Economy-class travel to nearest medical facility for non-emergency care | 4% of total premium |
| Alpha Restricted Territories | Reduces premium 25% by capping coverage in high-cost countries (USA, EU, UK, Australia, etc.) | −25% of premium |
| Travel to Near Relative | Transport & accommodation to be with a critically ill or recently deceased relative | $384/policy |
Options must typically be applied to all dependents on the policy. Contact us for a personalized quote.
Member Benefits & Support Services
Talent Trust is more than an insurance company — it's a support organization built specifically for the missionary community. Every Alpha Plan member receives access to the following:
Your Dedicated Team Member Unlike most insurance companies, Talent Trust assigns you one specific person on their team. They know your policy, your situation, and your mission. When you have a question or a problem, you have someone to call who actually knows who you are.
TT Virtual Care Connect with an approved doctor 24/7 — by video or phone, wherever you are. Available globally and included at no extra cost.
TT Counseling Care Access qualified Christian or secular counselors at significantly reduced rates, either face-to-face or virtually. Supporting mental and emotional health in the field matters, and Talent Trust builds it into your plan.
RightNow Media A faith-based video library available to all members free of charge, with resources designed to help you grow personally, spiritually, and in leadership.
Thrive Together (Coaching) One-on-one coaching for navigating the unique challenges of missionary life — ministry transitions, language learning, support raising, re-entry culture shock, and more.
FiTT (Fitness in the Trenches) Practical tools to help you maintain your physical fitness on the field so you can bring your whole self to your calling.
TT Mercy Fund A discretionary fund, funded by 10% of Talent Trust's income, used to help members with needs that fall outside of what the insurance policy covers.
No Claims Bonus Earn up to 50% off your premium for years without claims. This reward is built into the plan from the start.
TT Referral Bonus Refer a friend to Talent Trust and receive a bonus. They believe in growing through relationships, not advertising.
Plan Documents
Review the complete policy details before you apply. We recommend downloading and reading the benefits schedule carefully, and reaching out to us with any questions.
Alpha Plan Medical Benefits Schedule
A full breakdown of every covered benefit, benefit limits, exclusions, and conditions. Download PDF
Coverage Questions? Our team is happy to walk you through the benefits and help you understand exactly what's covered before you commit.
How to File a Claim
Filing a claim with Talent Trust is straightforward. Here's what you need to know:
Before You Receive Treatment (When Possible)
For planned or non-emergency procedures, contact Talent Trust in advance. Pre-authorization can help avoid large out-of-pocket payments and ensures you're using a covered provider.
For Emergency Treatment
Seek care immediately. Save all documentation — itemized bills, physician reports, receipts, and any diagnosis codes. Submit these after the fact through the claims process.
TT YouPayNothing Card
If you have the YouPayNothing Card set up, you may be able to pay directly without out-of-pocket costs. Contact your Talent Trust team member to get this set up before you need it.
Submitting Your Claim
- Visit the Talent Trust claims page for current submission instructions and forms
- Claims are reviewed on a per-condition basis
- The $100 outpatient excess applies per medical condition (no excess for inpatient/day-patient care)
Emergency Assistance (24/7)
- If your Policy ID starts with P: Call +1 (877) 499-4809 (free via Viber or from the USA)
- If your Policy ID starts with 1: Call +1 (800) 495-5099 (free via Viber or from the USA)
Talent Trust Claims Page → https://www.talent-trust.com/claims/
Free Look Period
Reviewing Your Coverage After Purchase
Once you've enrolled in the Talent Trust Alpha Plan, you have a review period to carefully read through your policy documents and confirm the coverage meets your needs.
If after reviewing the policy you determine it is not the right fit, contact Talent Trust or ICI Traveler within the applicable review window to request a cancellation and refund.
We recommend using this time to:
- Review the full benefits schedule PDF
- Confirm that your home country and country of service are covered as expected
- Understand the $100 outpatient excess and how co-insurance applies in the USA
- Check any waiting periods (particularly the 10-month waiting period for pregnancy benefits)
- Confirm whether you need any optional add-ons (pregnancy, dental, chronic conditions, travel, etc.)
Have questions during your review period? Our team is here to help.
Includes a free look (review period) so you can purchase with confidence and review your coverage after checkout.