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How to Manage Mission Trip Risk via Travel Medical Insurance

When travel issues interrupt your mission trip, or a life-threatening injury demands immediate attention, how will you respond? Additionally, how will you address potential risks before they happen to help mitigate resulting costs?

Mission trips encompass a variety of unexpected situations that can be nearly impossible to prepare for. However, managing these unexpected risks doesn’t need to be complicated. With an Atlas Group plan, you’ll receive coverage specifically designed for groups of mission volunteers traveling to locations in need.

Weighing the Risks and the Benefits

When it comes to medical insurance for your mission group, it is essential to compare the potential risks with your insurance coverage options. Atlas Group can help manage the risk by covering a number of medical and travel expenses for groups of 5 or more individuals:

1) Medical Expenses and Emergency Medical Evacuation

Resources:

Risk

Possible Outcome

Atlas Group Insurance

INJURY OR ILLNESS
MEDICAL EXPENSES
COVERED
A mission volunteer from your group becomes sick/ injured unexpectedly and needs medical attention.  Illnesses/ injuries may result in an overnight stay at the hospital as the volunteer awaits results from diagnostic testing like an MRI or X-Ray. 

Both Atlas Travel and Atlas Group provide coverage for a number of medical costs, such as:

  • Hospital room and board
  • Intensive Care Unit
  • Local ambulance transport when hospitalized as an inpatient
See additional covered medical expenses for Atlas Travel and Atlas Group.
LIFE-THREATENING AILMENT
EMERGENCY EVACUATION
COVERED
The illness/injury becomes life threatening, and local medical facilities cannot provide the proper treatment.  The volunteer may need emergency air or ground transportation from the initial treating facility to the nearest hospital that can properly treat his or her injury or illness.

The Emergency Medical Evacuation benefit can pay for emergency air and ground transportation from an emergency facility to the nearest hospital that can properly treat your injury or illness (up to a $1,000,000 lifetime maximum).

Check out the Description of Coverage to understand everything Atlas Groups covers.


2) Political Evacuation, Terrorists Attacks, and Kidnapping Coverage

Resources:

Risk

Possible Outcome

Atlas Group Insurance

TRAVEL WARNING
POLITICAL EVACUATION
COVERED
A travel warning is issued for your destination after your mission group arrives.  When political and social upheavals threaten the national security of the country you’re visiting, you may need to travel to a safer location. However, last minute flight bookings and travel plans could mean extra costs.

A Political Evacuation benefit from Atlas Group can pay for transportation to the nearest safe country if a warning is issued after your arrival.

Stay up-to-date with current warning and alerts by visiting the U.S. Department of State here.
TERRORIST ATTACK
INJURY TREATMENT
COVERED
An unexpected terrorist attack injures several volunteers who need emergency medical attention. Unfortunately, some acts of terrorism can occur without warning, even in locations that are considered safe. Being caught in the cross fire can lead to serious injuries that may require surgery and various bodily casts.  Atlas Group also provides Terrorism coverage for injuries related to certain acts of terrorism in a country that has not been under a travel warning recently (in the 6 months prior to your date of arrival).
KIDNAPPING RECOVERY COVERED
The volunteers go into a town to explore, only to be caught in the middle of an express kidnapping. Express kidnappings are common in certain areas of the world, and kidnappers and muggers often target international visitors. In situations when common sense and extra precautions aren’t enough to keep you safe, you may find yourself at the wrong end of a ransom deal.

Atlas Group offers Crisis Response coverage to help pay for costs affiliated with ransoms and personal belongings surrendered during an express kidnapping.

This benefit gives you 24/7 access to the Response Operations Center and its experienced crisis response team.


3) Lost Checked Luggage, Flight Delay, and Trip Interruption

Resources:

Risk

Possible Outcome

Atlas Group Insurance

LOST CHECKED LUGGAGE
COVERED COSTS
COVERED
A few of the volunteers’ checked luggage is lost in transit to your destination. Attire for mission work and toiletries are among the most important items volunteers will need on the trip. Lost checked luggage will hinder your ability to fulfil the mission.  Although there's no way to fully prepare for accidents with lost checked luggage, you can receive up to $500 maximum, per person, to compensate for lost clothing and hygienic items – just in case the need arises. Items must have been lost for at least 10 days.
12+ HOUR DELAY ACCOMMODATIONS COVERED
Due to travel complications resulting from severe weather, your group’s flight is delayed over 12 hours. When an unexpected travel complication results in a last-minute overnight stay, costs for additional accommodations and food may not have been originally accounted for in the budget. Atlas Group’s Travel Delay benefit reimburses up to $100 a day for accommodations and meals when your delay requires an unplanned overnight stay.
DEATH OF A LOVED ONE
RETURN HOME
COVERED
Another volunteer receives news during the trip about her father’s death. Depending on where you are, finding a flight that can take her back home sooner than intended can be costly. Trip Interruption provides coverage for transporting you home after the death of an immediate family member. Costs for returning home after an emergency medical evacuation or after 40% of your house is destroyed (fire or weather related) can also be covered. 


4) Accidental Death & Dismemberment (AD&D) and Repatriation of Remains

Resources:

Risk

Possible Outcome

Atlas Group Insurance

LOSS OF LIMB(S)
DISMEMBERMENT COVERED
A serious accident leaves a volunteer so injured that a leg amputation is necessary.  Nothing can be certain, especially on a mission trip. Accidents can happen anytime and to anyone. Accidental Death and Dismemberment can provide coverage to help compensate for damages in the case of death or loss of limbs or eyes.
ACCIDENTAL DEATH RETURN OF REMAINS
COVERED
The volunteer passes away a few days later due to complications from the accident. While it’s unlikely you or someone in the group will perish during your trip, it’s important to have a plan to help mitigate additional costs burdened on their loved ones. The Repatriation of Remains benefit will cover the cost of transporting the individual’s bodily remains or ashes back to his or her principle residence. Additional benefits can be collected by the designated beneficiary.


Why Choose Atlas Group Insurance from Tokio Marine HCC – MIS Group?

  • Customizable Affordability: For mission leaders and organizations seeking an affordable plan, Atlas Group can provide medical coverage for your entire team. A 10% discount on Atlas Travel rates is included for missionary groups of five or more members. Customizable options are available and allow your group to modify a plan according to a specific budget. For example, your group can choose a number of maximum coverage amounts, up to a $1,000,000 limit.

  • Acceptance and Convenience: No health screenings are necessary. Atlas Group can be purchased online in a matter of minutes and policy documents will be sent to your inbox immediately.

  • Vast Network: With a wide provider network in over 130 countries and territories, you’ll have access to doctors and hospitals almost anywhere in the world. Learn more about the provider network here.

  • Travel Assistance: Tokio Marine HCC – MIS Group’s multilingual, travel assistance services are available 365 days a year. If you need additional travel assistance due to lost checked luggage, lost travel documents (passport, visa, airline documents, birth certificate, etc.), or a delayed flight, you can contact a Tokio Marine HCC – MIS Group representative any time. Check out the Customer Service Center here.

Ready to insure your group for your next mission trip?

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.