Global Navigator Insurance FAQ

The Global Navigator plan is available to both Career Missionaries and Maritime Crew Members. See the Eligibility page for details.

No, the quote you receive is not binding. The quote you receive may not apply if 1) you misstated a material fact on your application, or 2) we increase the rate due to your health status.

Policies for applicants residing outside the U.S. are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036. Please enter "20036" or "0" in the quoting tool if applying online while living outside the U.S.

The underwriting time frame depends on the medical history listed on the application. Turnaround can be as quick as one day or as long as one month. Our commitment is to respond to a submission in writing within 3 - 5 business days. This may mean that we send a request for additional information to the applicant, such as a specific medical questionnaire, or notify the applicant that they erroneously missed a question on the application form. Occasionally we have to obtain medical records from hospitals or providers. Our turnaround time in these situations will depend on how quickly the provider responds to our request.

If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.

You do not need to go through medical underwriting when you renew your existing policy without changes. You may be medically underwritten again if you decide to select different benefits (see below). Plan changes can only be requested at time of renewal.

If a member would like to increase benefits (by lowering a deductible) they must complete a new application. If a member would like to reduce their benefits, they do not need to complete a new application.

Out-of-pocket expenses are defined as the expenses a member incurs when satisfying the plan's deductible and coinsurance requirements. The deductible and coinsurance level varies based on where treatment is delivered as shown in the table below. The total annual out-of-pocket expense limit is calculated by adding the deductible and coinsurance maximum together. In this example, it is $3,250. Deductibles must be satisfied before any benefit is paid. Coinsurance is applied as a percentage of the payable medical charges. This percentage is only applied to care delivered inside the U.S. and varies depending on whether the care is delivered in-network or out-of-network.
Out of Pocket Expense Example
Member is covered under the Global Navigator 250 plan and receives services from an in-network hospital in the U.S.
Payable medical expenses are $20,000, the $250 deductible must be satisfied, and 20% coinsurance applies.
A member is only responsible for $2250 in out-of-pocket expenses. This is due to the fact that there is a Coinsurance cap of $2,000.