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Reliant allows international missionaries to electively Opt Out of Reliant’s International Health Insurance Group Coverage Plan when they need or wish to be covered by National Health Care plans provided in the country of missionary service.  This This page outlines requirements and considerations related to Opting Out of Reliant's coverage.

Reliant understands that some nations abroad require residents to participate in the locally provided National Health Care plan.  Reliant Reliant also understands that the costs of maintaining both health plan coverages may be burdensome from an ongoing MTD fundraising perspective. ( Though MTD burden alone is not sufficient reason to choose to Opt Out.)  

Most US citizens prefer to be treated in the US if a catastrophic illness occurs.   Therefore, Reliant only recommends Opting Out of our International Health Insurance Plan when the missionary is ready to be cared for exclusively by the National Health Care system where they reside.   Instead Reliant recommends that a missionary  consider consider carrying both coverages.  It It is fully allowable and advisable to be covered by both plans.  

Missionaries need to carefully research what is provided in the national plan of the country where they reside.  Many Many national health plans require some payment for the covered services.  They They typically have extreme limitations on what can be provide outside of the country. 

International Missionaries are only allowed to opt out of Reliant’s International Health Insurance plans (medical and dental coverage) AFTER they enroll in and are ACCEPTED by the National Government Healthcare provided by the host foreign country where the missionary is serving.   AlsoAlso, Reliant CANNOT be held responsible for any gap in health an dental coverage that results from the missionary’s personal decision to opt out of the Reliant provided international medical and dental insurance. Financially, for any coverage gap that results, the missionary will be 100 percent financial responsible to cover this.

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• Missionary must sign a legal waiver that states they are willing electing to opt out of (or waive) Reliant provided International Health Insurance Plan and are choosing to be 100 percent covered by the national government health plan of the host foreign country where they are serving.
• Missionary must provide Reliant with adequate and official proof of their national health plan coverage before their waiver can be approved. Until final approval is given, the missionary will continue to be covered under the Reliant group health plan.
• The missionary accepts 100 percent financial responsibility for their medical expenses not covered by the government national health plan they are enrolling in. So the missionary should make this decision to opt out with very careful thought, prayer, counsel and serious consideration.
• The missionary will be 100 percent responsible for securing any supplemental health insurance needed for their stateside furlough period and for any travel conducted outside of their host country. The missionary will NOT be eligible to enroll back into Reliant coverage simply for any stateside two to three month furlough period.
• Once the missionary elects to opt out of Reliant coverage, they will only be allowed to Opt In again during annual open enrollment periods.  The The missionary will thereafter remain on Reliant coverage   (thus, no second Opt-Out waiver will be approved).

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Reliant missionaries may add the monthly cost of National Health Care premiums to their monthly salary goals.   This will be done as follows: 

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• They will be covered by Reliant’s global coverage until the missionary provides the Opt Out Request form and proof of National Health Coverage to Reliant.  
• The missionary needs to research to see if they qualify for the national health plan of their host country.
• The missionary needs to research the national health plan & compare it to Reliant’s Coverage Plan Benefits.
• The missionary should understand clearly what  the the national health plan does and does not cover when traveling outside their host country.
• They should discuss this important decision with their family, supervisor and other missionaries before making any final decision. 

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Missionary must first confirm that they are eligible for host country national health coverage, enroll and receive proof of coverage.   (Often this involves a page being added in a passport, or other identification cards.) 

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