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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 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 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 |
carrying both coverages. |
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 national health plans require some payment for the covered services. 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. Also, 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. The election will be given under the following circumstances
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The election will NOT be given under this circumstance
Salary increase allowed for national health care premiumsReliant 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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The missionary is making the decision to opt out 100 |
percent at their own risk. Thus, Reliant requires that any missionary decision to opt out of the Reliant International Health Insurance Plan be made very carefully, prayerfully and with much counsel. This decision may have significant consequences on a missionary’s health coverage and possibly their personal finances. Making the decision simply because it means less Reliant ministry MTD support to raise can be |
an extremely |
short-sighted reason and should NOT be made simply for that reason. Here are additional issues to be considered:
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If an international missionary desires to opt out of Reliant’s health plan and plans to enroll in their host country’s national health plan:
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Next steps for opting out of Reliant coverageMissionary 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.) Send the following to Reliant (email these to: international@reliant.org)
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Until final Reliant approval is given for opting out, the missionary will continue to be covered under Reliant’s International Health Plan. International Opt Out Request Form
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