Volunteer Insurance
Explanation of Volunteer Travel Insurance
Maranatha mission projects are construction projects where people can get hurt. It is not possible for Maranatha to analyze everyone’s insurance policy to see whether his or her insurance is current and the coverage is in effect at the location of the project. The Maranatha Board of Directors decided that the safest route was to require everyone to purchase the insurance coverage through Maranatha’s carrier.
- The policy that covers volunteers depends on project location and the residency of the volunteer. Both policies are primary with no deductible. As with all insurances, some exclusions apply.
- For volunteers who are extending travel before or after a project, the insurance starts and ends on the advertised project dates, unless extended prior to the project through Maranatha.
- Maranatha does not carry or maintain general medical health, workers’ compensation, or disability insurance coverage for volunteers.
- Both policies also include a Travel Assistance Program.
Insurance for Domestic Projects
This accident insurance policy for volunteers participating on projects within their home country is brokered through AIG Insurance. Volunteers are covered from the time they depart for the project until they return home.
|
List of Benefits (accident only): |
Maximum Coverages: |
|---|---|
|
Medical Expenses |
$100,000 |
|
Dental Expenses |
$250 per tooth |
|
Emergency Medical Evacuation |
$1,000,000 |
|
Accidental Death or Dismemberment |
$75,000 |
|
Repatriation of Remains |
$1,000,000 |
Insurance for International Projects
This medical, accident, and travel insurance policy for volunteers participating on projects outside their home country is brokered through Chubb Insurance. Volunteers are covered from the time they leave their home country until they return to their home country.
|
List of Benefits: |
Maximum Coverages: |
|---|---|
|
Medical Expenses |
$100,000 |
|
Dental Expenses |
$250 |
|
Emergency Medical Evacuation |
100% of covered expenses |
|
Accidental Death or Dismemberment |
$75,000 |
|
Repatriation of Remains |
100% of covered expenses |
|
Trip Cancellation |
$1,000 |
|
Trip Delay |
$500 per day, $5,000 max |
|
Return Airfare |
$1,000 |
|
Lost Baggage |
$500 |
|
Security Evacuation |
$100,000 |