What time zone does your international medical insurance start and end? Yes, a very good question because each international insurance company is different. Most of our international medical insurance companies are headquartered in the U.S. But if you are on the West Coast does your policy start midnight PST or EST if your international medical insurance company is located on the East Coast?
What if you are overseas? Many of our overseas clients purchase our international career and travel medical insurance plans and have them start when they are outside the U.S. Does this mean that the hour their policy starts is when they are in the country they purchased, say Singapore, or at the headquarters of the international insurance company here in the U.S?
The reason why this should be a concern is because the effective date is as important as your expiration date. Take the GMMI Long-Term Missionary Insurance plan at https://www.goodmissionaryinsurance.com/gmmi-career-long-term-insurance-plans/. Here is a question we presented to IMG via one of our clients.
Question: I have a question about effective dates on travel and career insurance policies for IMG. With time differences, a person can have an effective date of February 12 and it would be February 12 where they are, but still only February 11 in Indianapolis. If they were to call in needing an evacuation or to pre-certify, would they be told they aren’t covered? Or does IMG take into account the time difference?
Answer: The time that is used to determine effective and expiration date is Eastern Standard Time (U.S.).
Every international insurance company is different. So check before you purchase your overseas medical insurance policy. Of course, the percentage of something happening at the eleventh hour will be slim. But then again, bad things do happen to good people.
One of our best international career insurance plans is the GMMI plan located here at https://www.goodmissionaryinsurance.com/gmmi-career-long-term-insurance-plans/. GMMI Long-Term Missionary Insurance is loaded with superb international medical insurance benefits for those residing outside the U.S. for over a year.
Why do we recommend this overseas medical insurance investment to our clients?
- IMG created this Long-Term Missionary Insurance Plan specifically for missionaries/missionary families and non-profit charitable workers.
- This plan is the most flexible when renewing, even if in the U.S. or on missionary furlough.
- Allows up to 6 months per policy year in the U.S., if overseas residence is kept.
- IMG handles their own medical missionary evacuation in-house with doctors and nurses on staff to assist.
- Choose from five different options to fit your budget/missionary support-raising/specific agency or country needs.
- Good Neighbor Insurance’s Recommendation? ***** (five stars out of five)
Please call one of our licensed agents at Good Neighbor Insurance at 866-636-9100 or locally here in Arizona at 480-633-9500 with any questions. You may also reach us via email at . Have an amazing and safe travels as you serve others!