Volunteer programs

Insurance solutions for Volunteer programs

Your volunteers spend months abroad, living, working and traveling as part of local communities. Their coverage should support everyday healthcare as reliably as emergencies.

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Illustration of volunteers working together on a community project
Built for longer staysEveryday care and emergency support

Your responsibilities

What matters most in Volunteer programs

Volunteer programs ask for flexibility, independence and reliable long-term support. Coverage should protect participants during their assignments and throughout their time abroad.

  • 01Rich coverageDependable access to routine, preventive and long-term care with manageable out-of-pocket costs.
  • 02Emergency protectionEvacuation, repatriation and emergency assistance, also in regions with limited medical infrastructure.
  • 03Ongoing treatmentPre-existing conditions and ongoing treatment needs reviewed and customized where possible.
  • 04Beyond assignmentsSupport during excursions, transportation and personal travel outside the assignment.

Sample plan

How a Volunteer solution can be structured

An overview of a typical structure, based on our experience with Volunteer programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights11
  • Overall policy maximum between $100,000 and $2,000,000, available per illness or per injury
  • Programs with U.S. citizen participants may opt for Affordable Care Act compliant plans for expenses incurred in the U.S. during breaks and holidays
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care, with education on when it should be used
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (U.S. programs)
  • Preventive and routine care benefits
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Prescription drugs
  • Ambulance transportation
  • Coverage options for pre-existing conditions
Exclusion options4
  • Exclusions reviewed and customized based on destination, activities and participant profile
  • Coverage for regional travel and recreational activities adjusted to the program structure
  • Pre-existing condition limitations carefully reviewed for long-term participants
  • Additional customization for certain higher-risk activities
Emergency assistance services5
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit benefits
  • Family reunion or bedside visit benefits
Additional benefits4
  • Mental health and wellness program access, including crisis care (U.S. programs)
  • Telemedicine access
  • PPO network with direct billing for participants hosted in the U.S.
  • Claims administrator support in arranging direct payment for participants hosted outside the U.S., when necessary
Optional add-ons12
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up (U.S. programs)
  • Online pharmacy discount program (U.S. programs)
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
  • Terrorism coverage
  • Search and rescue
  • Political, security and natural disaster evacuation
  • Kidnap consultant fees
Program support and access4
  • Dedicated account manager to advocate for and assist volunteers
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Educational resources for participants and organizations

Let’s design the right coverage for your program

Tell us about your program and we’ll guide you through the next steps, whether you already have requirements or just want to explore options.

Request your customized plan or contact us