This section has information about the various UK insurance schemes that are tailored for Christian workers and those on mission trips.
Global or Local Insurance?
Some long term missionaries have found it better to get insurance locally when they're on the field. It's usually cheaper and specifically covers that country. Then they get short-term insurance whenever they travel outside that country (like for holidays or home assignment).
Advice on specific insurance issues
OSCARactive, our online community, has a group called 'Insurance for Mission' set up to offer advice to anyone with specific questions about insurance.
European health insurance card
Some medical cover in the EEA or Switzerland can be obtained with a European health insurance card. This replaces the old E111 form. One important thing to remember is that the EIHC will not cover the cost of getting you home if you are seriously ill or injured.
It's worth noting that some other countries (most notably Australia, Barbados, Czech Republic and New Zealand) have a 'reciprocal agreement' with the UK which gives you the right to the same medical treatment that citizens of these countries receive. For more information, see Medical Facilities and Doctors.
Significant issues remain even if you have insurance
Note: Many insurers have excluded cover for COVID-19. Please check to see what cover you have.
Even if your insurance plan does include cover for COVID-19, there remain significant practical issues when delivering medical treatment globally. Please research the situation wherever you...
A Summary of the Changes to NHS Entitlement for Mission Workers
Historically the British government provided an exemption for missionaries working for charitable organisations that allowed them to have full access to NHS healthcare regardless of their residency status or how long they remained overseas. Unfortunately this changed in England...
Around half of the UK population have Life Insurance. Do you know what happens to this when you go overseas, whether for a few weeks or a few years? Are you still covered?
Insurance companies have a reputation for resisting claims for payments and for UK expats some of...
A lesson about medical insurance
The mission had great plans; to buy property for housing students whilst preparing them for local missions; to equip a mobile trailer with all the electronic gear necessary to power up a worship team, so they could reach out to the young street kids that would...
The NHS (Charges to Overseas Visitors) Regulations 2015 came into effect on 6 April 2015 and have implications for access to free secondary NHS healthcare in England for missionaries. OSCAR has surveyed many of the insurance providers to see if they have insurance products that might cover the gap for...