Accident and Sickness Coverage for Volunteers
What could be worse than getting sick without proper insurance while you are away from home? The Seventh-day Adventist Church recognizes their responsibility to provide adequate coverage when they dispatch volunteer workers outside their home country. Because of our unique partnership with American International Group (AIG), ARM provides the volunteer with rapid 24-hour access to physicians, nurses, and hospitals in varied locations; providing multilingual assistance for the volunteer without sacrificing quality physician’s care.

With this coverage, employers can provide an AD &D benefit of up to $50,000, and a Medical Expense benefit of up to $50,000, along with other benefits. Accident and Sickness protection is required for the eligible volunteers when they do not have any applicable protection from accident and sickness otherwise.

This coverage is available for the following people performing mission support outside of their home countries. Please note that this coverage is not available in the United States. Click here for form.

•  Relief doctors, relief workers, relief missionaries
•  Student missionaries
•  Adventist Service Corp. workers
•  Volunteer workers
•  Mission support spouses and eligible dependent children

Campers' Insurance
Diving into clear blue waters, jet skiing on the lake, walking in the hushed forest, mastering the ropes course, enjoying a quiet evening campfire— these are the memories that children will treasure for a lifetime. We provide campers’ insurance so that camp staff can focus on strengthening the youth ministry experience of children.

International Campers
American International Group (AIG) underwrites the policy. Policy maximum benefits include a maximum of $2,000 AD & D, a maximum of $2,000 Accident Medical Expense, and other benefits. Click here for form.

North American Campers
The policy is underwritten by the Hartford. Policy maximum benefits include a maximum of $5,000 AD & D; a maximum of $3,500 Accident Medical Expense; a maximum of $35,000 Catastrophe; and a maximum of $1,000 optional Sickness Medical Expense. Click here for form.

Hospital Professional Liability
This insurance provides hospitals with coverage against claims for injury resulting from malpractice, professional errors, or mistakes by the hospital staff.

At this time coverage is only offered to our international institutions. One of the benefits these clients receive is a heightened awareness of the need to prevent losses in the first place.

Householders
This insurance covers the personal effects and property of employees and volunteers of the Seventh-day Adventist Church during their period of service overseas. The program provides coverage for both unscheduled personal effects, property, and scheduled personal property.

Commercial storage coverage is available upon request. Coverage is provided for unscheduled personal property, personal effects, and household goods that are stored in a U.S. or Canadian commercial warehouse while the insured or volunteer is living in a foreign country.

International Pathfinders
•  Learn Christian values
•  Develop self-discipline
•  Prepare for church and community responsibilities
•  Learn under the guidance and association of mature Christian Counselors
•  Cultivate courage, self-reliance, honesty, loyalty, and kindness
•  Learn what teamwork is all about
•  Grow in an atmosphere of love and acceptance
•  Make friends
•  Acquire hobbies and skills
•  Discover their world and themselves

Yes, these are the values that we would like Pathfinders to learn from their activities. Our task is to provide affordable coverage to the Seventh-day Adventist Church so the participants can enjoy safe and exciting adventures.

The coverage provides maximum benefits of $20,000 AD & D and $2,000 Accident Medical Benefit. Click here for form.

International Workers' Compensation
This insurance provides compensation for US Nationals, Third Country Nationals, and Local Nationals:

U.S. Nationals: Payment for all compensation and all benefits required of an employer under the workers compensation act of the state of Maryland.

Third Country Nationals: Payment for all compensation and all benefits required of an employer in the country of hire or country of origin.

Local Nationals: Compensation is provided for employers' liability only, except as insured under policies issued by the company in Bermuda, Guam and N. Marianas Islands.

Bermuda Nationals: Compensation is provided in accordance with statutory Bermuda workers compensation benefits.

Guam Nationals: Compensation is provided in accordance with statutory Guam workers compensation benefits.

N. Marianas Nationals: Compensation is provided in accordance with statutory N. Marianas Islands workers compensation benefits.

All other employees wherever hired: Employers' Liability Only. Spouses of U.S. National and Third Country National Employees and spouses of U.S. National and Third Country National Volunteers are afforded medical expenses. Individuals are considered to be in the course and scope of work related activities at all times except while covered under trip coverage.