Clements
Since 1947, Clements Worldwide has been providing innovative insurance solutions to the expatriate community. The programs are designed in direct response to the company's experience and the feedback received from clients worldwide. With a reputation for unparalleled customer service and customer-friendly claims handling, Clements is the preferred insurance provider of professionals living and working abroad.
Program Highlights
- Worldwide coverage- $5 million in healthcare benefits
- Coverage for individuals and their families
- Flexible payment options and choice of deductible
- Interactive health and safety resources
GlobalCare
GlobalCare offers comprehensive dental and health coverage to expatriates and their families around the world.
GlobalCare® is available to professionals living outside of their home country on temporary or permanent assignment. Complete family coverage is available under this program, including coverage for local nationals and dependents who reside in their home country. If the principal applicant and spouse are both insured through the program, coverage for the first two dependents (between the ages of 14 days and 9 years) is provided free of charge.
Key GlobalCare features:
- Hospitalization, physician, surgeon, and specialist fees- Wellness benefit up to $250, including annual physical examination
- Out-patient prescription drugs
- Medical Emergency Transportation, Local Emergency Transportation, - and Emergency Family Reunion are covered expenses under all GlobalCare plans
- Maternity, pregnancy, or delivery after 10 months continuous coverage
- Chiropractor and physical therapy
- Psychiatric care
- Emergency dental treatment and dental procedures necessary to restore natural teeth lost or damaged in an accident
Choice of deductibles is offered starting from $250. Deductibles are stated on a calendar year basis. All plans carry a $250 deductible per hospital admission outside of the PPN. If the principal applicant and spouse are both insured through the program, coverage for the first two children (between the ages of 14 days and 9 years) is provided free of charge.
Globalcare Plus
GlobalCare® Plus extends your coverage, allowing you to choose any country worldwide (including the United States) for treatment. The choice is yours, not the insurance company’s.
Locations
The program is available in 170 countries worldwide. Specific coverage varies depending on the local requirements and laws in your host country.
Additional services
Interactive Health & Safety Resources
As a complimentary benefit, customers have access to a suite of interactive resources to help relieve the frustration often felt while seeking and receiving medical care abroad, including:
- International Physician Search
- Direct Payment Network
- Medical Translation Guides
- Health & Security Profiles
Optional Dental Coverage
In addition to medical coverage, GlobalCare® offers an optional annual policy to cover dental expenses. If dental insurance is selected, coverage for all family members is required.
Policy Term Deductible $100
Maximum Benefit $1,000
Covered expenses and co-payment schedule:
Preventative 100% (after deductible)
Basic Restorative 80% (after deductible)
Major Restorative* 50% (after deductible)
Accidental Death & Dismemberment (AD&D)
The program offers enrollees an optional extension of coverage that provides a financial sum should an accident or serious injury occur.
War & Terrorism Coverage
More information is available about extending your policy to include losses caused by war and terrorism.
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