Underwriter
Regulator
N/A A. M. Best Rating
20.6
BrokerFish Rating
Claria International Health Insurance

Claria is a USA administered expat medical insurer focusing on providing policies to those resident in countries with less expensive medical treatment costs. Claria underwrites applicants up front, often referencing medical files, which has the advantage of allowing you to know where you stand from day one.

People in general health and familiar with medical inflation will be attracted to Claria. If accepted by underwriting, you are likely to see several years of low medical inflation rates, and premium stability. US nationals resident in Central & South American and the Caribbean may also find Claria an interesting expat medical insurance solution.

Key Facts
  • Founded: 1998
  • HQ: USA
  • Support:
Eligibility
  • Min Entry Age: 0
  • Maximum Entry Age: 69
  • Policy Holder: Expatriate
Highlights
  • Low Medical Inflation
  • Full Medical Underwriting
  • 14 day money back guarantee
  • Easy claims process
  • Lifetime renewable
  • Apply online enabled
  • First 2 children under 11 go free
Claria Worldwide Plan Options

Claria offer added flexibility to your core products by allowing you to purchase optional extras or "riders". Maternity, Accidental Death and Dismemberment and USA cover for temporary trips are available for all four sub-products.

USA Cover
Maternity
Accidental Death & Dismemberment

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Claria Worldwide Member Services

Get access to a high quality range of services when you're most in need.

All Claria members receive access to a range of services including: 24/7/365 emergency medical call centres, multilingual capabilities and online services. Sky, Sun and Star Claria members get access while in the USA to the PCHS Hospital and Provider Network which is one of the largest USA networks covering 4,000 hospitals and 450,000 doctors. In addition, you can use the Star Network which is a collection of 19 high-quality medical facilities located in some of the most important cities of the USA. While outside of America, members are free to choose any hospital / clinic to receive treatment in their country of residence.

Claria Worldwide Sub Products

Claria is a USA administered medical insurance company offering three plans, "Sky", "Sun" and "Star" to expats based in countries with less costly medical treatment costs. All their plans offer low medical inflation rates and members are underwritten Refers to the process that an insurance company uses to assess the eligibility of an applicant to get approval for international health insurance. at application, so your premium after 5-10 years is likely to be lower than a plan taken with another insurer.

Their Star plan is popular with expatriates based in South East Asia, Central and Latin America, while the Sun plan provides added out-patient and some maternity cover. Contact us regarding a Claria plan if you are interested in a policy with low medical inflation, and to discuss how any pre-existing medical conditions Medical conditions or any related medical conditions for which one or more symptoms have surfaced over a number of years (usually 1-5 depending on the Insurer) prior to commencement of cover. may affect your application.

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The Claria expat health insurance policy range provides cover on a global basis.

Choose from either "Worldwide Excluding USA" or "Worldwide" if you need cover while visiting the USA. Be aware however that Claria do exclude a good number of countries including China, Canada, Australia and most of Europe. Those that are from excluded countries may want to consider other policies should you need health cover when going home for holidays.

Compare Claria Worldwide Sub Products

Compare Plans

Star Sun Sky Mundial
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Deductibles
Brochure Pack Download Claria Brochure Pack Download Claria Brochure Pack Download Claria Brochure Pack Download Claria Brochure Pack
Maximum Benefit

$1 million

$1 million

$1 million

$2 million

USA Elective Treatment

In-Patient

Star

Sun

Sky

Mundial

Hospital Accommodation

Private

Private

Private

Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant

$500,000 (lifetime limit)

$500,000 (lifetime limit)

$500,000 (lifetime limit)

$250,000 (lifetime limit)

Physiotherapy

$200 per session

40 sessions per year

Rehabilitation

post surgery only (max 60 sessions)

post surgery only (max 60 sessions)

Hospice
Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.

100% in country ($25,000 outside)

Oncology

Out-Patient

Star

Sun

Sky

Mundial

Out-Patient Surgery

$7,500

$20,000

100% in country ($70 outside)

Medical Practitioner Fees

$7,500

$20,000

100% in country ($70 outside)

Specialist Fees

$7,500

$20,000

100% in country ($70 outside)

Prescription Drugs

$2,000

$4,000

$10,000

$450 (20% co-pay)

Diagnostic Tests

$7,500

$20,000

100% in country ($70 outside)

Diagnostic Scans

$7,500

$20,000

100% in country ($70 outside)

Home Nursing Care

$200 (max 30 days)

$10,000 (max 30 days)

Prosthetic Devices
Chiropractic
HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.
Physiotherapy

$200 per session (post surgery, max 60 sessions)

40 sessions per year

Oncology

$100,000

$200,000

Alternative Therapies

Maternity

Star

Sun

Sky

Mundial

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

80% of $5,000

$9,000

$3,500

Newborn Care
Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$50,000 (lifetime limit)

$150,000 (lifetime limit)

$500,000 (lifetime limit)

$100,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

Dental

Star

Sun

Sky

Mundial

Emergency In-Patient

$20,000 ($500 deductible)

Emergency Out-Patient

$20,000 ($500 deductible)

Routine
Complex
Orthodontic

Well-Being

Star

Sun

Sky

Mundial

Routine Health Check
Vaccinations

Psychiatric

Star

Sun

Sky

Mundial

In-Patient Treatment
Out-Patient Treatment

Evacuation

Star

Sun

Sky

Mundial

Medical Evacuation
Medical Repatriation
Repat' of mortal remains

$10,000

$10,000

$10,000

Compassionate visit
Companion expenses

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Star

Sun

Sky

Mundial

Eye tests & consultations
Glasses & contacts

Chronic Conditions

Star

Sun

Sky

Mundial

Monitoring & maintenance
Stabilisation of chronic episode
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