Underwriter
Regulator
A- A. M. Best Rating
24
BrokerFish Rating
Clements International Health Insurance

Since 1947, Clements Worldwide has helped expatriates and international organizations with insurance solutions. Clements offer a wide range of policies, from Automotive, Property, Life, Health and Specialty covers in over 170 countries worldwide.

Today, from their Washington DC headquarters, Clements offers many cover to expatriates, including Kidnap & Ransom, Personal Liability, Term Life and Worldwide Medical Insurance and many other company focused covers.

Key Facts
  • Founded: 1947
  • HQ: USA
  • Support:
Eligibility
  • Min Entry Age: 0
  • Maximum Entry Age: 74
  • Policy Holder: Expatriate
Highlights
  • FREE first year cover for 2 kids under 10
  • Full Medical Underwriting
  • High maximum limits
  • Apply online enabled
Clements Worldwide GlobalCare® Plan Options

Clements offer added flexibility by allowing you to add additional covers if required. USA Cover, Dental Accidental Death and Dismemberment and finally one that's rarely found within the market: War and Terrorism are available.

USA Cover
Dental
War & Terrorism
Accidental Death & Dismemberment

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Clements Worldwide GlobalCare® Member Services

All Clements members receive access to a range of quality services.

All Clements members receive access to a wide range of services including: the freedom to choose any hospital, access to their international service centre and access to a quality medical provider network.

Clements Worldwide GlobalCare® Sub Products

Clements GlobalCare™ international medical policy is designed for expatriates who are living away from their home country. It's competitively priced, feature rich and provides US$5Million as the maximum benefit. As a provider that also specialises in other insurance products, they are somewhat atypical within the international health insruance market because they do not provide a range of policies which restricts their ability to tightly match customer's needs with health benefits. That aside, many will find their offering competitive should the level of care be suitable especially for young families where the first two children under the age of nine years old are covered for free.

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The Clements expat health insurance policy works in almost every country of the world making them a viable option for those countries that are often excluded.

Choose from either "Worldwide Excluding USA" or extend your cover for temporary trips within USA - something which they call GlobalCarePlus™.

Compare Clements Worldwide GlobalCare® Sub Products

Compare Plans

GlobalCare™ GlobalCare™ Plus
Premium per month Get Quotes Get Quotes
Deductibles
Brochure Pack Download Lloyd's Brochure Pack Download Lloyd's Brochure Pack
Maximum Benefit

$1 million

$1 million

USA Elective Treatment

In-Patient

GlobalCare™

GlobalCare™ Plus

Hospital Accommodation

Semi-Private

Semi-Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant
Physiotherapy
Rehabilitation
Hospice
Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

GlobalCare™

GlobalCare™ Plus

Out-Patient Surgery
Medical Practitioner Fees
Specialist Fees
Prescription Drugs

$20 co-payment

$20 co-payment

Diagnostic Tests
Diagnostic Scans
Home Nursing Care

80% (90 visits per year)

80% (90 visits per year)

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
Oncology
Alternative Therapies

Maternity

GlobalCare™

GlobalCare™ Plus

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.
Newborn Care
Congenital Disorder Congenital Disorder
Newborn defects present at birth.
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

GlobalCare™

GlobalCare™ Plus

Emergency In-Patient
Emergency Out-Patient
Routine
Complex
Orthodontic

Well-Being

GlobalCare™

GlobalCare™ Plus

Routine Health Check

$250 per year

$250 per year

Vaccinations

Psychiatric

GlobalCare™

GlobalCare™ Plus

In-Patient Treatment
Out-Patient Treatment

Evacuation

GlobalCare™

GlobalCare™ Plus

Medical Evacuation

$50,000 maximum

$50,000 maximum

Medical Repatriation

$50,000 maximum

$50,000 maximum

Repat' of mortal remains
Compassionate visit
Companion expenses

Optical

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

GlobalCare™

GlobalCare™ Plus

Eye tests & consultations
Glasses & contacts

Chronic Conditions

GlobalCare™

GlobalCare™ Plus

Monitoring & maintenance
Stabilisation of chronic episode
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Your privacy is important to us We do not sell your personal information to 3rd parties without your consent. To learn more read our privacy policy.
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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating