GlobalCare USAID : International Health Insurance : Coverage
You may access information about the GlobalCare USAID program, by clicking the links below:
Health & Benefit Summary
Deductible Options
Optional Dental Coverage
Optional Accidental Death Coverage
Optional War & Terrorism
Exclusions
Additional Policy Information
Maximum Lifetime Benefit |
$1,000,000 per individual |
|
Co-insurance (after deductible) |
100% Outside U.S. & Canada |
|
|
100% inside U.S. PPN |
|
|
80% outside U.S. PPN |
|
Maximum Out-of-Pocket |
$1,000 per individual / year |
|
(after deductible) |
$3,000 per individual / year |
Summary of Benefits
- Hospitalization, physician, surgeon and specialist fees.
- Annual physical examination and mammogram
- Out-patient prescription drugs
- Emergency Medical Transportation
- Radiation therapy or treatment and Chemotherapy
- Comprehensive diagnostic and evaluation services.
- Emergency dental treatment and dental procedures necessary to restore natural teeth lost or damaged in an accident.
- Maternity, pregnancy, or delivery after 10 months of continuous coverage (contractor and eligible spouse only)
Deductible Options
Deductibles are stated on a calendar year basis. All plans carry a $250 deductible per hospital admission outside of the PPN.
Per Individual |
Family Maximum / Per Year |
|
$250 |
$750 |
|
$500 |
$1500 |
|
$750 |
$2250 |
|
$1000 |
$3000 |
|
$2500 |
$7500 |
|
$5000 |
$15000 |
Dental Benefits
In addition to medical coverage, GlobalCare USAID offers coverage for dental expenses.
Policy Term Deductible |
$25 |
|
Maximum Benefit |
$1000 |
|
Preventative |
100% (no deductible) |
|
Basic Restorative |
80% (after deductible) |
|
Major Restorative |
50% (after deductible)* |
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*Covered after 18 months of continuous coverage. |
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Accidental Death & Dismemberment (AD&D) Coverage
Our program offers enrollees with an optional extension of coverage that provides a financial sum should an accident or serious injury occur. The GlobalCare USAID policy requires that contractors on the Standard Plan ($100,000) and the Enhanced Plan purchase AD&D insurance. AD&D coverage is available on an individual basis for those age 19 and older.
Plan |
Ages |
Insured Sum |
Monthly Premium |
Standard |
19 - 65 |
$100,000 |
$8.33 |
Standard |
66 - 69 |
$50,000 |
$4.17 |
Enhanced |
19 - 65 |
$200,000 |
$16.66 |
Enhanced |
66 - 69 |
$100,000 |
$8.34 |
Rates may be subject to change. Coverage for dependents residing in home country may be rated separately.
Optional War & Terrorism Coverage
This unique policy enhancement extends your policy to provide medical coverage for illness or injury that is caused by an act of war and terrorism. This coverage is available in most countries throughout the world. If War & Terrorism is selected, coverage for all family members is required. Due to underwriting restrictions, there are some countries where the war and terrorism extension is not available.
Annual Premium
Additional 15% of Total Medical Premium
Exclusions
The following section provides a brief summary of important exclusions contained within the policy. It is recommended that you review the complete GlobalCare USAID certificate prior to purchasing this policy as it contains a full list of the covered expenses and exclusions
Covered expenses do not include charges incurred for or in connection with:
- The following illnesses or procedures during the first 180 days of coverage: any condition of the breast, any condition of the prostate, tonsillectomy, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones;*
- Any pre-existing condition until the insured person has maintained coverage continuously for at least 6 months (24 months for Open Enrollment applicants);*
- Charges for pre-natal care, delivery of a newborn, and post-natal care, including complications thereof, until the insured person has maintained continuous coverage under this plan for at least 12 months (24 months for Open Enrollment applicants);
- War, civil war, riots, civil unrest or voluntary participation in committing or attempting to commit a crime.
*This exclusion is waived if the application is received within first 30 days of contract, and is accompanied by a certificate of creditable coverage.
Additional Policy Information
This page provides a brief description of the GlobalCare USAID programs. Therefore, the international health insurance coverages and the principal exclusions listed herein must be regarded only as an outline. A complete description of this program is contained in the policy which is the legal document and as such defines the insurance in precise terms.
To obtain a copy of the policy or for any additional information on the program, please contact Clements International at info@clements.com or 1.202.872.0060.
NOTE: The information above pertains to all GlobalCare policies with an effective date of March 1, 2007 or later. For information on all other policies, please contact Clements International at 1.800.872.0067 or 1.202.872.0060.