Our International Health Insurance for expats program offers you unparalleled medical benefits around the world. GlobalCare® is specifically designed for individuals living outside of their home country on temporary or permanent assignment.

International Health Insurance Plan Benefits

Maximum Lifetime Benefit	$5,000,000 per individual
Co-insurance (after deductible)	• 100% coverage outside the U.S. (No co-insurance) • 100% coverage in the U.S. if you use the Preferred Provider Network (No co-insurance) • 80% coverage in the U.S. if you do not use the Preferred Provider Network
Maximum Out-of-Pocket	$1,000 per individual / year
(after deductible)	$3,000 per family / year

International Health Insurance Policy Schedule of Benefits

• 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 Reunions are covered expenses under all GlobalCare® International Health Insurance plans
• Maternity, pregnancy, or delivery after 12 months continuous coverage
• Chiropractor and physical therapy
• Psychiatric care
• Emergency dental treatment and dental procedures necessary to restore natural teeth that are lost or damaged in an accident
  
  

Optional Dental Coverage

In addition to international 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	$1000
Preventative	100% (no deductible)
Basic Restorative	80% (after deductible)
Major Restorative	50% (after deductible)*
*Covered after 18 months of continuous coverage.

Optional 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. AD&D coverage is available to the principal applicant and spouse age 19 and older.

Ages	Insured Sum
19 - 65	$100,000
66 - 69	$50,000

Rates may be subject to change. Coverage for dependents residing in home country may be rated separately.

Optional War & Terrorism Coverage

This coverage extends your policy to include illness or injury caused by an act of war and terrorism. This extension 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 & Terrorism extension is not available. Please contact us for more information.

Exclusions

GlobalCare® does not cover losses connected with any of the following conditions or events:

• All costs incurred in home country, Canada or in the U.S. unless covered under Incidental Home Country coverage, GlobalCare®  Plus;
• Bodily injury sustained while engaged in a hazardous occupation such as flying, ballooning, hang-gliding, parachuting, mountain climbing, sky diving, racing, piloting an aircraft;
• Bodily injury sustained while under the influence of intoxicating liquor or drugs and due directly or indirectly to the state of intoxication;
• Self-inflicted injury, illness or attempted suicide;
• War, civil war, riots, civil unrest or voluntary participation in committing or attempting to commit a crime;
• The first $250 of eligible expenses per policy term; maximum of $750 per family, per policy term. Optional deductible applies if taken;
• Any pre-existing condition until the insured person has maintained coverage continuously for at least 18 months;
• Routine medical examinations or treatment including eye and ear examinations, vaccinations, inoculations, medical certificates, or any elective treatment or surgery, except as provided herein;
• Any maternity-related expenses in the first 12 months of coverage;
• Prescription drugs, unless following an accident or
  sudden illness covered under this policy.

Additional Policy Information

This page provides a brief description of the GlobalCare® program. 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 Worldwide 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 polices, please contact Clements Worldwide at 1.800.872.0067 or 1.202.872.0060.