Frequently Asked Questions
Clements’ international health plan is available for expatriates residing outside their country of citizenship for at least 6 months per year who are under 75 years old.
On average, the application process takes 7 to 10 business days. However, Clements recommends applying as early as possible in case additional underwriting is required.
The first step is to fill out Clements’ secure online application form, which will then be reviewed by our underwriters. Once approved, you can expect to receive your policy documents soon thereafter.
You can choose to include this coverage as an extension to your GlobalCare plan. With this option you have coverage in the United States and Canada up to 6 months but not more than 90 consecutive days.
The “deductible”, or “excess”, is the out-of-pocket contribution that each policy member is required to pay in a calendar year before benefits kick in. GlobalCare offers a choice of deductibles, from $250 to $5,000. The higher the deductible, the lower the premium.
Our GlobalCare plan is portable. You will be covered even if you move to another country other than your country of citizenship, excluding the U.S. and Canada.
Yes, you do not need to be actively at work to qualify for GlobalCare.
Yes, GlobalCare offers guarantee of payment for a hospital visit or a medical procedure if the medical provider agrees to this payment method. This would be arranged ahead of time with our claims department. You have the freedom to choose any licensed provider in the world. Alternatively, we have a network of recommended providers available to you.
We have an electronic claims system, so that you will not have to mail original invoices or receipts to our claims department. To access the electronic claims system simply register your account per the instructions included with your policy documents. Also, multilingual claims specialist are available around the clock 24/7 to assist. You can also submit claims through our mPassport mobile app.
A pre-existing condition is a medical condition for which medical advice, diagnosis, care, or treatments were recommended or received in the last two years.
No, however conditions that fall outside of the definition above may be covered, dependent on underwriting approval. To determine if this is the case for your situation, please submit an online application for review.
GlobalCare is designed for expatriates living and working outside of the United States. As such, GlobalCare is not subject to the ACA.
GlobalCare is only offered in annual terms - though we do offer payment options of 9 installments, quarterly, and semi-annual payment plans. Should you decide to cancel your GlobalCare policy before the annual term is up, you can be refunded up to 6 months of premiums.