Frequently Asked International Health Insurance Questions | Clements Worldwide
Our GlobalCare Pro 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.
While you must be actively at work in order to qualify for GlobalCare Pro, you are able to change jobs. Be sure to alert us to any changes in employment.
If you are retiring or unemployed, you are still eligible for the standard GlobalCare policy. For more information please contact us at +1.202.872.0060.
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. In order to be eligible for GlobalCare Pro you must also be working 30 hours or more.
What is the process for obtaining GlobalCare Pro international health insurance?
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.
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.
Yes, GlobalCare Pro 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 in 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.
Yes, GlobalCare Pro offers guarantee of payment for a hospital visit or a medical procedure. 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. Simply complete the online claims form, attach any documents and submit it online. You are also able to track all claims on our system. Also, multilingual claims specialists are available around the clock 24/7 to assist.
Clements’ GlobalCare Pro plan includes U.S. and Canada coverage for temporary visits up to 6 months but no longer than 90 consecutive days, as long as you are not currently a resident of the U.S. or Canada.
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 Pro is designed for expatriates living and working outside of the United States. As such, GlobalCare Pro is not subject to the ACA.
GlobalCare Pro 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 Pro policy before the annual term is up, you can be refunded up to 6 months of premiums.