Scholars International School Health Insurance Programs
Worldwide Health Care for Educators
Working in education abroad? Clements Worldwide Scholars® group health program provides flexible health insurance designed specifically for international school teachers, business managers, administrators, and their families. Whether you’re handling contracts at a university in Asia or running a small school in Africa, we provide customized plans to ensure you have medical coverage -- anywhere in the world.
A Personalized Solution
Schools can customize their own group health plan for teachers, staff, and their families to meet their specific needs. With over 70 years of providing customer service and outstanding claims processing and network, Clements can make sure your institution’s staff and their families have excellent medical coverage globally.
Benefits
Clements’ Scholars plan provides comprehensive benefits including:
- Insurer - “A” class security from Lloyd’s of London
- Easy and seamless implementation process
- One of the largest international medical direct bill networks in over 170 countries
- Flexible coverage and customized plan options
- Passive war, terrorism, strikes, riots coverage included at no cost
- Medical (in-patient and out-patient), prescription drugs, dental and vision
- Medical evacuation and repatriation coverage
- Mental illness coverage (including Video-Counseling Remote Therapy)
- Alcohol and substance abuse coverage
- Wellness benefits
- Worldwide coverage
- Bridge & continuance coverage
- Additional and unique program enhancements automatically included free of charge
- Accidental Death & Dismemberment with War & Terrorism coverage and benefits at 100%
- International Personal Property / Household Effects Coverage for employee and family
- Identity Theft expenses coverage
Claims Concierge
Our in-house Claims Concierge system provides a personal touch to deliver:
- Assistance with claims and benefit queries
- Help with denied or pending claims
- Support to help members understand Explanation of Benefits
- Resolution of issues if any – Doctor / Providers communication, HTH liaison, updates on claims status
- In-person meetings with clients and insured members worldwide throughout the year – group and one-on-one meetings
- Bi-weekly review of all claims reports – denied, pending, high-dollar denied claims, high out-of-pocket/out-of-network reports
