GlobalCare® Pro International Expatriate Medical Insurance 

With over 65 years of experience, Clements Worldwide understands the challenges that professionals abroad often face when securing health care coverage for international assignments. GlobalCare Pro is designed specifically for consultants, NGOs, development professionals, or individuals contractually engaged to provide products or services to any national government with additional accidental death and dismemberment coverage in case of an accident. This exclusive expatriate medical insurance plan is tailored to the needs of overseas working professionals, offering portable health and dental coverage in over 170 countries at affordable rates.

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In order to be eligible for coverage, you must be an active, full-time expatriate working a minimum of 30 hours per week (only applies to primary applicant).

  • Benefits & Features
  • FAQ
  • Coverage Chart

GlobalCare Pro is an affordable health insurance program for expatriates that provides all the benefits of a standard GlobalCare policy with additional superior medical benefits, which include:

  • Maximum benefit $5 million per lifetime
  • Emergency medical evacuation and repatriation at no additional cost
  • Coverage for hospitalization, physician, surgeon, specialist fees, and prescription drugs
  • Vision care benefits; dental insurance and orthodontia included at no extra cost
  • $200,000 of Accidental Death & Dismemberment (AD&D) coverage included for primary insured; coverage is optional for spouse
  • Coverage extends to first two children up to age 10 if both parents are insured
  • Wellness benefit can be applied to an annual physical, mammogram, or colonoscopy
  • War & Terrorism extension included at no extra cost, which provides coverage in the event of illness or injury caused by an act of war or terrorism (some restrictions apply)
  • Online or mobile claims submission - no need to mail forms, meaning faster turnaround.
  • Guarantee of Payment to more than 6,000 providers worldwide, meaning providers are paid directly rather than paying and waiting for reimbursement.
  • Multiple Payment Options: annual, semi-annual, quarterly, and a 9 installment plan *

Limits and restrictions apply. Pre-existing conditions are excluded per the certificate terms. Coverage is excluded in restricted countries or sanctioned countries. Please call for more information

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*All installment payments subject to tax and a per installment change. Installment plan requires 20% deposit of total premium and tax up front, with 8 additional installments.

Can I keep my GlobalCare Pro coverage if I move to another country?

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.

Can I keep my GlobalCare Pro coverage if I quit my job?

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.

Who is eligible for a GlobalCare Pro health insurance policy?

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.

How long will my application take?

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.

If I need medical treatment, does GlobalCare Pro provide advance guarantee of payment?

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.

How do I file a claim?

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.

If I need medical treatment, does GlobalCare Pro provide advance guarantee of payment?

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.

How do I file a claim?

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.

Does GlobalCare Pro provide medical coverage in the United States and Canada?

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.

What is a pre-existing condition?

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.

Does GlobalCare Pro international health insurance cover pre-existing conditions?

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.

Does this plan meet the requirements of the United States Affordable Care Act (“ACA” or “Obamacare”)?

GlobalCare Pro is designed for expatriates living and working outside of the United States. As such, GlobalCare Pro is not subject to the ACA.

Is GlobalCare Pro available in anything besides annual terms?

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.

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Deductible Options Limited to 3 times the individual deductible per family, per calendar year and an additional $250 per hospital admission outside of the preferred prover network
Coinsurance
  • 100% coverage outside the U.S. 
  • 100% coverage in-network inside the U.S.
  • 80% coverage out-of-network inside the U.S.

Maternity  

Available after 12 months of continuous coverage
Outpatient Prescription Drugs        
  •  $10 co-payment per 30 day supply for generic name drugs
  •  $20 co-payment per 30 day supply for brand name drugs
Home Health Care  80% up to 2 visits per day, 4 hours total of home health care services, 90 visits per calendar year maximum
Hospital Indemnity  $50/night up to 10 nights 
Intensive Care Unit Covered as part of this policy
Emergency Medical Evacuation $250,000 maximum per occurrence (deductible does not apply)
Preventative Care 100% to a maximum of $600 per calendar year for wellness visits 
Transplant Expense  $500,000 maximum per lifetime
Vision

Maximum of $150 per 24 months

Complementary Medicine Benefits Acupuncture, Magnetic Therapy, Herbal Therapy, Massage Therapy, Aroma Therapy, Vitamin Therapy