Clements Worldwide

  Winter 2015 | VOL 11. ISSUE 1
Clements Worldwide Newsletter February 2015

Ebola - Out of the News, but Not Over 


If you work in Western Africa, you know that the outbreak from Ebola is far from over.  While health infrastructure has been crucial in helping to curtail the spread of the epidemic, there are still typically 100 to 150 new cases reported each week and many more families in quarantine who need support from aid organizations.  Also, the effect on overall health care in that region has been crippling.  Efforts on controlling malaria and pre-natal/newborn health have had to take a lower priority resulting in need for increased support.


From a risk management perspective, Smita Bhargava, Vice President of Programs & Special Risks for Clements Worldwide, counsels clients to monitor their renewals.  "The key priority for all companies is protecting their employees," Bhargava says.  "As clients operating in these countries renew their policies, we work to ensure their evacuation coverage, disability policies, and life insurance still supports employees but also advise on how to deal with independent contractors, consultants, and volunteers."

For more information on continuing challenges related to West Africa due to Ebola, read our full story here

  Do you Know the Risks in Mexico? - ask Clements Worldwide! 


Mexico is the most populous Spanish-speaking country in the world and due to its proximity with the United States, a popular destination for expatriates.  Tales of drug violence and bad infrastructure (such as drinking water) make people afraid to go beyond tourism and explore expatriate living.  Using Clements Worldwide's Risk Assessment, you can evaluate whether Mexico is a good destination for you, and learn the insurance products that might help you feel more safe and secure if you decide to live in that country.


Some key items:

  • Overall, most of Mexico is relatively safe for travel, according to the UK Government
  • Mexico is currently undergoing an economic revival thanks to a substantial rise in foreign investment, offering possible job opportunities
  • According to the statistics published by the Mexican Secretaria de Gobernacion (SEGOB), kidnappings rose 20% in 2013 over the previous year, including a rise in express kidnappings where individuals are taken to ATMs for immediate payouts. So caution is still necessary
For more information on risks in Mexico or 75 other countries, click here for Clements Worldwide Country Risk Guides.

Are you an expat or HR manager at 

an international organization?

Consider this...


As international insurance experts for over 65 years, Clements can help you with a fully comprehensive suite of international insurance solutions, including:

Make sure you and your colleagues are fully protected when abroad with comprehensive international insurance from Clements Worldwide.



Let us Deliver More Relevant Content ...


Going forward Clements Worldwide will be delivering 4 versions of Global Insight.  This version will continue to provide a broad overview of international risk solutions, but we will also offer Global Insight for Non-Profits, Global Insight for International Schools, and Global Insight for International Organizations with more specialized industry content.  If you would like to be added to one of those lists please contact us at  

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Where You Go, Clements Will Follow & Other News

Feeling the Winter Blues?



Depending on where you are on the globe, you may be tired of the snow and cold or looking for a cultural escape from tropical heat.  There is always an excuse to need a vacation.  According to our latest Clements Worldwide Expat Survey, released in 2014, top travel destinations for expats were:

  • The United States with its diverse geography can offer hot weather or cooler destinations; the excitement of NYC or the thrills of New Orleans or wonder of Disney World 
  • France offers the romance and culture of Paris; gorgeous vineyards throughout the country; and beautiful coastline in places like St. Tropez
  • Spain & United Kingdom round out the top 4
To learn more click here.  If you are interested in participating in the next expat survey, please reach out