Personal Insurance Products

Clements Worldwide has entered into a business relationship with UNFCU Financial Services, LLC doing business as Industrial Coverage to provide insurance products to international (non-U.S.) residents. Insurance products are written by non-U.S. insurers and are not available to U.S. residents. Additional product restrictions may apply in certain countries.

Personal Accident

All products listed are only available to members outside the United States.

When the unexpected happens, rest assured.

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This coverage provides a death benefit in the event of your accidental death during a business trip, vacation or while going about daily life. Coverage limits up to USD 1,000,000 per person are available.

Coverage Options Include:
  • Accidental Death Only - Death of the insured resulting from an accident.
  • Accidental Death and Dismemberment - Accidental injury to the insured resulting in death, loss of sight or loss of limb(s).
  • Permanent Total Disablement from an Accident - A disablement that prevents the insured from obtaining any gainful employment after 12 months.
  • Temporary Disablement from an Accident - Accidental injury to the insured which temporarily prevents the insured from working.
  • Medical Expenses/Hospitalization resulting from an Accident - Necessary hospitalization and recovery expenses incurred by an insured as a result of an accident.
  • Evacuation and Repatriation - Reasonable travel expenses incurred by the insured to evacuate or repatriate to the nearest suitable medical facility if disablement is expected to last four or more weeks.”

Property

All products listed are only available to members outside the United States.

Unrivalled protection for your belongings.

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The property insurance program provides worldwide protection for your personal belongings. The plan can provide coverage for property during transit as well as upon arrival at your new destination.

Policy Highlights:
  • The program includes USD 500,000 of liability protection automatically.
  • Belongings are covered at full replacement cost without accounting for depreciation.

Health

All products listed are only available to members outside the United States.

Freedom of choice and global portability.

Major Medical:

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This coverage is a uniquely designed international health insurance program offering unparalleled medical benefits to anyone living outside of their home country on temporary or permanent assignment.

Policy Highlights:
  • Coinsurance - There is no coinsurance payment necessary after the deductible for treatment outside of the United States. Prescription drugs, maternity care, mental health treatment, and other services crucial to your wellbeing are also covered.
  • Emergency Medical Evacuation - Should you or an insured family member need to be evacuated to a different country for necessary medical care.
  • Global Coverage - Coverage in over 180 countries including your home country to prevent gaps in coverage that can leave you and your family vulnerable.
  • Freedom of Choice - Choose your own healthcare providers.  There is no limiting network of doctors abroad — pick any doctor of your choice.

Short Term Medical:

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Clements Worldwide provides Short-Term Medical Insurance for U.S. citizens and foreign nationals who need temporary medical coverage while traveling for business or pleasure anywhere outside their country of citizenship.

Policy Highlights:
  • Flexible coverage periods – Minimum of 7 days and renewable for a maximum of 12 months of coverage.

Auto

All products listed are only available to members outside the United States.

Borderless auto insurance provides peace of mind worldwide.

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International auto insurance provides worldwide liability, comprehensive, theft and collision coverage for automobiles worldwide.

Policy Highlights:
  • Physical Damage and Liability - Coverage for vehicle damage and third party liability which adjusts to legal requirements which vary among countries.
  • Worldwide Liability Protection - Drive around the world with confidence knowing that you are protected if found to be at fault in a collision, even if an accident-related case follows you back home.
  • Accident Forgiveness - your rate stays the same even after your first accident.
  • Claims paid in USD and other major currencies.

Special Risks

All products listed are only available to members outside the United States.

Certainty in uncertain times.

Umbrella

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This coverage provides protection against the payment of sums you may be held responsible for in the event of a lawsuit. It protects you from losses that could occur on premises while living abroad with coverage afforded with worldwide jurisdiction.

 

 

 


 

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