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Claria Life & Health Insurance

Claria

CLARIA – Straight forward international medical insurance

Claria Life & Health Insurance Company Barbados is a leading provider of international health insurance, conducting business in 45 countries globally. They connect members in over 130 countries and offer a range of quality medical coverage options with excellent service and stable renewal rates. Claria is committed to offering international life and health insurance products with worldwide coverage, leveraging their 18 years of experience to adapt and evolve with their member’s needs.

Claria is administrated by Global Assurance Group, who has over 19 years of experience in international life and health insurance and reinsurance. They provide prompt underwriting, efficient claims processing, cost control measures and quality customer service, their culture of service means they are always there for their members in the most critical times of their lives. They work together with members to form a true partnership that goes deeper than paying claims and provides ample, all-encompassing, direct access to the USA medical provider network and global medical providers in over 130 countries.

Additionally, Global Assurance Group has 24-hour emergency call center, GMMI, part of Europe Assistance, with true representation in over 200 countries, which allows to provide assistance where and when it is needed, respond to major situations quickly and effectively.

Claria International Health Plans offer a clear and comprehensive option to protect your family’s future with efficient, personal service. They provide maximum flexibility, peace of mind, and excellent value while ensuring competitive renewal rates. Claria is known for its clarity and focus on both present and future needs. The coverage starts immediately for accidents and infectious diseases, with a 90-day waiting period for other conditions. However, the waiting period can be waived at the administrator’s discretion with proof of existing international health insurance in force for the past 12 months.

Renewals are guaranteed for the lifetime of the policy, with no maximum age for coverage if the policy is renewed. The policy has a selected deductible per person per policy year, with a maximum of 2 deductibles per coverage period. Additionally, the policy has a 20% coinsurance for eligible benefits incurred out of the country of residence after the insured person has met their deductible, with a maximum of $1,000.

The policy also gives the freedom to choose any doctor or medical facility anywhere in the world and within the United States, it provides access to PHCS provider network, part of MultiPlan and United Health Care, which are two of the most extensive healthcare networks in the United States with 4,100 hospitals and 900,000 practitioners and specialists.

CLARIA SUN medical insurance plan

Sum assured per person per policy year is USD 1,000,000 and a summary of benefits as follows:

HOSPITALIZATION

» Private Room 100%
» Intensive Care 100%
» Medicine 100%
» Surgeon 100%
» Specialist 100%
» Diagnostic Services 100%
» Cancer Treatment 100%

OUTPATIENT

» Cancer Tratment (lifetime) $200,000
» Medical visits, specialists, diagnostic services, surgery $20,000
» Prescription medicine $4,000

MATERNITY

» Normal delivery, Pre/Post natal care (max. $5,000) deductible applies 80%
» Medically necessary C-Section (max. $8,000) deductible applies 80%
» Elective C-Section (max. $5,000) deductible applies 80%

ADDITIONAL BENEFITS

» Congenital Illness (lifetime) $150,000
» Organ Transplant (lifetime) $500,000
» Bone marrow transplant (lifetime) $250,000
» Reconstructive surgery $40,000
» Emergency medical reunion $10,000
» Repatriation of mortal remains $10,000
» Cash benefit, in country of residence (max. 7 days) per day $1 00
» Routine care (deductible not apply) after12 months $200
» Travel insurance coverage (deductible does not apply) $5,000
» Alternative medicine, chiropractic, homeopathy (max. 12 visits per year) per visit $50
» Free coverage for eligible dependents upon death of primary insured 2 years
» Air ambulance 100%
» Ground Ambulance 100%
» Accidental death: Primary $10,000/Spouse $5,000/Dependents $2,500
» Accidental death and dismemberment (AD&D primary and spouse) optional to $1 00,000
» Durable medical equipment (per year) $3,000
» Dangerous sports (lifetime) $25,000

CLARIA STAR medical insurance plan

Sum assured per person per policy year is USD 1,000,000 and a summary of benefits as follows:

HOSPITALIZATION

» Private Room 100%
» Intensive Care 100%
» Medicine 100%
» Surgeon 100%
» Specialist 100%
» Diagnostic Services 100%
» Cancer Treatment 100%

OUTPATIENT

» Cancer Treatment (lifetime) $100,000
» Medical visits, specialists, diagnostic services, surgery $7,500
» Prescription medicine $2,000

MATERNITY

N/A

ADDITIONAL BENEFITS

» Congenital Illness (lifetime) $50,000
» Organ Transplant (lifetime) $500,000
» Bone marrow transplant (lifetime) $250,000
» Reconstructive surgery $40,000
» Emergency medical reunion $10,000
» Repatriation of mortal remains $10,000
» Cash benefit, in country of residence (max. 5 days) per day $100
» Routine care (deductible does not apply) after 12 months $100
» Travel benefits (deductible does not apply) $2,500
» Alternative medicine, chiropractic, homeopathy (max. 12 visits per year) per visit $50
» Free coverage for eligible dependents upon death of primary insured 2 years
» Air Ambulance 100%
» Ground Ambulance 100%
» Accidental Death: Primary $10,000/Spouse $S,OOO/Dependents $2,500
» Accidental Death and Dismemberment (AD&D primary and spouse) Up to 100,000
» Durable medical equipment (per year) $3,000
» Dangerous sports (lifetime) $25,000

CLARIA SKY medical insurance plan

Sum assured per person per policy year is USD 1,000,000 or $2,000,000 and a summary of benefits as follows:

HOSPITALIZATION

» Private Room 100%
» Intensive Care 100%
» Medicine 100%
» Surgeon 100%
» Specialist 100%
» Diagnostic Services 100%
» Cancer Treatment 100%
» Companion for minor (max. 10 days) per day $100

OUTPATIENT BENEFITS

OUTPATIENT

» Medical visits, specialist, diagnostic services, surgery 100%
» Cancer treatment 100%
» Prescription medicine (Post-Hospitalization max. 6 months) $10,000
» Prescription medicine $10,000
» Oce visits to doctors and specialists *ICR 100%
» Alternative Medicine (max. 12 visits) $50 per visit

MATERNITY

Within country of residence
» Normal delivery and Pre/Post natal care $9,000
» Medically necessary C-Section $13,000
» Elective C-Section $9,000
» Single mother rider $4,000
» Conservation of umbilical cord stem cells (Included in the $9,000) Up to $2,000

Outside country of residence
» Normal delivery and Pre/Post natal care/Elective C-Section 80% up to $15,000
» Medically necessary C-Section 80% up to $15,000

ADDITIONAL BENEFITS

» Congenital conditions (lifetime) $500,000
» Organ transplant (lifetime) $750,000
» Bone marrow transplant (lifetime) $350,000
» Temporary coverage during underwriting (with submitted payment) $25,000
» Reconstructive surgery, after a Covered Accident $60,000 per insured (lifetime)
» Accidental dental treatment ($500 deductible applies) $20,000
» Emergency medical reunion $10,000
» Repatriation of mortal remains $10,000
» Travel benefits ® ® $10,000
» Physical therapy / Rehabilitation (Post surgery ,accident max. 60 sessions) 60 Sessions per year
» Home Health Care (Max. 30 days) $200
» Cash benefit *ICR $200 (max. 10 days)
» Routine care (after 12 month period ®) $700
» Well Child Care $50 per visit
» Air ambulance 100%
» Ground ambulance 100%
» Accidental death Imain insured: $10,000 /Spouse: $5,000 /Children: $2,500
» Accidental death and dismemberment (for main insured and spouse) optional benefit up to $100,000
» Durable medical equipment (per year) $3,000
» Dangerous sports (lifetime) $25,000

CLARIA MUNDIAL medical insurance plan

Sum assured per person per policy year is USD 1,000,000 or $2,000,000 and a summary of benefits as follows:

HOSPITALIZATION

» Private Room 100%
» Intensive care 100%
» Medicine 100%
» Surgeon 100%
» Specialist 100%
» Diagnostic service 100%
» Cancer treatment 100%

OUTPATIENT

» Medical visits, specialist 100%
» Diagnostic services 100%
» Surgery 100%
» Cancer treatment 100%
» Prescription medicine (Post-Hospitalization max. 6 months) $8,000
» Prescription medicine $8,000 with 20% Coinsurance
» Second medical opinion 100%
» Alternative Medicine (max. 12 visits) $150 per visit

MATERNITY (Options 1,2,3)

» Maternity complications coverage (lifetime) $500,000
» Newborn coverage $50,000

Within country of residence
» Normal delivery and Pre/Post natal care $8,000
» Medically necessary C-Section $8,000
» Elective C-Section $8,000
» Conservation of umbilical cord stem cells (included within $8,000) $1,500

Outside country of residence
» Normal delivery and Pre/Post natal care/Elective C-Section $8,000
» Medically necesary C -Section $8,000

ADDITIONAL BENEFITS

» Congenital conditions (lifetime) $500,000
» Organ transplant (lifetime) $750,000, Bone marrow transplant (lifetime) Benefit included within organ transplant
» Temporary coverage during underwriting (with submitted payment) $10,000
» Accidental dental treatment ® 100%
» Repatriation of mortal remains 100%
» Travel benefits ® $10,000
» Air ambulance 100%
» Ground ambulance 100%
» Physical therapy / Rehabilitation (Post surgery or accident) 40 Sessions per year
» Home Health Care (Max. 30 days) $10,000
» $100 per policy
» $50 per visit
» Cash benefit *ICR $100 (max. 5 days)
» Dialysis $150,000
» Human Papillomavirus (HPV) (lifetime) $3,000
» Routine care (after 12 month period ® $100 per policy
» Well Child Care $50 per visit
» Vaccines up to age 10 – 100%
» Accidental death / main insured: $10,000 / Spouse: $5,000 / Children: $2,500
» Accidental death and dismemberment (for main insured and spouse) optional benefit $100,000
» AIDS (lifetime) $20,000
» Durable medical equipment (per year) $3,000
» Dangerous sports (lifetime) $25,000

The above presentation is intended to provide general information about Claria International Health Plans and its features. It is not a legal document and should not be used as the sole reference for understanding the plan’s coverage, benefits, limits, and exclusions. To fully understand the plan’s terms and conditions, please refer to the policy documents provided by the insurance company. These documents are the legally binding source for information about the plan’s coverage and limitations.

CLARIA Group Plans

The above plans can be set up as group plans and focus on providing long-term, major medical international coverage at competitive, sustainable rates. Unlike some modern insurance companies, Global Assurance Group revives traditional underwriting practices, carefully analyzing each case to ensure long-term performance. They offer discounts and group underwriting for larger groups such as corporate clients or groups seeking international coverage for traveling or executive employees.

Additional benefits include flexible underwriting, tailored plans according to individual needs, guaranteed enrollment for groups of 50 or more, and discounts of 5% to 20%. Additional discounts may be applied based on the settings of benefits, such as elimination of maternity coverage in the Sky plan, elimination of ambulatory in the Sky plan, and a 7% annual coverage reduction for $100,000 coverage.

Table of Benefits

Policy Wording

Exclusions