International Business Insurance. Clements Overall gives industry-explicit Worldwide Business Protection, giving you the monetary certainty to work across borders.
Leveraging our industry and risk expertise, we specialize in exceptional commercial insurance for government contractors, non-profit organizations, international schools, and global organizations.Our consultative methodology guarantees that your gamble the executives and protection needs are tended to with altered inclusion, even in high-risk regions.
Whether you need enhanced benefits to retain or hire new employees, or complex insurance coverages in high-risk areas for international expansion, we can provide the coverage you need to ensure your business, assets, and employees are protected.
International Business Solutions
International business operations require strong, reliable protection. So how do you ensure that you have the right commercial insurance in place to protect your assets and ensure the effectiveness of your operations?
Clements has a suite of business insurance solutions specifically tailored for the international community to help keep your business running smoothly by providing reliable and affordable coverage. From property to liability insurance, Clements ensures that your business and operations have the essential protection they need to succeed.
- Safeguard business vehicles against any transportation risks.
Property and Business Interference
- Guarantee business monetary congruity.
- Safeguard against exorbitant outsider obligation asserts abroad.
- Guarantee against online protection dangers.
- Shield delivered products from beginning to objective.
- Safeguard your association’s chiefs from individual obligation.
- Inclusion for carelessness/contract claims.
- Cover harm pay and prisoner exchange in the midst of an occurrence.
- Safeguard associations and individuals against psychological warfare gambles.
Overseas Employee Benefits Insurance
Protecting your employees around the world is no easy task. So how can your international organization ensure that your employees have the same coverage at home and abroad?
Attract and retain a dynamic international workforce with a comprehensive and affordable global benefits package. When your employees have the coverage they need, they can work with peace of mind and continue to help your organization achieve its goals.
Safeguard Base Demonstration (DBA) Inclusion
- Furnish government project workers with DOL consistent inclusion.
- Safeguard against representative injury or passing nonstop.
- Clinical service for workers around the world.
Researchers Gathering Wellbeing
- Medical care for global school staff.
- Wage swap for harmed representatives.
- Inclusion for families assuming representative bites the dust.
- Covers mishaps during school exercises.
Industry-Specific Business Insurance
- Safeguard school staff, understudies, and resources.
- Safeguard your association’s staff, resources, and clients.
- Get project workers the global protection they need.
Corporate Migration Protection
- Momentary Lodging Protection and Travel Inclusion for Your Worldwide Labor force.
International Crisis and Risk Resource Hub
Find resources and immediate assistance for organizations around the world dealing with crises such as political unrest, terrorism, natural disasters, and pandemics. SEE MORE
We’re here to help. International Business Insurance
Still have questions? Fill out the form below to contact a Clements business insurance advisor.
From quotes to claims, a Clements account executive will be happy to assist you with all your needs. We give practical worldwide protection answers for assist organizations with proceeding to work with inward feeling of harmony. CONTACT US
Scholars International School Health Insurance Program
Worldwide Health Care for Educators
For Instructors Abroad The Clements Overall Researchers Gathering Health care coverage Program offers adaptable clinical service planned explicitly for worldwide teachers, business chiefs, directors, and their families. International Business Insurance
Whether you handle contracts for a college in Asia or run a little school in Africa, we offer modified plans to guarantee clinical service anyplace on the planet.
A Customized Arrangement
Schools can customize group health plans for faculty, staff, and their families to meet their specific needs. With over 75 years of customer service, claims processing excellence, and networking, Clements can help you ensure that your school’s faculty, staff, and their families have excellent medical coverage anywhere in the world. International Business Insurance
Benefits
Clements’ Scholars Plan offers comprehensive benefits including
- Class “A” security from the insurance company – Lloyd’s of London
- Easy and seamless implementation process
- One of the biggest worldwide clinical direct bill networks in more than 170 nations
- Flexible coverage and customized plan options
- Complimentary passive war, terrorism, strike and riot coverage
- Medical (inpatient and outpatient), prescription drug, dental and vision coverage
- Medical evacuation and repatriation coverage
- Mental illness coverage (including video counseling telemedicine)
- Alcohol and drug abuse coverage
- Wellness Benefits
- Worldwide Coverage
- Bridge & Continuation Coverage
- Additional and unique program extensions automatically included at no cost
- Injury Death & Dismemberment, War & Terrorism coverage, 100% benefits
- International Personal/Home Contents coverage for employees and family members
- Identity Theft Expense Coverage
Claims Concierge
In-house claims concierge system provides personalized service:
- Inquiries regarding claims and benefits
- Assistance when claims are denied or pending
- Assistance to help members understand their benefits
- Problem resolution, including contacting physicians/providers, communicating with HTH, and updating claims status
- Face-to-face meetings with clients and insureds worldwide throughout the year – group and one-on-one meetings
- Bi-weekly review of all claims reports (denials, holds, high denial claims, high co-pay/out-of-network reports)
Redo Your School’s Gathering Medical coverage Plan
We will track down the best global health care coverage inclusion and offer five star support.
International School Associations we support
We can do more through partnerships. That is why Clements supports international school associations and councils around the world through our membership. These associations provide an important platform for schools to exchange ideas and provide the best possible educational environment.
Healthcare and Insurance in Africa: What Every Expatriate Should Know
The standard of health care in Africa is expected to be as broad and diverse as the continent itself. Its health care systems reflect the cultures of different regional blocs. Differences in degree between public and private health insurance are evident in both North and Sub-Saharan Africa. For example, the larger and more economically powerful countries on the African continent have adequate public health care systems. Private health care facilities usually predominate, but primarily serve high-income and foreign families.
The contrast across most of the continent is between rural and urban areas. Expatriates seeking to live in urban areas can expect medical facilities to be of a satisfactory standard. But as is often the case for expatriates, it is a bit more complicated in the suburbs. However, there are several expatriate “hubs” in more secluded areas with better sanitation services, which also vary from country to country. Thus, it is clear that private African health insurance is the best bet for expatriates in large cities and in areas with high levels of foreign traffic.
African Health Insurance for Expatriates and Visitors
Private Healthcare in Southern Africa – South Africa and Zimbabwe
South Africa is a regional hub for private health care. Many people are flown in from neighboring countries to access premium private health care facilities. Therefore, it is safe to say that South Africa is a reliable destination when it comes to access to healthcare. Although only about 16% of the population has access to modern private facilities, more than 75% of the country’s physicians are private practitioners. A very popular destination for expatriates, South Africa is able to meet the health and safety standards of the most advanced countries in the world.
It is worth noting that the majority of the country’s 55 million people rely on public health services. As a result, state-run clinics and hospitals are expected to be crowded at all times. The doctor-to-patient ratio is also very low. For exiles, this implies keeping away from the “nearby” experience by and large.
Zimbabwe is one of the neighboring countries that relies on South Africa for advanced medical care. As a result, expatriate citizens seeking more modern medical services have been known to have to fly to major cities such as Cape Town or Durban to receive medical intervention. Zimbabwe is economically poor, and this is reflected in the level of medical development. Foreigners staying in Zimbabwe will find that most state-run medical facilities are inadequate. For this reason, it is recommended that they purchase a solid comprehensive medical insurance policy. Those moving to Zimbabwe should also keep in mind that they will need to pay upfront before treatment.
Read: Medical Insurance in South Africa
National Health Insurance Options in West Africa – Nigeria and Ghana
Nigeria has a national health insurance system for public health services. However, this is not a solution to the country’s poor healthcare infrastructure. Private health care systems do exist, but they are limited to large cities. Moreover, in contrast to other developed countries, some diseases, such as tetanus and cholera, are fatal. Therefore, it is highly recommended that you purchase a solid and comprehensive insurance plan before moving to Nigeria. The insurance plan should be able to cover evacuation to another country for medical treatment and repatriation in the event of serious illness or death.
Neighboring Ghana also has a national health insurance plan. Expatriates can purchase this insurance for an additional fee. However, because Ghana’s medical resources are stretched thin, it is best for expatriates to purchase a lump-sum insurance policy. In addition, malaria and polio remain two of the most prevalent diseases in West Africa. Before moving to Ghana, it is worth seeking medical advice on immunizations and other preventive health care.
Medical Insurance in East Africa – Kenya
Kenya’s public health care system is financed by an insurance system. Available facilities vary from region to region, but the standard of care and hygiene can be expected to be below par. For this reason, expatriates prefer to use private practitioners. These medical facilities generally have high standards of hygiene as well as facilities.
There are several diseases that require immunization before moving to Kenya. Recommended are yellow fever, hepatitis A, and typhoid fever. Malaria should also be considered for immunization given its prevalence in Kenya. This multitude of variables warrant a complete health care coverage plan that covers these different dangers and systems.
Read more: medical insurance in kenya
Health Insurance Options in North Africa – Morocco and Egypt
Morocco, like many other African countries, also relies on an insurance system to operate its public hospitals and clinics. As a developing country, the quality of these hospitals and clinics is well below first world standards. It is therefore natural that international citizens prefer the private sector to meet their health care needs. However, insurance is a must, as private health services are extremely expensive.
Egypt is no comparison. It is even recommended that all major treatments and surgeries be considered outside the country. Foreigners planning to move to Egypt are advised to choose an insurance plan that covers evacuation and repatriation. While there are many foreign doctors in private health care in Egypt, it is best to seek recommendations from fellow expatriates for the best hospitals and clinics.
Health Insurance Tips for Africa
Before moving to the African continent, do your homework. If you have a particular disease or treatment, it is a good idea to find out if corresponding treatment is available in the country you plan to emigrate to. Also, make sure that the medical insurance you purchase in Africa covers all of these particularities. If you are moving to Africa, your best option is to use private health care, but it will not be up to the standards to which you are accustomed. Remember that repatriation or evacuation to another country is common in the region and is part of your plan.