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Clements Worldwide’s New Guaranteed-Issuance Expat Life Insurance

Clements Worldwide’s New Guaranteed-Issuance Expat Life Insurance

Clements makes it easy for individuals living or working abroad to secure reliable financial protection through A-rated, tailor-made term life coverage -- anywhere in the world. Clements Worldwide, leading provider of international insurance solutions, announced that it is making its highly successful, guaranteed-issuance term life insurance product available to all eligible individuals at the same discounted rates only previously available to existing customers.

With no health-check requirement, new customers between the ages of 18 to 65 who live and/or work outside their home country can now apply online at http://www.clements.com and obtain portable, stand-alone or complementary term life insurance coverage. With just a simple verification of active employment and good health, expatriates can now instantly secure affordable financial protection for their families with benefits up to USD 500,000, or up to ten times the insured’s annual salary with medical underwriting.

As a trusted provider of insurance solutions for individuals based overseas for more than 65 years, Clements has firsthand experience with the unique risk exposures inherent to international work responsibilities. All too often, expats with dependents lack sufficient coverage, leaving families vulnerable to financial devastation. This unfortunate scenario is confirmed by the findings in a recent report conducted by Life Insurance and Market Research Association (LIMRA). According to the report, experts recommend having enough life insurance to replace 7 to 10 years of income; however, the unpleasant reality is that the typical married couple has less than half that amount.

Designed to provide peace of mind and financial security should an untimely death occur, Clements’ guaranteed life insurance provides a cash benefit immediately following death to designated beneficiaries. The product is especially timely given that the 2013 Global Mobility Survey revealed that 41% of companies expect international assignments to increase in the next 12 months.

“With international mobility on the rise, it is critical that expats have convenient access to comprehensive life insurance with borderless coverage,” says David Brumbach, director of personal insurance at Clements Worldwide. “For decades, we’ve been helping customers of all nationalities and professions manage their life insurance policies while based outside of their home country. We are still very proud to be the leading source of highly-rated life protection and peace of mind for expats and their families.”

About Clements Worldwide

Clements Worldwide is a leading insurance provider for expatriates and international organizations. Founded in 1947, Clements offers international car, property, term life, health, specialty and high risk insurance in over 170 countries. With offices in Washington, DC, London, and Dubai Clements delivers comprehensive coverage, superior customer service, and unparalleled claims response.

To learn more and quote online, visit http://www.clements.com.

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Globality Health Introduces A New International Health Insurance Plan For Individuals - Yougenio® World

Globality Health Introduces A New International Health Insurance Plan For Individuals - Yougenio® World

Globality Health has launched its new international health insurance plan for individuals, YouGenio® World. It is replacing YouGenio® with a large number of improvements to the current plan levels Classic, Plus and Top, such as full cancer care. In twelve-months the product development team has created a product that specifically fits the unique needs of Expatriates with focus on a perfect balance between quality and price. Striving to maintain stable premiums in the future, all plans are regionally priced to ensure that premiums are relative to local costs of treatment.

Beyond that, YouGenio® World is now extended by an additional plan level called YouGenio® Essential. This new entry level plan offers inpatient treatment and medical assistance. It is not only reasonable in price; it also offers outpatient treatment of serious illnesses – a unique offer from Globality Health.

Key benefits of YouGenio® World: All plans cover in- and outpatient cancer treatment and organ transplant; Cover of pre-existing medical conditions; All plans have no minimum or maximum age restrictions; Guaranteed renewability; Improved assistance benefits; Cover for over the counter drugs for Classic, Plus and Top; Direct access to the unique worldwide Globalites® service network;

About Globality Health

Globality Health is the international health insurer with a special focus on expatriates. People who study, live or work abroad are assured that their health is always in good hands, no matter where they are. As an integral part of Munich Health, with more than 5,000 experts across 26 locations, we offer innovative healthcare solutions for clients and partners all over the world. As a member of Munich Re, we give you the strength and security of one of the world’s leading insurers and reinsurers. Read more about Globality Health in the iPMI Magazine Private Medical Insurance Company and Provider Directory, a definitive source of private medical insurance companies.

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Cigna Launches New International Health Insurance Plans for Individuals

Cigna Launches New International Health Insurance Plans for Individuals

Cigna Launches New International Health Insurance Plans for Individuals

  • Cigna introduces new individual private medical insurance product suite which includes Silver, Gold and Platinum options;
  • Gives customers and partners the ability to create unique plans which fit around their unique healthcare needs and budgets, while still benefitting from Cigna’s industry-leading service;
  • Replaces existing Cigna Global Health Options and Advance plans Launch comes in response to customer demand for more choice and more flexible healthcare options.

Cigna, one of the world’s leading international health insurers, is excited to announce the launch of a brand new suite of international health insurance products.

The Cigna Global product suite, which is targeted to expatriates and globally mobile individuals, has been expanded to create a new three-level international health insurance plan. Customers can now benefit from a wider range of plans and customize their cover around their specific healthcare needs and budget. The new healthcare plans – which include Silver, Gold and Platinum cover levels - give customers more flexibility with modular cover options and a choice of cost share and deductible levels. The customer starts out with core International Medical Insurance, which provides cover for all inpatient, specialist and accommodation costs, as well as cover for cancer and psychiatric care. They then choose what is important to them, and add on additional module options which include Outpatient, Health & Wellbeing, Medical Evacuation and Vision & Dental options.

Phil Austin, Head of Global Individual Private Medical Insurance said: “The new plans have been developed in response to customer and broker demand for a wider range of products which span across different market segments. The new plans give us the ability to provide products which suit a greater footprint of customers, and with the added flexibility of teaming a modular approach with deductible and cost share options, it has become really easy for customers to build a plan which is matched to the their unique needs”. The plans were developed after a period of customer and market research which identified a gap in the market for an affordable, high quality, high service healthcare plan.

Austin added: “Our customers appreciated our existing high-service Global Health Options plan which performed well at the upperend of the market. We identified an acute need for additional quality, affordable plans in the middlemarket: for those individuals who are moving abroad but are paying for their plan themselves and want to contain costs but maintain high service levels. The new plans are about giving customers much more choice, so they can get all the cover they need without having to pay for cover they don’t need. After all, if you know you won’t need maternity care, why should you pay for a plan which includes it?”

Key features of the new plans:

  • Choice of Silver, Gold or Platinum options International Medical Insurance core cover as standard, covering inpatient hospital stays, specialist consultants, cancer care etc, and also maternity care on Platinum and Gold plans
  • Flexibility to build a unique plan with a range of additional optional modules, including Outpatient cover; Medical Evacuation; Health & Wellbeing; and Vision & Dental cover
  • Manage premiums with deductible and cost share options on core and Outpatient Comprehensive cancer care as standard
  • No maximum age restrictions
  • Guaranteed renewability

The plans bring a high-service proposition to the mid-market. Customers get access to service levels usually only available on higher-end plans, including:

  • Access to a team of professionals to help navigate the complexities of international health insurance 24/7/365;
  • A global network of over 1 million hospitals, physicians, clinics and health specialists located around the world;
  • Direct claims settlement with providers in most cases, or reimbursement within 5 days.

About Cigna Global Health Options

Cigna is a global health service company dedicated to helping people improve their health, well-being and sense of security. As an operating subsidiary, Cigna Global Health Options provides global international health care plans designed for customers who want the flexibility of having easy access to high quality health care around the world.

  • International Medical Insurance;
  • International Outpatient;
  • International Health and Well-being;
  • International Vision and Dental;
  • International Medical Evacuation.

For more information on the new plans, view the Sales Brochure: www.cignaglobal.com/pdf/Sales%20Brochure%20Jul%2013.pdf

If you are a broker seeking more information, or wishing to offer the new plans, register at www.cignaglobal.com/intermediaries

 

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You Are Global

You Are Global Overseas Health Insurance

 

You Are Global is a leading international health, expat, life and travel insurance broker and intermediary, based in Brazil. You Are Global works with leading private medical insurance providers and companies like IMG, Cigna, HCC, Now Health International and Allianz Worldwide Care. You Are Global caters specifically for expatriates, travelers and tourists, working, living and visiting Brazil. You Are Global has specific expertise working with Spanish speaking cultures around the world whilst also proving international health, medical, travel, expat and life insurance plan to the out bound travel market in Brazil.

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You Are Global

You Are Global Overseas Health Insurance

You Are Global is a leading international health, expat, life and travel insurance broker and intermediary, based in Brazil. You Are Global works with leading private medical insurance providers and companies like IMG, Cigna, HCC, Now Health International and Allianz Worldwide Care. You Are Global caters specifically for expatriates, travelers and tourists, working, living and visiting Brazil. You Are Global has specific expertise working with Spanish speaking cultures around the world whilst also proving international health, medical, travel, expat and life insurance plan to the out bound travel market in Brazil.

How can we help?

If you are an international citizen and need a medical coverage which knows no boundaries, you are in the right place. We understand the world has evolved and business and study programs are not limited to the place we live. And this also happens to international travel opportunities: nowadays, travel abroad is easy due to globalization. In the other hand, we know that having a comprehensive, continuous and worldwide medical coverage is mandatory to an international citizen. Therefore, from now on you can access all solutions ValenteRocha provides throughout “You are global – SeguroSaúdeemViagens” program.

You can have a global support, with online assistance, quoting and contracting your international medical coverage with adjustable options as you have never seen. Now you have access to the most comprehensive medical coverage plan available in the American Health Insurance Style. *You are Global – Seguro Saúde em Viagem”isValenteRochaproperty for international medical coverage plans.

Safe On-line Shopping

The whole process of your international medical coverage shopping can be on-line, throughout the internet. In this channel, you can have the quotation you need, revise the offered coverages, fulfill your personal data and send, directly to the enterprise, your international medical coverage request. We know that, due to the nature of our solutions, some personal information is confidential. Then, the entire information submitting process is confidential and all personal information is sent directly to underwriting department which is under a severe clause of confidentiality regarding our clients` information. All this provides you peace of mind. All the shopping system is secured by a safe site and digital certificate, which ensures the online shopping. In other words, we are ready for you to have what is the top of the best medical coverage available, aligned with an customer service and underwriting processes with are modern, safe and dynamic.

Company: You Are Global

Address: R.Lima Barreto, 442, Curitba, Brazil

Phone: +55 41 3527 2680

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Web: www.youareglobal.com

 

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