Claria International Health Plans offer a clear choice to protect your family’s future, with generous comprehensive international coverage combining efficient and personal service. The Claria plans offer maximum flexibility, peace of mind and excellent value while ensuring competitive renewal rates for years to come. Claria stands for clarity and focus for today and tomorrow.
Deductible and Co-Insurance
The selected deductible applies per person, per policy year with a maximum of two deductibles per coverage period...
Deductible Waiver
Elimination of deductible towards the in-patient benefits in the country of residence for policies that have...
Freedom to choose:
Worldwide: Freedom to choose any doctor or medical facility anywhere in the world. United States: Access to PHCS provider network, part of MultiPlan company one of the largest...
Medical Assistance 24 hours
One call to our 24-hour emergency call center provides you with immediate access to knowledgeable...
Coverage
See the amount above for each plan.
Renewals
Renewals are guaranteed for life of the policy. There is no maximum age for coverage as long as...
Hospitalization
| Private room | 100% |
| Intensive Care | 100% |
| Medicine | 100% |
| Surgeon | 100% |
| Specialist | 100% |
| Diagnostic Services | 100% |
| Cancer Treatment | 100% |
Outpatient
| Medical Visits | 100% in country max $150 |
| Cancer Treatment | 100% |
| Medicine (Post Hosp. - Max 6 months) | $8.000 |
| Prescription medicine | $8.000 with 20% coinsurance |
| Second medical opinion | 100% |
| Alternative medicine (max. 12 visits) | $150 per visit |
| Deductible elimination for admissions | less than 24 hours |
Maternity
| Maternity complications coverage (lifetime) | $500.000 |
| Newborn coverage | $50.000 |
| Within country of residence | |
| Normal delivery, Pre/ Post natal care | $8.000 |
| Medically necessary C-Section | $8.000 |
| Elective C-Section | $8.000 |
| Conservation of umbilical cord | $1.500 |
| Outside country of residence | |
| Normal delivery, Pre/Post natal care /Elective C-Section | $8.000 |
| Medically necessary 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 |
| Air ambulance | 100% |
| Temporary coverage (during underwriting) | $10.000 |
| Accidental dental treatment | 100% |
| Repatriation of mortal remains | 100% |
| Travel benefits (deductible does not apply) | $10.000 |
| Ground ambulance | 100% |
| Physical therapy / Rehabilitation (after surgery or accident) | 40 sessions per year |
| Home health care (max. 30 days) | $10.000 |
| Cash benefit in country of residence | $100 (max. 5 days) |
| Human Papillomavirus (lifetime) | $3.000 |
| Routine care | $100 per policy |
| Well Child Care | $50 per visita |
| 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) | up to $100.000 |
| AIDS (lifetime) | $20.000 |
This page and its contents are for informational purposes only. For full legal description of the plan benefits please refer to the policy documents.