ProfessionalsAbroad. Personal Property, Automobile and Health Insurance for the Professional Abroad Edition

Transcription

1 ProfessionalsAbroad Global Insurance Solutions Insurance for Individuals Automobile Personal Property Worldwide Health Travel Medical Personal Umbrella Personal Accident Kidnap & Ransom Term Life Insurance for Organizations Commercial Property Worldwide Auto Worldwide Health Personal Accident Professional Liability Errors & Omissions Liability Directors & Officers Liability Workers Compensation Kidnap & Ransom Political Risk Term Life Personal Property, Automobile and Health Insurance for the Professional Abroad 2008 Edition professionalsabroad.clements.com ONE THOMAS CIRCLE NW, 8 TH FLOOR, WASHINGTON D.C or FAX professionalsabroad@clements.com professionalsabroad.clements.com

2 1 OneWorld Today s global professional is an informed decisionmaker and a discriminating consumer. And while any seasoned professional knows that great opportunities like working abroad are accompanied by risks, there are some areas not worth compromising. One is the insurance you purchase to protect your life, health and property. You re a citizen of the world and your expectations of an insurance company remain the same whether you re in New York, Singapore or Yaounde. OneSolution Peace of mind is knowing that you re protected. You need seamless insurance coverage a policy that s looking out for you even when you can t. From personal property and automobiles to business and liability, we have the insurance solution to meet all of your needs, no matter where you are in the world. OneCompany Since 1947, Clements International has been providing innovative insurance solutions to the expatriate community. Our programs are designed in direct response to our experience and the feedback we receive from clients worldwide. With a reputation for unparalleled customer service and customer-friendly claims handling, Clements is the preferred insurance provider of professionals living and working abroad. ProfessionalsAbroad International Personal Property, Automobile, and Health Insurance ProfessionalsAbroad is one-stop insurance shopping for professionals of all nationalities who are working outside their home country. Our program combines everything you need for international insurance protection into one complete package saving you time, cumbersome paperwork and the need to purchase separate insurance policies. More importantly, it offers superior coverage and unparalleled claims response. ProfessionalsAbroad includes personal property, automobile, personal liability, and health insurance protection, all with the added peace-of-mind that Clements International s world-renowned personal service offers. Here is what our ProfessionalsAbroad clients have to say I have auto insurance with Clements and would like to put on record my total satisfaction with the handling of my claim including the professional, efficient and courteous attitude when responding to my inquiries. The whole process was excellent and in summary my claim was handled perfectly. Regards, Peace Corps Volunteer, Grenville, Grenada I arrived back home from Bogota today and found a check from Clements for the price of my computer. Not even one week after I faxed you the claims information, it was processed and approved! I wanted to take the time to thank you for your help -- you made an unfortunate incident have a happy ending. Thank you again, Foreign Affairs Director Rome, Italy

3 International Personal Property Insurance International Personal Property Insurance provides coverage for items damaged during the relocation process or while in your foreign residence. Professionals should understand the unique risks associated with living and working abroad, including: 1. Limited coverage offered abroad. Many policies purchased abroad offer very limited coverage. It is important to understand the exact protection you receive under your policy and where the policy provides coverage. 2. Gaps in coverage that occur when separate transit and destination policies are purchased and can be eliminated by packaged policies. 3. Reliability of your insurance provider. International insurance should be purchased from a reliable and regulated insurance company. When policies are purchased from local providers, they vary greatly in coverage and accountability. The GlobalEffects Program Complete, uninterrupted protection for your personal property. The coverage is offered in two plans: Plan 1 Transit and Destination Insurance Coverage is designed for professionals who have not yet moved to their foreign destination. This coverage is combined to eliminate the gaps that occur by purchasing separate policies. Plan 2 Destination Insurance Coverage is designed for professionals who are already living abroad. Unscheduled Coverage Unscheduled items are covered at full replacement cost and include coverage while in your foreign residence, commercial storage or while traveling. GlobalEffects Plan 1 provides All-Risks Transit coverage while your property is being relocated to your foreign destination. 1 Worldwide, All-Risks Coverage for specified items at all times, while in transit, in your foreign residence, while traveling or in commercial storage. There is no deductible for this coverage. Scheduled Coverage The Fine Print 1. For unscheduled coverage, the first $100 of any one loss at your destination, or the first $250 of any transit loss, is not covered. 2. A standard war exclusion clause applies. 3. Unscheduled coverage is limited to $2500 coverage in the aggregate per loss for unscheduled jewelry, precious stones, watches, furs, silver, objects of art, computer equipment, camera and photographic equipment, musical instruments (except pianos), golfers equipment, stamp and coin collections and other similar valuables. Refer to Scheduled Coverage section for proper coverage of these items. 4. No recovery is available for losses caused by wear and tear or gradual deterioration under Scheduled Coverage. Comprehensive Personal Liability Insurance Worldwide protection for sums which you are legally obligated to pay as damages (including defense costs) due to bodily injury and/or property damage to others. This coverage provides protection for you and members of your family living in the same household. The GlobalEffects program includes $25,000 of Personal Liability coverage. Higher limits of coverage are available. Please see the rate chart for more information. The Fine Print 1. Business pursuits are not covered under this liability coverage. 2. Liability arising from the ownership, maintenance or use of automobiles, aircraft and watercraft is excluded.

4 International Automobile Insurance To operate cars internationally, global professionals will need to purchase Physical Damage and Liability coverage. As requirements vary from country to country, it is important to determine the exact requirements of your destination. The AutoElite Program Our AutoElite program provides coverage for Physical Damage (comprehensive and collision), Primary Auto Liability (third party), and Excess Liability coverage conveniently packaged in one program. Comprehensive & Collision Coverage Worldwide comprehensive, theft and collision coverage for your automobile while it is being operated or parked abroad. AutoElite also provides Automobile Rental Reimbursement, Disablement Towing Coverage and optional coverage for duty expenses. In addition, this coverage provides Reimbursement of Automobile Rental Insurance Expenses while renting an automobile. Remember, this feature does not provide insurance coverage on the rental vehicle, but simply reimburses you for the cost to purchase the rental agency s daily insurance package. Some limits apply. Primary Liability Coverage This coverage provides the locally required third party automobile liability coverage while your automobile is being operated. Licensed drivers are covered for the sums they are legally obligated to pay as damages because of bodily injury and/or property damage to others. In many countries, we provide the locally required Primary Auto Liability Insurance (Third Party) coverage in conjunction with your AutoElite policy. Primary Liability policies are issued through a legally accepted insurance company in the country in which you reside, and comply with the local operational laws and registration requirements. Excess Liability Coverage The AutoElite Plus program offers Automobile Excess Liability Insurance coverage. When it is required for you to purchase your primary liability coverage locally, our excess liability coverage will extend this often inadequate coverage. From our claims file: An international businessman loses control of his vehicle and runs into a parked car. Upon contacting his local insurance company, learns that the local policy will not pay for the damages to the other car because no bodily injury was caused. An AutoElite policy would provide this coverage. The Fine Print 1. A deductible applies. 2. A standard war exclusion applies. 3. Coverage is excluded while the automobile is within the United States or Canada and their territories and possessions. 4. Transit insurance is excluded. AutoElite Premier Option AutoElite Premier offers members extended coverage benefits, including increased liability limits, guaranteed value coverage of the automobile, and additional Reimbursement of Automobile Rental Insurance Expenses. Please contact us to learn more about this extended offer.

5 International Health Insurance If you are not covered by a group medical plan or if your plan does not cover you outside of your home country, individual international healthcare coverage is available. Important coverage components: Healthcare Policies vary in the benefits and coverage they provide, ranging from those that only provide catastrophic or limited coverage to those which offer comprehensive healthcare protection and services. Evacuation As medical services and facilities are not equal throughout the world, this coverage provides evacuation services to transport members when suitable care is not available locally. The GlobalCare Program A worldwide medical insurance program which provides members with $5M in comprehensive benefits including evacuation services at no additional charge. GlobalCare understands that the true test of any health program occurs at the time of claim. Our program maintains a worldwide reputation for handling claims immediately with personal attention to what matters people. Coverage is available to all professionals living outside of their home country. Complete coverage for spouses and dependents is also available under this program. GlobalCare extends coverage, allowing you Plus to choose any country worldwide (including the United States) for treatment, when medical care is needed. GlobalCare provides short-term medical insurance Atlas for anyone needing temporary medical insurance while traveling for business or pleasure. For more information on coverage descriptions, rates or to apply on-line, please contact us or visit our website at globalcare.clements.com. Complimentary & Additional Expatriate Concierge Services As a complimentary benefit, customers have access to a suite of international travel services: Emergency Travel Services are available to provide 24-hour assistance in any type of travel emergency. Concierge Service guides members to quality services, such as hotels, restaurants or events, throughout the world. Worldwide Travel Assistance provides up-to-the-minute travel advisories, foreign passport requirements and assists with ground transportation arrangements. Medical Assistance assists members in locating and receiving quality medical care anywhere in the world. For more information on these complimentary services, contact Expatriate Concierge Services at (collect calls accepted) or visit our site at professionalsabroad.clements.com Additional Coverage International Umbrella Coverage We offer $1M, $2M or $3M of coverage for personal liability beyond the limits provided in our Comprehensive Personal Liability and Automobile Liability coverage. Insurance within the United States Clements International can provide complete stateside insurance including automobile, homeowners, and specialized policies for homes rented to others. International Term Life Insurance Visit the Life section of our website to obtain a competitive quick quote for Term Life Insurance. Kidnap and Ransom/Extortion Insurance Confidential coverage is available for global professionals who are at risk or who travel to high-risk destinations. Worldwide Commercial Programs Comprehensive insurance coverage is available for organizations operating abroad. For more information on all of our global insurance programs, please visit our website. The description of insurance coverage in this brochure is a summary only. The coverage is subject to the terms, conditions, limitations and exclusions contained in the policy of insurance. In the event of any conflict between the outline of coverage herein and the policy of insurance, the provisions contained in the policy of insurance will govern.

6 Rates How to Apply Unscheduled Coverage Territory 1 Territory 2 Asia, Western Europe, Australia, New Zealand Central/Eastern Europe, South America, Mexico Territory 3 Central America, Caribbean, Middle East, Africa Rates per $100 of personal property: Plan 1 (Transit & Destination) Plan2 (Destination Only) Foreign Commercial Foreign Commercial Destination Storage Destination Storage 1 $1.90 $1.00 $.95 $ For example: The cost of insurance for 30,000 of unscheduled property located at your foreign residence in Spain would be: ($30,000 / 100) x.95 = $285. per year. Scheduled Coverage Worldwide rate for Scheduled Items per $100 is $1.95. For example: Under Scheduled Coverage an item valued at $2,000 would cost ($2,000 / 100) x $1.95 = $39. per year. Comprehensive Personal Liability Limit of Coverage Annual Premium $ 25,000 Included 100,000 $ , , International Umbrella Limit of Coverage $1,000,000 $175. 2,000, ,000, Available Discounts Annual Premium A 5% discount is available to professionals applying for $75,000 or more of unscheduled coverage. Corporate Group Discounts also available. Please contact us. Apply Online To apply online for any of our personal insurance programs or to learn more about our international insurance portfolio, please visit our website. GlobalEffects 1. Complete the General Application. 2. Complete the Unscheduled Coverage section of the application valuing all personal property at your foreign destination and, at your option, effects left in commercial storage. Total the column(s). Please note that policies start at $10,000 of coverage. 3. Scheduled Coverage: a. On a separate sheet furnish a detailed, itemized list of classes of property with a unique description of each item. Assign a separate value to each item listed. b. Submit appraisals or purchase receipts for each item valued at $5,000 or more. c. Complete the Scheduled Coverage section. 4. Refer to the rate chart to determine your annual premium. 5. Complete the Summary Application stating amounts of coverage and premiums. Use the chart to total your premiums. 6. Please complete the Payment Options and Signature and Verification sections at the end of the application. AutoElite First, you will need to obtain a rate quotation. You may wish to contact us via phone, fax or website for immediate response. 1. Complete the General Application. 2. Complete the AutoElite Application and check the Rate Quote Only box. 3. Once you have obtained a rate quotation, check the Issue Policy box, complete the Payment Options and Signature and Verification section, then submit the completed application to Clements International. GlobalCare To find out more information about the GlobalCare program, please visit globalcare.clements.com or contact our office. #15/01-07/15K

7 Tear along perforated edge AutoElite Application (Please print clearly or you may apply online at professionalsabroad.clements.com) Choose One Rate Quote Only Issue Policy 1. Coverage Comprehensive and Collision Premium $ Comprehensive and Collision w/liability Excess Primary Premium $ Premier Option for New Vehicles 2. Coverage Effective Date M D Y Titled/Registered Owner (if other than applicant) 3. Year Make Model Cyl. Country of Manufacturer U.S. Spec. Yes No Serial/VIN # Date of Purchase M Y Purchase Price (US$) New Used (Optional Coverage for duty expenses available ) Country Where Purchased Auto Plate # (if known) Country of Registration Drivers License # State/Country of Issue Options (Auto Trans, AM/FM/CD, Power Options, Other Equipment) Alarm Yes No 4. Is your vehicle parked in a secure or garaged location: At your residence? Yes No At work? Yes No 5. Name and Address of financing or loan company No Loan 6. Names, Dates of Birth and Relationship to Applicant of any persons who may regularly operate the automobile: 7. Has the applicant or other operator: a. been involved in an accident (as a driver) in the past three years? Yes No b. been convicted of a moving violation in the past three years? Yes No c. had automobile insurance declined or canceled? Yes No d. been diagnosed with a physical or mental deficiency or impairment? Yes No e. had license revoked, suspended or refused? Yes No f. been convicted of driving under the influence or a hit and run violation in the past? Yes No Any Yes answer must be explained on a separate sheet. Payment Options Payment by: Telecheck, pay by check instantly at professionalsabroad.clements.com Check enclosed, payable to Clements International Credit Card VISA MasterCard AMEX Cardholder Name Card No. Exp. Date M Y Amount $ Delivery Options Mail policies and renewal notices to (choose one): Address (E-Customer Option) Yes, I want to be an e-customer. As an e-customer all correspondence including renewal invoices and policies will be sent to the address supplied above. You will need Adobe Acrobat Reader. You may download a free copy of the software at Foreign Destination Address Permanent Home Country Address Other Signature and Verification My signature below certifies that all information I have provided on this application is true to the best of my knowledge. The values represent the replacement cost value of all personal property at my foreign destination and in my home country storage. It further serves as authorization if I have chosen to pay by credit card. (X) Signature Date Submit Application and Payment to: Clements International One Thomas Circle NW, 8 TH Floor Washington, D.C USA Credit Card holders can transmit applications and payment by fax ( ), or on our website (professionalsabroad.clements.com). Code: FOR OFFICIAL USE ONLY #16/01-08/15K

8 Tear along perforated edge General Application Required for All Policies Client Status New Former Current (Please print clearly or you may apply online at professionalsabroad.clements.com) Date M D Y How did you hear about Clements International? 1. First Name M.I. Last Name Date of Birth M D Y Sex M F 2. Citizenship Occupation Employer 3. Foreign Destination Address City Country 4. How long do you anticipate staying at this location? Date leaving for foreign destination? 4. Home Country Address 5. Home Ph # Work Ph # Fax # 6. Marital Status Married Single Name of Spouse Date of Birth M D Y 7. No. of Dependents Insured GlobalEffects Application Choose One Plan 1 (Transit & Destination Coverage) Plan 2 (Destination Coverage Only) Unscheduled Coverage Value of Unscheduled Coverage Please note that policies require at least $5,000. of coverage. All effects to be valued at replacement cost. Foreign Destination Commercial Storage a. Clothing (insured & dependents) $ $ b. Bedding & linens $ $ c. Furniture (also includes pianos and antiques) $ $ d. Rugs and draperies $ $ e. Clocks, lamps, mirrors $ $ f. Books $ $ g. TV sets, stereos, VCR's, DVD players, and other electronic equipment (excluding cameras) $ $ h. DVD's, CD's, videotapes, other electronic media $ $ i. China, glassware, flatware (excluding silver) $ $ j. Sports & hobby equipment $ $ k. Scientific & professional equipment $ $ l. PDAs, calculators $ $ m. Large and small appliances $ $ n. All other personal property: includes luggage, consumables, etc. $ $ Total I. $ II. $ Scheduled Coverage Value of Scheduled Coverage A separate itemized list including descriptions and values per item a. Jewelry $ is required for Scheduled Coverage. An appraisal or purchase receipt b. Fine Arts $ is required for each item valued at $10,000. or more. c. Silver $ d. Cameras and Equipment $ e. Furs $ f. Oriental Rugs $ g. Musical Instruments $ h. Stamp and Coin Collections $ i. Home Computers/Laptops $ Total III. $ GlobalEffects Summary Application Amount of Coverage Premium Effective Coverage Date M D Y Please send me an application in order to apply for International Umbrella Coverage. I. Foreign Destination Coverage $ $ II. Commercial Storage $ $ III. Scheduled Coverage $ $ IV. Personal Liability $ $ Total Premium $ (Over)