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Why choose Claria?
Claria International Health Plans offer the best clear choice to protecting your family's future, with generous comprehensive international cover combining efficient and personal service. 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.
Guaranteed Renewals
Renewals are guaranteed to the insured’s for the life of the policy. There is no maximum age for coverage as long as the policy is renewed.
Assistance 24 hours
One call to our 24-hour emergency call center provides you with immediate access to knowledgeable, reliable medical advice and assistance 24 hours a day, 7 days a week worldwide. This service is provided by Europ Assistance, wholly owned by Generali Group.
Deductible and Co-Insurance!
The selected deductible applies per person, per policy year with a maximum of two deductibles per coverage period. When an insured person is hospitalized in their country of residence, the deductible is automatically eliminated when the selected deductible is between $250 and $2,500. 
Outpatient deductible is waived within the United States.
The coinsurance applies out of the country of residence after the insured person has met their deductible and shall be 10% of the next $10,000 (maximum of $1,000) of eligible benefits incurred.
• The above description is for informational purposes only. For full legal
description of the benefits, limits, and exclusions please refer to the
policy documents.
Waiting Period
Coverage is immediate for accidents and infectious diseases with a 90 day waiting period for treatment of any other condition. The 90 day waiting period may only be waived at time of application at the administrators discretion with proof of existing international health insurance in force for the past twelve consecutive months.
Freedom to choose!
Worldwide:
Freedom to choose any doctor or medical facility anywhere in the world.
Within the United States
Access to the PHCS Provider Network, one of the largest healthcare networks in the United States, which includes 4,000 hospital and 450,000 practioners and specialists.
Additional benefits within the Unided States:
In addition to the 4,000 hospitals provided by the PHCS Provider network you have the optional benefit of selecting one of the Star Network Hospitals in which you will receive:
• Up to $1,000 off your deductible
• No coinsurance
• A round trip economy airline ticket up to $500
Conditional that complete medical information is sent ten days in advance to the administrator for approval and treatment is not outpatient, emergency or a maternity.
• Hospitalization is defined as admitted to the hospital for a minimum of 24
hours
 HOSPITALIZATION |
OUTPATIENT |
|
| Private Room 100% | Medical Visits 100% | |
| Intensive care 100% | Specialist Visits 100% | |
| Rx Medicine 100% | Cancer Treatment 100% | |
| Surgeon 100% | Diagnostic Services 100% | |
| Specialist 100% | Lab Services 100% | |
| Diagnostic Services 100% | Surgery 100% | |
| Cancer Treatment 100% | RX Medicine post covered hospitalization (max. 6 months) $10,000 | |
| Companion for minor 100 per day | Prescription Medicine $5,000 |
| MATERNITY |
| Within country of residence no deductible |
| Normal Delivery, Pre/Post natal care 100% |
| Medically necessary C-Section 100% |
| Single mother rider $4,000 |
| Outside country of residence no deductible |
| Normal Delivery 80% |
| Medically necessary C-Section 80% |
| Pre/ Post natal care 80% |
| Elective C-Section, duductible applies 80% |
| ADDITIONAL BENEFITS |
| Congenital Illness (Lifetime) $500,000 |
| Organ transplant (Lifetime) $500,000 |
| Bone marrow transplant (Lifetime) $350,000 |
| Air Ambulance $100,000 |
| Temporary coverage for accidents during underwriting (with submitted payment) $25,000 |
| Reconstructive surgery $40,000 |
| Accidental dental treatment ($500 deductible applies) $20,000 |
| Emergency medical reunion $10,000 |
| Repatriation of mortal remains $10,000 |
| Travel benefits (deductible does not applies) $10,000 |
| Ground Ambulance $3,000 |
| Physical therapy / rehabilitation (after surgery or accident, max of 60 sessions) $200 per session |
| Home health care (max. 30 days) $200 per day |
| Cash benefit, in country of residence (max. 10 days) $200 per day |
| Routine care (deductible does not apply) $700 |
| Free coverage for elegible dependents upon death of primary insured 2 years |
DEDUCTIBLE |
$1Million $250 |
$2 Million $250 |
$1Million $500 |
$2 Millon $500 |
$1Million $1,000 |
$2 Million $1,000 |
$1Million $2,500 |
$2 Million $2,500 |
$1Million $5,000 |
$2 Million $5,000 |
$1Million $10,000 |
$2 Million $10,000 |
| 0 | 214 | 0 | 214 |
0 | 214 | 0 | 214 | 0 | 214 | 0 | 214 | |
| 11-17 | 980 | 1,193 | 750 | 963 | 528 | 741 | 501 | 715 | 374 | 587 | 279 | 492 |
| 18-29 | 2,383 | 2,810 | 1,949 | 2,374 | 1,406 | 1,832 | 1,208 | 1,635 | 1,020 | 1,447 | 765 | 1,234 |
| 30-39 | 2,985 | 3,409 | 2,372 | 2,799 | 1,782 | 2,209 | 1,524 | 1,951 | 1,278 | 1,705 | 959 | 1,426 |
| 40-49 | 3,735 | 4,162 | 3,098 | 3,525 | 2,300 | 2,725 | 1,923 | 2,350 | 1,667 | 2,093 | 1,251 | 1,719 |
| 50-59 | 4,782 | 5,209 | 4,052 | 4,480 | 2,911 | 3,338 | 2,453 | 2,880 | 2,136 | 2,563 | 1,603 | 2,072 |
| 60-64 | 5,967 | 6,894 | 5,168 | 5,594 | 3,926 | 4,350 | 3,312 | 3,739 | 2,843 | 3,270 | 2,132 | 2,603 |
| 65-69 | 8,509 | 8,935 | 6,863 | 7,290 | 5,168 | 5,594 | 3,862 | 4,288 | 3,336 | 3,762 | 2,502 | 2,970 |
Rates are unisex
Smokers are subject to a 10% loaded premium.
Optional maternity coverage for single mothers $300
Additional administration/policy fee (annual) of $100 per policy
Students within the United States must add an additional $375
Children under 11 years are included free when both parents are enrolled.
In the case of single parent children under the age of 11 pay the rate of $214.
Individual non-cancelable after issuance date, no age limits on renewals.
To calculate premiums factor 0.55 (semi-annual), 0.28 (quarterly), and 0.10 (monthly)
Students are considered dependents to age 23 and pay the rate of 11-17 (proof shouldt be supplied)
• The above description is for informational purposes only. For full legal • Hospitalization is defined as admitted to the hospital for
description of the benefits, limits, and exclusions please refer to the a minimum of 24 hours.
policy documents.
