Personal Accident Insurance
A
ccidents on overseas assignments cannot always be avoided, but their
financial impact on individuals can be alleviated with the right insurance.
Clements Worldwide offers personal accident coverage customized to meet
your organization’s unique needs. You may opt for extensions including
coverage for war and terrorism, accidental death and more.
Clements continues to be the leading provider
of trusted and reliable insurance services for
relief and development organizations and the
people who support them.
Our portfolio of insurance products include:
24/7 Coverage
Our personal accident insurance provides around-the-clock protection to the
insured while they are on the job, on vacation, or at any other time abroad.
Typical workers’ compensation coverage is applicable only during working
hours, potentially leaving gaps in coverage throughout the duration of an
assignment.
> Vehicle Fleets
> Individual Motor
> Personal Property & Liability
> Transit & Cargo
Accidental Death and Dismemberment Coverage
In the event of an accident resulting in loss of life, limb, or eyesight, the
beneficiary receives up to USD 1 million, and if necessary coverage could be
increased for highly-compensated employees. This comprehensive coverage
also extends to permanent total dismemberment or disability.
> Term Life
Flexible Policy Terms
We provide coverage options for both individuals and groups at competitive
rates. Benefit types and amounts can be easily modified as circumstances may
require.
> Director’s & Officers Liability
Medical Evacuation
If adequate medical assistance is not immediately available, the insured will be
evacuated to a suitable facility to receive appropriate medical treatment. In
some cases, travel expenses will also be paid for repatriation to the employee’s
home country.
Copyright © 2012 Clements Worldwide. All Rights Reserved.
> Group Health
> Kidnap & Ransom
> Foreign Property & General Liability
> DBA Worker’s Compensation
> Long-Term Disability
Contact Clements Today
+1.202.872.0060
[email protected]
clements.com
Personal Accident Insurance
(Continued)
Temporary Total Disablement
The insured shall receive benefits in the event of an injury causing temporary work impairment. Amounts are
available up to 100% of the employee’s weekly salary.
War and Terrorism Coverage
With over 60 years of experience working with clients in conflict regions, Clements Worldwide is uniquely qualified
to provide organizations with the right coverage against the risks of civil unrest, war, and acts of terrorism. Clements
specializes in custom-designing policies that ensure full organizational protection anywhere in the world.
Case Study
An international development organization devoted to capacity-building in democracy and governance
saw a peak in assignments in high-risk areas. As a result, it opened several outposts in Africa, Latin America,
and Asia to meet the increased needs of its services. Its 250 employees worldwide faced a variety of risks
that varied greatly by location. The organization approached Clements Worldwide to provide them with
coverage that would factor in the dramatic differences in circumstances in each region.
Clements obtained for the organization a personal accident policy that included a life insurance benefit
of up to USD $100,000 per person, permanent total disability and temporary total disability benefit.
The organization was also provided a war and terrorism extension that protects financial security of its
employees and their beneficiaries should an event occur.
Comprehensive coverage Available on an individual or group basis, including Accidental Death only,
Accidental Death and Dismemberment, Permanent Total Disablement,
Temporary Disablement, Medical Expenses/Hospitalization resulting from an
Accident, Evacuation and Repatriation
Optional Extensions
Coverage can extend up to $1,000,000 per person.
Location of coverage
Exclusions
Coverage is available worldwide while on temporary or permanent assignment.
• Nuclear, chemical or biological war; war between the 5 permanent
members of the UN Security Council
• Sickness/disease
• Participation in armed forces operations
• Riding/driving in a race
• Serving as a pilot, student pilot or crew-member of an aircraft
• Suicide or self-inflicted injury
• Drugs or inhalants taken except on the advice of a physician
• Alcohol consumption to the point of intoxication
• Commission of a crime
• Voluntary exposure to danger, except to save a human life
Copyright © 2012 Clements Worldwide. All Rights Reserved.