Marine Crew Health Insurance Plan -A Rapid Look
When you explore the world during a marine adventure, it’s exciting and easy to experience new cultures at your own leisure. You must, however, protect yourself and your crew from unexpected emergencies, illness and injury when planning your vacation. By purchasing marine crew insurance prior to departure, you can insure that you and your crew will be protected.
US citizens who are travelling or living abroad may not be covered by the same health insurance plan that covers them while in the US. For non-US citizens travelling outside of their home country, coverage they receive from a government-sponsored plan may not be enough to protect them. With an international marine crew insurance plan, you are protected no matter where you travel within your pre-selected coverage area.
Coverage areas for these types of plans are divided into two regions: Worldwide coverage that includes the US and Canada, and coverage that does not include the US and Canada. By purchasing marine crew health insurance, you will receive coverage for a number of health services, including hospital stays, emergency care and prescription costs.
Deductibles for these types of plans vary, ranging from $250 per insured person, up to $5000. The overall maximum limit per insured person’s lifetime is $5,000,000. Emergency medical evacuation, maternity care and other typically expensive medical services can also be included in yacht crew insurance plans.
After one continuous year of yacht crew insurance, depending on the plan selected, members are eligible for wellness coverage. Members who receive wellness benefits (which are not subject to the deductible) and are under 19 years of age can visit the doctor for $50 per visit, while members who are least 30 years old can receive $250 in coverage. Wellness benefits are intended for routine doctor visits and medical services.
When signing up for marine crew insurance, make sure to disclose any pre-existing medical conditions on your application form. Pre-existing conditions include any injury, illness or mental health disorder or chronic condition that existed prior to submitting your application. Not disclosing these conditions will result in a denial of benefits should you need medical treatment for them during your trip.
There are often additional benefits outside of medical coverage included in yacht crew insurance.Included in these benefits are typically assistance with tracking lost baggage, emergency cash transfers and referrals for legal services.
Before you set sail, be sure that you are prepared with a marine crew health insurance plan. The value that you will receive from the plan makes it well-worth the cost for anyone who will be travelling outside of their home country.
Dan Miller likes to write about marine crew health insurance
