Yacht Crew Health Insurance Plan -Factors To View
March 27, 2010 by Dan Miller
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 health insurance prior to departure, you can insure that you and your crew will be protected.
For US citizens, the same health insurance plan that covers you while in the US may not cover you when you are travelling abroad. Coverage that is offered by government-sponsored for non-US citizens travelling outside of their home country may not be enough to protect them. You are protected no matter where you travel within your pre-selected coverage area with an international marine crew insurance plan.
Coverage for these plans is typically divided into two regions: Worldwide coverage that includes the US and Canada, and coverage that does not include the US and Canada. When you purchase marine crew insurance, benefits include coverage for 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 marine crew insurance plans.
After one continuous year of marine 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.
Outside of medical coverage, there are often additional benefits available with these types of plans. Assistance with legal service referrals, tracking lost baggage and emergency cash transfers are often included in these benefits.
Before you leave on your marine vacation, be sure that you are prepared with a yacht crew insurance plan. The value that is received from these plans for those who are travelling outside of their home country is well-worth the cost of the plan.
Dan Miller frequently writes about marine crew health insurance
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