International Health Insurance Plans For Marine Yacht Crew
The life-style of a yacht crew member is quite exciting and adventurous. The crew travels to new places, cities and countries. Despite the improvement in safety standards of sea voyages; health, safety and security of crew members continues to pose a big risk. Yacht Crew health insurance offers around the year coverage for the adventurous marine crew members.
Life at sea is a tough but usually rewarding. Just as other outdoor profession marine professionals have their own challenges with healthcare. The Marine Crew Insurance makes sure that subscribers have adequate medical protection even when they are miles away from the mainland.
Marine crew health insurance is available to citizens of all countries provided they are members of a crew. These policies offer extensive benefits, both in-patient and out-patient. Charges for hospital room & board, nursing, surgery are covered. Out-patient doctor office visits, prescription drugs are also covered.
Many of the yacht crew health insurance plans require the crew to be in international waters for more than 6 months in a year. It follows that the vessel can be in domestic US territory partially for a year but should sail or dock in foreign territories the rest of the year. Plans have different requirements on the foreign stay.
In addition to in-patient and out-patient medical coverage these marine crew health insurance plans include benefits for medical evacuation and repatriation of remains. So, if an insured crew member has a sudden heart attack then a specially equipped airplane can transport the person to a hospital nearby. Also, if a marine crew member passes away then the plan can pay for the costs for returning the remains back home.
Very few Yacht Crew Insurance can cover pre-existing illness or sicknesses. Most of the plans will either grant coverage conditionally excluding these sicknesses permanently or for a certain number of years. The exclusion period can vary with the company and the sickness of the individual.
Marine crew insurance policies are underwritten by specialty insurance companies that have experience with international risks. These underwriting insurance companies are well equipped to deal with global financial risks and invariably carry a sound financial rating. It follows that the marine crew health insurance companies have multi-lingual staff 24×7.
Very few yacht crew health insurance offer dental and vision benefits. Dental benefits when offered include periodic care, cavity filling and root canal treatment. Usually orthodontics are excluded. There are annual limits for dental and vision treatment on the marine crew health insurance plans.
Ray Sondeo often writes about international health insurance.
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