International Insurance Plans For 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.
Yacht crew health insurance addresses the specific needs of mariners offering worldwide coverage. The Yacht Crew Insurance plans have international benefits enabling marine crew members to obtain healthcare no matter where they travel and live. These marine crew health insurance plans have generous benefits overseas as well as in the home country.
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.
Marine vessels and accompanying crew members can only be in domestic waters and territories for fraction of a year. In other words marine crew health insurance is an international insurance plan and as such requires the crew to travel and be away from home for a good portion of the year. Some marine health insurance plans mandate that the crew travel away from home-land for more than 6 months in a year.
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.
Some Marine Crew Health Insurance policies exclude coverage for pre-existing conditions. So it would be difficult to obtain coverage for chronic conditions or risky existing medical conditions. Coverage for such conditions may be permanently excluded or a 12 month wait required for benefits. The wait period for covering pre-existing conditions may vary based on the insurance company.
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.
Dental and Vision coverage on Yacht Crew Health Insurance plans are usually optional. At additional price one can purchase these options. Routine care, filling and root canals are covered under the dental option. The vision option would include a periodic eye exam and contact lens/spectacles supply.
Ray Sondeo often writes about international health insurance.
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