Yacht Crew Health Insurance
A mariner’s career is often thought to be richly rewarding and adventurous with plenty of travel. However, life at sea is often very demanding and comes with interesting healthcare challenges. Mainstream health insurance companies shy away from insuring the health of yacht crew members because they are not willing to take the additional risk and work with foreign healthcare providers.
Yacht crew health insurance addresses the need for global health protection of marine crews. The Yacht Crew Health Insurance policies are specialty insurance plans that cover health risks worldwide. These yacht crew health insurance plans have no country or regional boundaries.
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.
A yacht crew health insurance may require the naval vessel to spend a certain minimum amount of time in foreign waters; the minimum time may be 6 months for some plans or longer for others. The yachts or ships can be in domestic waters or docked at domestic ports for some part of the year.
Along with the typical benefits offered by common health insurance plans, the marine crew health insurance plans also offer coverage for medical evacuation and repatriation. Medical evacuation refers to the transport of the sick or injured in specially equipped airplane/vehicle to a medical facility. Repatriation refers to the packing and transporting the remains of a crew member from the vessel to the home of the crew member on the mainland.
Some Marine Crew 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.
Yacht crew health insurance draws support from the underwriting services of large insurance companies. These international health insurance companies have years of experience in this segment and have reliable financial ratings. These yacht crew health insurance plans are backed with around the clock help line and global evacuation networks.
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.
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