Professional Captains, officers and crew have unique needs when it comes to health insurance that aren’t met by other plans. Your jobs take you around the world and back again. You deserve health insurance that is globally mobile and won’t tether you to a doctor in your home port. In addition, as a boat owner providing health insurance for your workers can help for variety of reasons.
Benefits of Having Maritime Employers Insurance
Several competitive companies described below can meet your health insurance needs.
What is maritime health insurance and what does it cover? International, annually renewable, long term insurance. These insurance plans offer access to both routine and emergency medical care anywhere in the world. Some plans include US coverage by default, other plans offer the chance to exclude some countries to reduce the premium cost. All plans offer a range of deductibles, evacuation and repatriation. Plans are renewable each year and work very similar to a standard US insurance policy.
Who is it for? Professional captains, officers and crew and their families, who are living on their boats and who are or who intend to make their living on the sea. This could include a sailing couple with a captain’s license starting a charter business, the captain of a private yacht or the crew on any yacht. Some plans ask for the name of the vessel, others do not.
As an owner or captain of a vessel there are some good reasons to carry health insurance.
GeoBlue Navigator has some of the best customer service, fast claims turn around time, up to 9 months in the USA, any doctor outside the US and the blue cross/blue shield network inside the US. Excellent online tools for booking appointments or finding doctors in a foreign port.To find out more about navigator click the link below, check it out, get a quote or even enroll.
IMG is another company that has made a name for itself insuring the captains and crews of the world. They are the best option for the budget minded, and also have a variety of different plans to meet different needs.
Global rescue specializes in extraction and evacuation from remote places to quality medical facilities . If upon arrival at the nearest medical facility you require further care, they will fly you home to the hospital of your choice in your home country. They are NOT an insurance plan, and they do not pay the cost of hospital stays. Nor will they evacuate you off your vessel at sea. But if you are stranded and have a medical emergency on an island, on a mountain or in other remote locations, they will come and get you and get you to medical care.
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