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 need for global health protection of marine crews. The Yacht Crew Insurance policies are specialty insurance plans that cover health risks worldwide. These yacht crew health insurance plans have no country or regional boundaries.
The marine crew insurance is available to mariners of any country, provided they are crew members deployed in international waters. These yacht crew plans offer comprehensive medical benefits like emergency hospitalization, surgery and nursing care. These marine crew plans also cover less life threatening issues like doctor visits and prescription medicines.
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.
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.
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.
