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Yacht Crew Medical Insurance
If you are employing paid crew on your yacht, you will need to give thought to some further insurances to protect them, and to protect yourself against claims they may make against you. If you have paid crew, you could be deemed an employer and, as such, will have obligations and potential liabilities as an employer.
Do I need Crew Medical Insurance?
The Maritime Labour Convention (MLC), which came into force in 2013 sets out the rights of seafarers and the responsibilities of their employers. Part of your responsibility as an employer of paid yacht crew is, in line with the requirements of the Maritime Labour Convention, to cover those costs and expenses which arise out of your duty to provide good working conditions. This should include the provision of medical care, repatriation etc which are not predictable and which are the result of an event which is outside your control together with those costs and expenses which are predictable for example, routine medical and/or dental examinations or treatments.
Pantaenius offers a comprehensive range of insurance solutions for those yacht owners who employ a paid crew including a dedicated Crew Medical Insurance policy designed for employed crew requiring international health insurance.
Pantaenius Yacht Crew Medical Insurance
The Pantaenius Yacht Crew Medical Insurance covers crew medical expenses 24/7, in patient/out patient treatment, hospital accommodation (up to the limits of the plan) and routine dental (up to the limits specified). It provides private health care in the event that the crew member requires medical treatment regardless of whether the illness or injury was work related.
Two levels of cover are offered, a Premier Plan and a Basic Plan, with premiums based on the selected geographical area. Both Basic and Premier plans include a wide range of benefits, including:
- Cover for chronic conditions
- Cover for pre-existing conditions (without surcharge)
- Daycare treatment
- Diagnostic tests and scans
- Oncology
- Emergency dental treatment
- Full refund of emergency medical evacuation/repatriation costs