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April 5, 2023
Navigating Insurance Waters: The Importance of Personal Insurance for Yacht Crew
April 2, 2024
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Why yacht crew need their own medical insurance

Why yacht crew need their own medical insurance.

 

There are some things you can skip in life, like the odd meal, perhaps a lecture or two, looking for the Loch Ness monster, but as yacht crew, there’s one thing you can’t skip, and that’s private medical insurance. No, no, don’t skip that, here’s why.

Between yacht changes, you won’t have coverage without private medical insurance.

Off piste or piste off

That’s right, depending on your policy you may not be covered for the time you are not working aboard ship. So that means you may not be covered at a time when you need medical cover the most. Taking to white water rapids, off-piste skiing, backpacking in the Azores, not the best time to realise you don’t have medical cover if anything goes wrong. Accidents don’t only happen aboard ship, so you have to be protected at all times.

Computer says ‘Uh oh!’

Then there’s another harbinger of off-yacht reality. You could have an illness which is covered on a group policy while on the yacht, but which is not included in a new personal policy, as it would be considered a pre-existing condition. Most personal policies do not cover pre-existing conditions. Now being young, fit and healthy you might very well think this is one more thing you can skip while off yacht, but you never know when a pre-existing condition can flare up again.

It’s always worthwhile having a conversation with your Boss/Captain about contributing to your personal medical insurance while on shore, after all, it’s in their interests to keep you healthy.

The solution

One thing you must not skip is a talk with us about our Superyacht Crew Medical Insurance Plan.

The plan is provided through Moore Dixon Brokers Limited who were voted by Superyacht Captains and Crew as winner of the ACREW Best Health and Medical Insurance and as finalists of the ACREW Best Service Provider,

Our plan is designed especially for the unpredictable life of yacht crew at sea. Normal medical insurance is not the best fit for yacht crew professionals, but our plan is.

Mind the gap

Moreover, our Superyacht Crew Medical Insurance Plan ensures seamless coverage during yacht changes, addressing the gap in protection that may arise between assignments.

The Superyacht Crew Medical Insurance Plan has several benefits tailored to active yacht crews as they live their exciting lives around the world.

  • The policy can include or exclude the USA, depending on whether you need that cover.
  • There’s a single point of contact
  • Offers a wide choice of healthcare providers and hospitals around the world
  • Takes into account the globetrotting lifestyle of international yacht crew

Make it a must

Make the smart choice for your well-being on and off the yacht – schedule a conversation with us today about our Superyacht Crew Medical Insurance Plan. Your health is your most valuable asset, and our plan is designed to protect it wherever your next adventure takes you. Contact us today

 

Before you set sail again, make sure you take time out from your busy schedule to talk to us about a lifetime of first-class life and medical protection.

For further information talk to us.

 

MOORE DIXON CREW BENEFITS

Melanie Langley – Director
melanie.langley@mooredixon.com
+44 (0)7476 592592
Skype: melanie.langley.mscb

Written by Michael Weare, March 2024