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 specific needs of mariners offering worldwide coverage. The Marine Crew Health Insurance plans have international benefits enabling marine crew members to obtain healthcare no matter where they travel and live. These marine crew health insurance plans have generous benefits overseas as well as in the home country.

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.

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.

Emergency medical evacuation and repatriation of mortal remains are common additional benefits offered by yacht crew health insurance plans. These yacht crew health insurance policies cover costs for air ambulance units and life-support apparatus during transport. The policy also covers costs for transporting corpses to the mainland.

Most Marine Crew Health Insurance policies do not cover existing chronic illnesses or a medical condition that exists at the time of applying for the plan. Sometimes marine crew health insurance companies may permanently exclude such conditions or out-right deny coverage to individuals with certain sicknesses.

Marine crew insurance policies are underwritten by specialty insurance companies that have experience with international risks. These underwriting insurance companies are well equipped to deal with global financial risks and invariably carry a sound financial rating. It follows that the marine crew health insurance companies have multi-lingual staff 24×7.

Very few yacht crew health insurance offer dental and vision benefits. Dental benefits when offered include periodic care, cavity filling and root canal treatment. Usually orthodontics are excluded. There are annual limits for dental and vision treatment on the marine crew health insurance plans.

Ray Sondeo often writes about international health insurance.