CrewSelect International

International medical insurance for professional marine captains and crew members

Summary of Benefits

Overall Annual Maximum Sum Insured Per Period of Insurance
 
Standard Elite
£1.5M
$2.5M
€1.75M
£5M
$8M
€6M
In-Patient and Day-Patient Treatment
 
Standard Elite
Hospital Accommodation and Theatre Full Cover Full Cover
Accidents, Emergencies, Intensive Care Full Cover Full Cover
Surgeons, Consultants, Anesthetists & Nurses and Ancillary Charges Full Cover Full Cover
Medical Practitioners Full Cover Full Cover
Prescribed Drugs, Dressings and Durable Medical Equipment Full Cover Full Cover
Reconstructive Surgery Full Cover Full Cover
Diagnostic Tests and Procedures, X-rays, Pathology and MRI/CT Scans Full Cover Full Cover
Cancer Tests, Drugs, Treatment and Consultants Full Cover Full Cover
Physiotherapy Full Cover Full Cover
Parental Hospital Accommodation
- With an insured Child under 18
Full Cover Full Cover
Post Hospitalisation Treatment
- Received within 90 days of being discharged from hospital
Full Cover Full Cover
Hospital Cash Benefit £150/$255/ €175/night 60 nights £200/$340/ €235/night 60 nights
Organ Transplant (for major organs) £100,000/$160,000 €117,000 Lifetime Limit £200,000/$320,000 €234,000 Lifetime Limit
Prosthetic Devices Full Cover Full Cover
Psychiatric Treatment
- After 12 months continuous cover under the Policy
Full Cover To a maximum of 30 days Full Cover To a maximum of 30 days
Out-Patient Treatment and Wellness Benefits
 
Standard Elite
Family Doctor, Treatment and Referrals Up to £5,000/ $8,500/ €6,000 Full Cover
Specialists and Consultants Up to £5,000/ $8,500/ €6,000 Full Cover
X-rays, Pathology, Diagnostic Tests and Procedures Up to £5,000/ $8,500/ €6,000 Full Cover
Prescribed Drugs, Medicines, Dressings and Durable Medical Equipment Up to £5,000/ $8,500/ €6,000 Full Cover
Out-Patient Surgery Full Cover Full Cover
MRI and CT Scans Full Cover Full Cover
Cancer Tests, Drugs, Treatment and Consultants Full Cover Full Cover
Physiotherapy, Homeopathic and Osteopathic Therapy Maximum 15 visits as part of the £5,000/$8,500/ €6,000 limit above Up to £2,500/$4,250/ €2,950 for up to 20 visits
Complementary Medical Treatment
- Including Acupuncture and Chiropractic Therapy
Up to £500/$850/ €600 Up to £2,500/$4,250/ €2,950
AIDS/HIV Treatment Up to £5,000/$8,500/ €6,000 with a lifetime limit of £10,000/$17,000/ €11,800 Up to £5,000/$8,500/ €6,000 with a lifetime limit of £20,000/$34,000/ €23,600
Hormone Replacement Therapy Full Cover 18 Month Limit Lifetime Full Cover 18 Month Limit Lifetime
Home Nursing Care
- Primary care services of a registered nurse in the Insured Person’s home immediately after, or instead of, in-patient or day care treatment
Up to £75/$130/ €90/night to a maximum of 45 visits Up to £75/$130/ €90/night to a maximum of 60 visits
Rehabilitation Full Cover Up to 90 Days Full Cover Up to 180 Days
Extended Care Facility Full Cover Up to 6 Months Full Cover Up to 6 Months
Hospice Care Full Cover Up to 6 Months Full Cover Up to 6 Months
Adult Wellness and Health Check
- Medical check-up, cervical smear, mammogram, prostate cancer test - After 12 months continuous cover under the Policy
Up to £150/$255/€175 (Nil Excess) Up to £250/$425/€295 (Nil Excess)
Child Wellness and Health Check
- After 12 months continuous cover under the Policy
Up to £150/$255/€175 (Nil Excess) Up to £250/$425/€295 (Nil Excess)
Psychiatric Treatment
- After 12 months continuous cover under the Policy
Up to £2,500/$4,250/ €2,950 Up to £2,500/$4,250/ €2,950
Podiatry Benefit Up to £500/$750/ €525 per Period of Insurance Up to £500/$750/ €525 per Period of Insurance
Travel, Transportation and Out-of-Area Benefits
 
Standard Elite
Emergency Local Ambulance Full Cover Full Cover
Emergency Evacuation and Transportation Full Cover
To nearest medical facility, country of choice, country of residence, or country of nationality within Your Area of Cover
Full Cover
To nearest medical facility, country of choice, country of residence, or country of nationality within Your Area of Cover
Accompanying Relative Travel and Accommodation Full Cover Full Cover
Cremation/Burial or Repatriation of Remains Up to £7,500/ $13,000/€9,000 Up to £10,000/ $17,000/€11,800
Compassionate Home Visit
- After 12 months continuous cover under the Policy
Up to £1,500/ $2,550/€1,750 Up to £1,500/ $2,550/€1,750
USA Elective treatment within the Provider Network
- Excludes non-emergency travel and accommodation (Applicable to insureds who have not selected Area 3 - Worldwide Cover)
Up to £500,000/$850,000/ €600,000 with 20% co-insurance (Nil Excess) Up to £500,000/$850,000/ €600,000 with 20% co-insurance (Nil Excess)
Worldwide Accident and Emergency Out-of-Area Cover 45 Days Maximum 60 Days Maximum
Cover in Respect to Pre-Existing Conditions and Chronic Conditions
 
Standard Elite
Pre-Existing Conditions

Individual: Available after 24 months continuous cover under the Policy

Group: Declared and accepted conditions, within previous 3 months. Covered if treatment free for 6 months or after 12 months.
Individual: Up to £2,000/$3,400/ €2,350 with a lifetime limit of £20,000/ $34,000/€23,500



Group: Full Cover
Individual: Up to £3,000/$5,100/ €3,550 with a lifetime limit of £30,000/ $51,000/€35,500



Group: Full Cover
Chronic Conditions and Palliative Care Covered as part of the pre-existing medical limits above Covered as part of the pre-existing medical limits above
Stabilisation of Acute Chronic Episode Full Cover Full Cover
Dental Treatment
 
Standard Elite
Emergency Treatment (In-Patient or Day-Patient) Full Cover Full Cover
Accidental Damage

Individual: Out-Patient Treatment/Dental Surgery must be received within 5 days from the date of the accident occurring, or immediately upon arrival in the next Port, whichever is later

Group: As necessary to restore or replace sound natural teeth damaged in an accident leading to injury covered under this insurance
Up to £250/$425/€295 Full Cover
Emergency Treatment (Out-Patient/Dental Surgery)*
- For relief of pain, being treatment of an abscess, cracked or broken tooth rebuild or temporary filling within 5 days of the event, or immediately upon arrival in the next Port, whichever is later
No Cover Up to £250/$425/ €295 in aggregate – subject to 25% co-insurance (Nil Excess)
Routine Treatment (Out-patient)*

a) examinations, check-up and x-rays

b) tooth cleaning and polishing

c) normal compound fillings, simple or non-surgical extractions

*incurred after 180 days of continuous coverage >
No Cover Up To £400/$675/€475 in aggregate

a) £50/$85/€60/ visit, maximum two visits each period of insurance

b) £50/$85/€60/ visit, maximum two visits each period of insurance

c) £50/$85/€60 each tooth (£80/$135/€95 wisdom tooth)

Subject to 25% co-insurance (Nil Excess)
Major Restorative Treatment*
- Removal of impacted, buried or unerupted teeth, removal of roots, removal of solid odontomes, apicetomy, new or repair of bridgework, new or repair of crowns (not precious metal), root canal treatment, new or repair of upper or lower dentures *incurred after 12 months from the Effective Date of Coverage
No Cover Up to £750/$1,300/€900 in aggregate, subject to 50% co-insurance (Nil Excess)
Maternity Cover Available After 12 Months Continuous Coverage
 
Standard Elite
Pregnancy Complications Including Medically Required C-Section Up to £10,000/ $17,000/ €11,800 Full Cover
Normal Pregnancy and Delivery
- Including Premature Birth Treatment, Pre-, Post- and Routine Natal Care
No Cover Up to £5,000/ $8,500/ €6,000 subject to 20% co-insurance
Newborn Hospital Accommodation No Cover Up to 14 Days
Newborn Examination No Cover Up to £150/$255/€175
New Baby Benefit No Cover £100/$170/€120 (Nil excess)
Cover for Newborns £10,000/$17,000/ €11,800 must enroll with parents in 31 days £25,000/$42,500/ €29,500 must enroll with parents in 31 days
Non-Medical Covers and Benefits
 
Standard Elite
Out-of-Country Legal Expenses Up to £5,000/$8,500/ €6,000 (£250/$425/ €295 Excess) Up to £7,500/$13,000/ €9,000 (£250/$425/€295 Excess)
Vision Contribution Benefit No Cover £200/$340/€235 subject to 50% co-insurance
Trip Interruption Up to £5,000/$8,500/ €6,000 per Period of Insurance (Nil excess) Up to £7,500/ $13,000/ €9,000 per Period of Insurance (Nil excess)
Lost / Theft– Luggage / Personal Papers Up to £500/$850/€600 per Period of Insurance (Nil excess) Up to £500/$850/€600 per Period of Insurance (Nil excess)
Special Marine Benefit
 
Standard Elite
Amateur Sailboat Racing Coverage Up to £6,000/ $10,000/ €7,100 per Period of Insurance and £29,000/ $50,000/ €34,000 per Lifetime Up to £10,000/$17,000/ €11,800 per Period of Insurance and £50,000/$85,000/ €60,000 per Lifetime
Recreational Underwater Activities Coverage
- Includes Sports Diving to depths of 30 meters>
Full Cover Full Cover
Special Crew Member Return Benefit Individual: Up to £2000/$3000/ €2100 per Period of Insurance
Group: Up to £500/$850/ €600per Period of Insurance
Individual: Up to £5000/$7500/ €5250 per Period of Insurance
Group: Up to £500/$850/ €600 per Period of Insurance
Other Services and Benefits
 
Standard Elite
24 Hour Emergency Helpline Included Included
USA Medical Concierge Service (For Eligible Treatment in the USA) Included Included
Medical Information Service - Access to board-certified physicians, licensed psychologists and pharmacists to assist with any routine health related questions Included Included
Worldwide Cover: Limits per Insured Person Caused by Accident
 
£GBP$USD€Euro
1Accidental Death Benefit   
-(Adult) Aged 19 years and over£70,000 per unit$125,000 per unit€105,000 per unit
-(Child) Aged 31 days through 18 years£5000 maximum$9000 maximum€7500 maximum
2Permanent Total Disablement
(which entirely prevents an insured person from any occupation to which he or she is suited by way of education, training or experience and which lasts 12 months and at expiry of this period is beyond expectation of improvement).
£70,000 per unit$125,000 per unit€105,000 per unit
3Total and permanent loss of sight of one or both eyes£70,000 per unit$125,000 per unit€105,000 per unit
4Total and permanent loss of use of one or more limbs£70,000 per unit$125,000 per unit€105,000 per unit
5Total and permanent loss of sight of one eye and one limb£70,000 per unit$125,000 per unit€105,000 per unit
6Total and permanent loss of hearing in both ears£10,000 per unit$18,000 per unit€15,000 per unit
7Total and permanent loss of speech£10,000 per unit$18,000 per unit€15,000 per unit
8Second Degree Burns
(affecting more than 10% of the body surface)
£2500 per unit$4500 per unit€3750 per unit
9Third Degree Burns
(affecting more than 15% of the body surface or more than 50% of the surface of either hand)
£5000 per unit$9000 per unit€7500 per unit

Optional Add-On Benefits

CrewSelect International is designed to protect individuals and groups from the high costs of medical expenses. In addition to each sub-plan option’s benefits, you may also select the following optional add-on benefits:

  • Global Personal Accident Plan
  • Global Daily IndemnitySM - Hospital Income Plan 

These valuable additional covers are easy to apply for, require no additional medical information or examination, and if you are accepted for the CrewSelect International plan then your acceptance is guaranteed for these additional covers. Simply complete and return the optional additional covers portion of the application with the appropriate premiums as outlined in the application.

Separate policy documentation will be issued alongside your CrewSelect International plan for any additional cover you apply for.  For the full policy terms and conditions relating to these options, please refer to the relevant policy documents (available upon request).

Global Daily Indemnity - Hospital Income Plan

As we all know, unfortunately your financial obligations and bills will continue even if you are hospitalized. The Global Daily Indemnity Hospital Income Plan is an excellent way to offset these expenses while you are in the hospital and unable to work. Global Daily Indemnity - Hospital Income Plan will pay you a fixed sum direct, for each night you are required to stay overnight as an in-patient in a hospital. The hospital stay must be covered under your CrewSelect International plan in order to be eligible for this indemnity, and hospital stays related to pregnancy are not eligible.

Available only between ages 19-69 £GBP 60 $USD 100 €Euro 70

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

*This Web page contains only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the Certificate Wording for a complete description, which is available upon request. The currency in which you pay your premium, being either £ Sterling, $ USD or € Euro, is the currency that applies to your plan for the purposes of benefits and limits.

Underwritten by Sirius International Insurance Corporation (publ) (the “Insurer”). Administered, as agent for and on behalf of the Insurer, by International Medical Group, Inc. (“IMG”). Coordinated, as agent for and on behalf of the Insurer for the purposes of receiving premiums, receiving and holding claims money; and receiving and holding premium refunds, by IMG Europe Ltd.

Global Personal Accident Plan

The Global Personal Accident Plan also provides cover in the event of an accident which results in your permanent total disablement, total and permanent loss of speech, hearing or sight, total and permanent loss of use of one or more limbs, or second and third degree burns. Those approved for CrewSelect International and under age 70 are automatically eligible for Global Personal Accident Plan at the time of application.

Global Personal Accident Plan is an optional program purchased in units. The number of units applicants may purchase is based upon their age at time of application and each subsequent renewal. Applicants who are between the ages of 65 and 69 are eligible for one unit of cover. Applicants from age 19 through age 64 are eligible for two units of cover.

The Global Personal Accident Plan is an optional cover that is purchased in 'blocks of cover' also known as ‘units.’ The maximum number of units you may purchase depends upon your age at the time of application and each subsequent renewal. Applicants aged 31 days through 18 years, and 65 years through 69 years are eligible for one unit of cover. Applicants aged 19 years through 64 years are eligible for up to two units of cover. The second 'supplemental' unit is at a discounted rate to the first 'standard' unit of cover. Child Personal Accident cover is also available at a discounted rate.

If an insured person suffers more than one loss for any one accident, we will pay only one benefit amount which is determined to be the highest benefit payable not to exceed the Permanent Total Disablement Benefit limit purchased. Injury or death must result in loss within 12 months after the date of the accident. The Global Personal Accident Plan does not include cover for accidents arising from manual or hazardous occupations, dangerous sports, pursuits or activities, driving or riding on motorcycles, motorbikes or mopeds. If you are unsure, or your occupation is not purely office-based, or you take part in any dangerous sports, pursuits or activities, please give full details on a separate sheet when submitting your Application Form. We will then advise if cover can be granted. War and terrorist risks can not be covered in certain hazardous countries.

Note: This is a summary of cover. It is not considered to be the Policy Wording. Full details of cover, terms, conditions, limitations and exclusions that may affect benefits payable are provided in the Policy Wording (available upon request).

  • Persons Aged 19 Years through to 64 Years can choose to purchase either one or two units of cover.
  • Persons Aged 65 years through to 69 Years can purchase a maximum of one unit of cover.
 

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  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.