Global Crew Medical Insurance
Comprehensive worldwide medical insurance program for marine captains & crew members
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
Global Term Life Insurance (Including AD&D)
Global Crew Medical Insurance is designed to help protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs. To apply, simply add in the appropriate information and premiums, as outlined in the application, into the calculation for the total premium due.
|31 days - 18||$5,000|
Accidental Death & Dismemberment
|Accidental Loss of Life||Principal Sum*|
|Accidental Total Loss of 2 Members**||Principal Sum*|
|Accidental Total Loss of 1 Members**||50% of Principal Sum*|
*Benefit based on age at time of death.
** "Member" means hand, foot or eye.
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.
Important Notice Regarding Patient Protection and Affordable Care Act (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine if PPACA is applicable to them, and the Company and IMG shall have no liability to any person whatsoever for their failure to obtain or maintain PPACA compliant insurance coverage.
Bronze, Silver, Gold and Gold Plus plan options
- $750 calendar maximum
- $50 deductible (max. 2 per family)
- Class I - 90% (deductible is waived),
- Class II - 70%, Class III - 50%
- 6 month waiting period
- Exams - up to $100
- per 24 months
- Materials - up to $150
- per 24 months
$50,000 lifetime maximum for Eligible Medical Expenses arising out of Injury or Illness incurred by the Insured as a result of or in connection with an act of terrorism. (Refer to rider for more details)
Adventure Sports Rider
Gold Plus and Platinum plan options
$25,000 lifetime coverage for adventure sports. (Refer to rider for a comprehensive list of adventure sports excluded)