International Marine Medical Insurance

Worldwide group coverage for professional marine crew

Medical Benefits Summary

The following is a schedule of benefits for IMMI. The plans reimburse a Usual, Reasonable and Customary (URC) amount for the treatment you receive. All amounts are shown in U.S. dollars and subject to deductible and coinsurance unless otherwise noted.

Plan Information
 
Coverage Type Primary to P&I
Coverage Area Worldwide
Rate Guarantee Initial 12 months
Maximum Benefit $5,000,000 per Period of Coverage per Insured Person
Deductible - Calendar Year Select from deductible options $100 to $10,000
Chiropractic Care
 
Medical expenses incurred outside the U.S. and Canada Plan pays 100% of eligible charges after deductible
Medical expenses incurred in the U.S. using the PPO Plan pays 100% of eligible charges after deductible
Medical expenses incurred in the U.S. outside the PPO and Canada Plan pays 80% up to $5,000 of eligible charges after deductible; thereafter plan pays 100% of eligible charges
Independent U.S. Preferred Provider Network Provided through UnitedHealthcare
Physician Office Benefits
 
Wellness Benefit - Available after 12 months on plan Plan pays up to $250 per calendar year
Illness or Accident Benefit Subject to deductible & coinsurance
Hospital Benefits
 
In-patient & Out-patient Subject to deductible & coinsurance
Emergency Room - Injury Subject to deductible & coinsurance
Emergency Room - Illness Subject to an additional $250 deductible if treatment does not require admittance to the hospital (waived outside U.S. and Canada)
Other Benefits
 
Local Ambulance Subject to deductible & coinsurance
Hospital Daily Indemnity $50 per night (max. 20 nights) for in-patient hospitalization outside the U.S. and Canada
Emergency Medical Evacuation Up to $1,000,000 lifetime maximum benefit per person
Emergency Reunion $10,000 lifetime maximum benefit - subject to deductible & coinsurance
Supplemental Accident $300 - no deductible or coinsurance
Return of Mortal Remains $25,000 per insured person
Human Organ Covered Transplant $1,000,000 lifetime maximum
Home Health Care, Extended Care Facility, Hospice Subject to deductible & coinsurance
Chiropractic Care $75 per visit, maximum of 20 visits per calendar year, not subject to the deductible
Physical Therapy $75 maximum benefit per visit
Prescription Drugs Subject to deductible & coinsurance
Vision Benefit (Available after 12 months of continuous coverage)
 
Exams $100 per 24 months
Corrective lenses and/or frames $150 per 24 months
Mental/Nervous (Available after 12 months of continuous coverage) Covered to $10,000 per calendar year, $20,000 Lifetime Maximum
Pre-existing Medical Conditions Waiting period of six months if no treatment is received, starting on the effective date. If treatment is received or recommended in the first six months, then 12 month waiting period applies.
Maternity Coverage (Available after 10 months of continuous coverage) Covered same as any illness
 
Pre-natal Care - Delivery of Newborn - Post-natal Care (Maternity must be covered) Subject to deductible & coinsurance
Newborn Baby Care; Well-Baby (Maternity must be covered) Routine care for the first 31 days of life
Additional Benefits
 
Crew Member Return Up to $2,500 per calendar year
Amateur Sailboat Racing Paid same as any other Illness/Injury
Recreational Scuba Paid same as any other Illness/Injury
Optional Riders
 
Adventure Sports Rider Provides coverage for a number of adventure sports not included in the plan
Maritime Rider Allows the shipowner to insure his responsibility under the MLC to return a crew member deemed “unfit for duty” to his home country, resident country or country designated in his employment contract. Sudden recurrence of pre-existing conditions are covered as well to stabilize the insured.

Schedule of Benefits Plan I Plan II Plan III
Class I, Diagnostic, Preventive (Emergency Palliative Treatment - Not subject to deductible) 100% 100% 100%
Class II, Basic Service, Diagnostic, Preventive (X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia) 80% 80% 80%
Class III, Major Services, Diagnostic, Preventive (Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)) 50% 50% 50%
Orthodontia (Lifetime maximum $1,000) N/A 50% 50%

Dental Insurance Plan I Plan II Plan III
Calendar Year Maximum per Person $1,000 $1,000 $1,500
Deductible $50 $50 $50

Term Life and Accidental Death and Dismemberment Insurance

  • Group Life benefit automatically includes:

    • Term Life Insurance Benefit
    • Accidental Death Benefit
    • Dismemberment Benefit

  • 10 or fewer IMG insured employees: $10,000 minimum required
  • Guarantee Issue to $100,000

    • Additional underwriting $100,001 - $250,000
  • Group Life can be issued as a flat amount (e.g. $50,000) or by salary (e.g. 2 x salary)
  • Group Life ADEA Reduction Schedule

    • Less than age 65: Full amount payable ƒƒ
    • Ages 65-69: 35% reduction ƒƒ
    • Ages 70-74: 55% reduction ƒƒ
    • Ages 75-79: 70% reduction ƒƒ
    • Age 80+: 80% reduction

Emergency Travel Assistance

Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete array of emergency travel assistance services so they can spend more time enjoying their international experience and spend less time worrying about the smaller issues. Some services provided include:

  • Emergency travel arrangements
  • Lost passport/travel documents assistance
  • Lost luggage assistance
  • Embassy or consulate referrals
  • Emergency message relay
  • Emergency prescription replacement
  • Medical referrals
  • 24-hour medical monitoring
  • Emergency cash transfer and emergency translations
  • Legal referrals

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.

Exclusions and Limitations

The following is a summary of some of the items that are excluded from coverage* under IMMI.

  • Pre-existing conditions*
  • Treatment, services or supplies that are not administered or ordered by a licensed physician
  • Treatment, services, or supplies that are not medically necessary
  • Charges that exceed Usual, Reasonable and Customary charges
  • Surgeries or treatments that are investigational, experimental or for research purposes
  • Confinement primarily for custodial, educational or rehabilitative care
  • Weight modification or treatment for obesity
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery
  • Treatment for a person who was HIV+ prior to the person’s effective date
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
  • Hearing aids
  • TMJ dysfunction
  • Injury sustained from Hazardous Sports activities
  • Injury sustained while under the influence of alcohol or drugs
  • Self-inflicted injury or illness
  • Charges resulting from or during the commission of a crime n Services or supplies performed or provided by a relative
  • Speech, vocational, occupational, biofeedback, recreational, sleep or music therapy
  • Services or supplies performed or provided by a relative
  • Care and treatment for hair loss
  • Exercise programs
  • Corrective eye surgery
  • Certain care, treatment or supplies for the feet
  • Congenital disorders
  • War and Terrorism
  • Genetic testing or treatment
  • Charges for treatment of an injury which occurs during work at any job for pay or profit, except for work performed for the insured vessel

*Pre-existing conditions are Any Injury, Illness, sickness, disease, medical or health condition (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or Treatment was recommended or received during the three (3) month period ending on the Enrollment Date.

 

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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
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

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