Walking along the deck of a cruise ship at seaUnderstanding insurance and all the details that go with a policy can be difficult to say the least. Even more so for cruise line crew members, or anyone who requires international coverage. With so many “moving parts”, if you have never used your coverage, or learned how to maximize your coverage, it can be quite a daunting task figuring out where to even start. Which is where we come in! We have provided below information to help you better understand your coverage.

Getting Started

When you first enroll in your new insurance policy, take the time to set up a personal online account. Part of setting that up includes getting your ID cards, downloading any corresponding apps, and obtaining any policy documents. It’s also important to save these documents or know where to find them in your personal online account.

When it comes to reviewing your policy, we recommend looking at the digital copy online so you can find specific terms and sections using the search function (Ctrl+F). Also, be sure to review the Summary of Benefits, which is an overview of your coverage. It is always best to read through the entire policy document for additional conditions and requirements or exclusions. For example, Physical Therapy might be listed in your summary with limits or conditions. If you review the policy further, it may state that you are required to obtain a physician’s prescription.

Finding a Provider

When trying to find a doctor or a provider, there are some things you need to know. When outside of the United States, you are not required to see a particular provider. Most insurance companies will offer a section in their website that allows you to search for providers in different countries. However, when inside the United States, it is recommended that you see a provider within the Preferred Provider Organization Network (PPO) when possible.

A PPO provider is a group of doctors that have agreed to provide care under your plan at a certain rate. Staying within the PPO usually offers the best coverage and overall discounts. When accessing your personal account online, you can search for PPO providers in your area. If you have a doctor already, but they are not in the PPO, you are still able to stay with this doctor, but the amount you must pay may be different for some services. In your policy Summary of Benefits, you can see what the coverage is for services outside of the PPO network.

Do I Need to Pre-Certify?

First things first, what does pre-certify even mean? Pre-certification is the process used to determine whether the services delivered or scheduled to be delivered to a patient are medically necessary and appropriate. It also allows your insurance company to assist in managing your health care costs. It is required when something is “major”, such as surgery or being admitted in the hospital as an inpatient. A detailed list of all the items that require pre-certification will be in your policy. If you are not sure if your procedure requires pre-certification, you should contact your insurer directly.

There is no need to pre-certify when going through routine doctor’s appointments, check-ups, or other minor office visits. But we recommend that you always check pre-certification requirements before any procedure or treatment. Some policies reduce the percentage of coverage if you have not pre-certified your services. It can be up to 50% of a reduction in coverage, so it is important to ensure anything major be pre-certified.

These are just a few basics in understanding your insurance coverage. MHG Insurance has been helping seafaring crew throughout the world for over 30 years. We believe ensuring that crew get the insurance support they need in a timely manner is not only essential but a fundamental service as your broker.

In our next blog, we will cover Insurance Claims - When to File and Key Points to consider. For questions or assistance, please contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Until then, happy and healthy sailing!

Understanding insurance and all the details that go with a policy can be difficult to say the least. Which is where we come in!

summer tropical beach background; glasses and palm tree reflexThe weather is nice, the kids are home for summer, are you ready for a vacation? It is safe to say that many of us would have the same answer to that question. YES! Even though most cruise line crew members have been home, as cruising has been at a standstill, we know how hard this year has been for everyone mentally and physically. Rest and relaxation are crucial, with a tumultuous year seemingly more and more in our rear view, and summer front and center, it may be time to start planning a getaway. While we are not out of the woods completely in terms of the pandemic, there is no denying that the world is itching to get “back to normal”. However, there are some important steps you need to consider when you decide it is time to get away.

As we have all witnessed, having proper medical coverage is more important now, than ever before. There are still some unknowns regarding travel, and who knows about potential hotspots. Having necessary preparations in place can make the difference between a stressful or stress-free time away. No one wants their summer vacation ruined, especially with it being the first one in a while. Which is why we decided to put together a checklist for you and your family to make sure you are “insurance ready” for your next holiday or vacation!

Plan Ahead

Plan now so you do not have to worry about it later. We realize the last thing you want to think about when planning a fun and exciting trip is insurance but being “insurance prepared” can help ensure a stress-free enjoyable time. When planning, ask yourself these questions:

  • If you get sick or injured, are you covered in the country you are traveling to by an existing insurance policy?
  • Are you required to have proof of medical coverage in the country you are traveling?
  • If you do have proper insurance, does it have ample coverage to protect you and your family in case of an emergency?

In addition to insurance related preparations, there are some medical housekeeping preparations you should consider as well:

  • Do you have enough of your medication for the time you will be away?
  • If you lost or forgot your medication, do you have a list of the meds you take and can you obtain them in the country you are visiting?
  • Do you know who to contact in the event of an emergency?

Things to Consider

When thinking about medical coverage, there are some things you should consider, depending on what your trip has in store. For example, does the medical plan include the following:

· Will there be coverage for the unexpected illness or injury that occurs while you are traveling to your destination?

· Is there evacuation cover in case of serious injury?

· Does your policy have restrictions on activities considered to be “Extreme” sports?

· Does your plan have a mobile app, and have you uploaded it to your phone?

· Is telemedicine covered? (i.e., telehealth or Dr. on demand)

Obviously, there is no way to totally plan for the unexpected, however that is why you plan ahead. As different policies offer different benefits, you may wish to check your policy wording for any specific exclusions. It is recommended that you always travel with your ID card, a list of emergency contacts, and have access to your insurance policy. Be sure to stay tuned to our website for future blogs and articles explaining what to do in case you need to use the coverage, and how to properly navigate your way through the claims process.

MHG Insurance offers different insurance solutions for many areas of business. Our experience and role in the cruise industry is something that we hold in high regard. Our vacation medical plans for officers and crew are tailor made to fit your specific lifestyle. If you have any questions regarding your existing plan, or are interested in purchasing individual marine crew insurance, contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget.

The weather is nice, the kids are home for summer, are you ready for a vacation? It is safe to say that many of us would have the same answer to that question. YES!

A luxury yacht docked in the marina.Special jobs require special insurance, and that couldn’t be more true when it comes to choosing the insurance for your crew. Having your yacht crew covered with proper insurance goes deeper than selecting a good policy for everyone or trying to save money here and there. As you may know, there is often a lot of turnover among crews, which also bring added costs and expenses. According to Superyacht News “Each time a lower-rank crew member leaves, it costs the yacht owner up to €5,000, even €10,000. With officers, it can easily get up to €20,000 in flights, paperwork, specific boat training, safety drills, uniforms, ‘lost’ inventories, mistakes and breakage.”

Offering a competitive benefits package could be a way to keep crew members happy and engaged. There are several different policies that you should consider if you are the decision maker. Whether you are a Yacht Owner, Yacht Captain, or the person who has been delegated the responsibility of selecting the insurance for everyone on board, we are here to help!

Medical/Health Insurance

Health or medical insurance can speak for itself. While most people are familiar with having health insurance or what comes with it, there are many different aspects of a plan to consider. What’s the deductible? Is there a co-pay? What about co-insurance? Does it include dental and vision? If you feel overwhelmed, please feel free to contact us for assistance and guidance on what plan would fit your yacht crew best.

Life insurance

While many consider life insurance as a personal option, there are a growing number of yachts that are including life insurance coverage as part of their benefits package. Offering coverage for your crew may give them some assurance that if anything happens to them while they are at sea, their loved ones will be more able to cope financially back home. Typically, the coverage amount is fixed in increments of $10,000, up to $100,000.

Accidental Death and Dismemberment

Accidental death and dismemberment, also known as AD&D, is very similar to life insurance. The difference is that there is only a benefit from an accidental death, or dismembering injury. This type of insurance typically provides coverage 24/7, not just while at work.

Personal Accident

Personal accident is similar to dismemberment coverage and is an important insurance policy for your crew members. Often referred to as PA cover, personal accident insurance will pay out a sum of money for permanent injury (and sometimes permanent illness). It is often confused with medical insurance; however, it doesn’t provide coverage for any medical bills or doctors’ appointments, it simply provides a one-time payment after experiencing a permanent injury or illness.

Disability Insurance

Disability insurance is a great way to offer coverage for your crew in the event they get hurt and cannot work for a short period of time. Having this policy will cover a percentage of the person’s wages if they are unable to perform their occupation and can last for up to two years due to an injury or illness. If the disabling event becomes permanent, the personal accident (if purchased as above) may kick-in and pay a lump sum.

Hospital Indemnity

Hospital indemnity insurance at first glance would make you think that it covers hospital visits, however that is not the case. Think of this type of insurance as a poor man’s disability insurance. Depending on the policy, it provides a benefit each day your crew member is in the hospital. For example, if someone were hurt on the job and had to go to the hospital, the insurance would pay that person $100 per day that they are admitted in the hospital. This does not cover their hospital bills; it just provides the person with an added benefit.

Features That Are Not Features

While the above list is not exhaustive of every option and feature, one thing to note is that some insurance providers tout features that do not hold true. For example, there is no such thing as a Maritime Labour Convention (MLC) compliant yacht crew insurance. It sounds good, but it means nothing. Another thing to be wary of is a plan that says, ‘unlimited coverage’. Almost always with international policies, there are restrictions and limitations on the benefits such that the ‘unlimited’ part is quite ‘limited’.

Having proper insurance is important whether you are at sea or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

Special jobs require special insurance, and that couldn’t be truer when it comes to choosing the insurance for your crew.

Horizontal color image of two people - attractive crew members -  standing on luxury yacht boat at harbor and looking at beautiful sunset.Most professions will have times of the year when there is a busy time and a slow time, that is no different for yacht crew. However, just because you may be headed to the off-season, that does not mean you should not stay busy.

How Can Crew Make the Most of the Off-Season?

If you are between yachts or just have some down time due to the yacht not being used as much, it is important to use the available time in your favor. First off, try making a checklist of things you would like to accomplish with your time. Whether there are tasks you need to complete to advance your career, or just some personal items, try your best to stay organized and on top of things.

Stay Within the Industry

The yachting industry is worldwide, yet it is still a small industry in terms of players. Therefore, if you are not participating in the industry, it is much easier for an opportunity to go to another person. Stay involved and stay connected to the best of your abilities.

Keep Licenses Up to Date

Keep up on any licensing renewals that you may need to take care of, and that includes your ENG 1. If you are looking to move up, taking courses that improve your skills or certifications is also a great way to make use of any spare time. Most professions require people to work and take classes at the same time, so it is highly recommended to make use of any growth opportunities!

Take Care of You

Down time is a great time to re-evaluate your health habits. Do you eat right? Do you exercise regularly? Do you have a healthy stress outlet? This is a great time to assess how well you are taking care of your personal health and wellbeing. It is a lot easier to create new and healthy habits when you are not under stress and high workloads like when you are on back-to-back charters or Owners trips.

Having proper insurance is important whether you are at sea or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

Most professions will have times of the year when there is a busy time and a slow time, that is no different for yacht crew. However, just because you may be headed to the off-season, that does not mean you should not stay busy.

Young happy couple and their insurance agent working on a computer during a meeting in the office.What is the difference between a broker and an agent?

The main difference between an insurance agent and an insurance broker is that agents represent insurance companies, and brokers represent customers. Knowing the difference can be extremely helpful when you are shopping for a new policy or in the market for new coverage.

Why do brokers have a stigma?

Insurance brokers are not evil, in fact they are quite helpful. It is a common misconception that brokers work for insurance companies, however that could not be further from the truth. As insurance brokers, we work for you, the people!

It is also incorrect that working through an insurance broker costs the client more money. In contrast, working with a broker can save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgement of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

What does a broker do that I cannot do myself?

First, they spend all day, every day dealing with insurance. They know the insurance industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Second, insurance brokers evaluate and research the marketplace on a regular basis. A reputable broker knows the dynamics of the insurance industry, what the headlines are, what is no longer relevant, and which carriers provide consistent service. Nothing is more frustrating than finding an insurance plan that fits your needs, only to realize at time of claim that the company does not deliver.

Finally, as stated before, a broker advocates and works on your behalf. When a situation arises where a helping hand is needed, you can turn to your broker for assistance, leaving you to continue to concentrate on your work.

How do you know if a broker is reputable?

Word of mouth is the best form of marketing for a business, as well as the best form of research for a customer. There is no better way to find something than by asking someone you trust who has experience with your issues or concerns. This is also the case when finding a good insurance broker. Generally, though, you want to look for a broker with experience and longevity in the health insurance business and one who certainly should be able to provide references. It is also important that the broker is specialized and experienced in the yacht crew area as it is quite different from the typical expat insurance market.

Having proper insurance is important. MHG is your specialized broker when it comes to marine specific insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Learn about the benefits of using an insurace broker, and why everyone needs to consider usig one.

Mega Yacht at anchorChoosing insurance for your crew could be a more complicated job than you originally imagined. There is a lot of research to be done, quotes to be reviewed, and conversations to be had when deciding on what the best insurance options are for your crew. After all, crew insurance is not crew insurance, there is not one solution for all. That may not make much sense, but let me explain.

Having your yacht crew covered with proper insurance goes more in depth than having just one kind of insurance, or trying to pick the best price between two policies. There are several different policies that you should consider if you are the decision maker. Whether you are a Yacht Owner, Yacht Captain, or the person who has been delegated the responsibility of selecting the insurance for everyone on board, we are here to help!

Medical/Health Insurance

Medical insurance can speak for itself. Many of us are familiar with it because of the amount of times that we use it. However, there are many different aspects of a plan to consider. What’s the deductible? Is there a co-pay? What about co-insurance? Does it include dental and vision? If you feel overwhelmed, please feel free to contact us for assistance and guidance on what plan would fit your yacht crew best.

Life insurance

While having life insurance is a personal option, there are yachts that include life insurance coverage as part of their benefits package. Offering coverage for your crew may give them some assurance that if anything happens to them while they are at sea, their loved ones will be more able to cope financially back home. Typically, the coverage amount is fixed in increments of $10,000, up to $100,000.

Accidental Death and Dismemberment

Accidental death and dismemberment, also known as AD&D, is very similar to life insurance. The difference is that there is only a benefit from an accidental death, or significant dismembering injury. This type of insurance typically provides coverage 24/7, not just while at work.

Personal Accident

Personal accident is a crucial insurance policy for your crew members. Often times referred to as PA cover, personal accident insurance will pay out a sum of money for permanent injury (and sometimes permanent illness). It is often confused with medical insurance, however it doesn’t provide coverage for any medical bills or doctors’ appointments, it simply provides a one-time payment after experiencing a permanent injury.

Disability Insurance

Disability insurance is a great way to offer coverage for your crew in the event they get hurt and can’t work for a short period of time. Having this policy will cover a percentage of the person’s wages if they are unable to perform their occupation and can last for up to two years due to an injury or illness. If the disabling event becomes permanent, the personal accident (if purchased as above) may kick-in and pay a lump sum. 

Hospital Indemnity

Hospital indemnity insurance at first glance would make you think that it covers hospital visits, however that is not the case. Think of this type of insurance as a poor man’s disability insurance. Depending on the policy, it provides a benefit each day your crew member is in the hospital. For example, if someone was hurt on the job and had to go to the hospital, the insurance would pay that person $100 per day that they are admitted in the hospital. This doesn’t cover their hospital bills, it just provides the person with an added benefit.

Features That Are Not Features

While the above list is not exhaustive of every option and feature, one thing to note is that some insurance providers tout features that do not hold true. For example, there is no such thing as a Maritime Labour Convention (MLC) compliant yacht crew insurance. It sounds good, but it means nothing. Another thing to be wary of is a plan that says ‘unlimited coverage’. Almost always with international policies, there are restrictions and limitations on the benefits such that the ‘unlimited’ part is actually quite ‘limited’.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

Having your yacht crew covered with proper insurance goes more in depth than having just one kind of insurance, or trying to pick the best price between two policies. There are several different policies that you should consider if you are the decision maker.

Closeup side view of black luxury yacht agains blue sky in sunlight with copy spaceIf you are not working in the insurance industry, there is a good chance that insurance lingo can provide you with some head scratchers. Words and terms that we don’t use in everyday life can leave people feeling confused. So, we thought it would be helpful to put together a list of terms that we find ourselves explaining frequently. Hopefully this list will give you a better understanding of healthcare in general and be able to assist you when purchasing your future plans from the healthcare marketplace.

· Annual Maximum and/or Policy Maximum - The maximum amount that an insurance policy will pay for covered medical expenses. The amount can be different depending on the policy chosen.

· Coinsurance - The percentage of covered medical costs that you pay after you have met your deductible.

· Copayment or Copay - A fixed dollar amount that you pay directly to your doctor or physician, hospital, or other medical provider (doctor visit or CT scan) at the time of service.

· Cost-Sharing - Determines how much you will pay and how much your insurance plan will cover. Various parts include deductible, copay, and coinsurance.

· Deductible - The amount that you will have to pay out of pocket each year before your insurance plan begins to pay. Some benefits are not subject to the deductible.

· Emergency Evacuation – Transport of the insured person in the event of a life or limb threatening injury or illness which requires treatment at a different location.

· In-Network - Providers that are members of the approved network for your plan.

· Out-of-Network – Any provider that is not a member of the approved network for your plan.

· Out of Pocket Maximum - The maximum you pay during a policy year before your health insurance plan starts to pay 100% for all covered benefits.

· Pre-certification - Contacting your insurance provider for approval before having specific procedures. This process, as well as which procedures require it, can be different depending on your policy.

· Pre-existing Health Condition - An illness, injury, or condition, you had before joining a health insurance plan. All ACA compliant plans cover pre-existing conditions without a waiting period.

· Preferred Provider Organization (PPO) - A plan that allows you to go to any provider that you choose, however insurance pays less for providers that are not in your network.

· Provider - A person or company that provides health care service to you such as a doctor, hospital, urgent care, minute clinic, lab, pharmacy, etc.

· Provider Network - A group of providers with specific agreements to honor a particular health insurance plan or plans.

· Repatriation - A person returning to their home country or place of citizenship.

If you have any more questions about yacht crew insurance terms, please feel free to ask us or comment below! Having proper insurance is important whether you are at sea or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on why service is so important, read our previous blog, “Yacht Crew Case Study: Customer Service Can Be Life Saving”.

If you are not working in the insurance industry, there is a good chance that insurance lingo can provide you with some head scratchers. So, we thought it would be helpful to put together a list of terms that we find ourselves explaining frequently.

Woman looking out at the seaThe beginning of a new era is here, the start of another decade. Which each era comes change, advancement, and a new way of approaching and thinking about issues. That’s the case in every industry, including the marine industry. Over the next decade, there will be new trends in the marine industry that mirror the rest of society, but also that are unique to the marine industry. After some careful thoughts, here are some of the trends that we can expect, in addition to changes that are needed.

Mental Health

One of the biggest topics of conversation over recent years is mental health, and the importance of proper treatment and coverage. Mental Health is also a hot topic in the marine industry, after recent surveys have discovered the amount of crew members that struggle with mental health issues. Something that needs to change in the next decade, sooner than later, is the addressing of mental health in the marine industry. Crew members are often left in isolation, or live in close quarters while working long hours, and are constantly in high stress situations. Some organizations have already begun to step in and offer a helping hand. The International Seafarers’ Welfare and Assistance Network (ISWAN) have already developed SeafarerHelp, a free, confidential, multilingual helpline for seafarers and their families available 24 hours a day, 365 days per year.

Equal Representation

The next decade is going to result in more women being properly represented across all industries. Women have always been key members of the marine industry, but proper advancement hasn’t been the same for everyone. Another trend that is likely over the next decade is having more women in high- level positions such as Captains and Chief Officers. In the US, data is indicating that women have now surpassed men as a total percentage of the workforce, but when it comes to holding high level positions, there is plenty of room for growth for women.

Technology

No one believed that we would have the whole world in our pocket 20 years ago, and today we have that and then some. Technology is making advancements all around us, so why expect in different in the marine industry? Ships that run on Liquid Natural Gas have already begun production, so one would expect that would eventually make its way to yachting too. A fuel that burns more efficiently and is better for the environment? Where do we sign-up?

There will be other trends to come revolving around technology to come that will require crew members to have specialized training in order to keep their positions, or possibly even new positions that don’t even exist just yet.

Environmental Efforts

Climate change has been a constant topic over the past decade, and it will only be even more of a topic over the next decade as we begin to experience some potential issues. As sea levels rise, changes will need to be made across the world when it comes to shipyards and docks. Coral bleaching is another issue that may affect the industry as top destinations begin to lose their allure.

One can expect the environmental efforts to go to another level to save the one thing that we all have in common no matter what sector of the marine industry to find yourself in, the oceans!

Having proper insurance is important in every aspect of life. Whether you are at sea needing international coverage, looking for proper life insurance coverage, going on a vacation, etc. MHG is your specialized broker. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about marine crew insurance, travel insurance, U.S. life and health, expatriate insurance, or property and casualty, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

After some careful thoughts, here are some of the trends that we can expect in the marine industry over the next decade, in addition to changes that are needed.

2020 is the Year of Vision

Woman selecting eyeglasses in optical storeDo you have 2020 vision? Well technically, this year, everyone has 2020 vision. See what I did there? Ok, no more vision puns. If you don’t offer a vision insurance benefit to your employees, you are missing out on a great opportunity to save your staff money, improve their eye health, and potentially make their overall quality of life better. In return you can get a more loyal, healthier, and productive workforce. Since this year is 2020, it makes it a perfect time for you to open your eyes to the new possibilities you can have with your benefits. That was the last one I promise.

The Basics

Your eyes are two of your most important organs, which is why they need special coverage to promote their health. Vision insurance helps to ensure and motivate people to take care of themselves, the same way health insurance encourages overall health.

There are different plan options with different coverages, so it is important to do your research when deciding what plan is right for you. Do you want your plan to only cover eye exams, contacts, and glasses, or do you want something more comprehensive to also include eye surgery or treatment for certain diseases or issues like glaucoma or retinal detachment?

What You Need to Know

Most vision insurance policies simplify their operation by offering flat rate reimbursements; rather than having to pay a deductible, then pay a percentage until reaching an out of pocket maximum, etc.

It is also important to know that all plans are different, and some may provide coverage for 2 glasses in a year and some may provide coverage for either one pair of glasses or contacts for the year, again do your research.

Don’t Stop at Vision

While implementing vision insurance is a great way to help attract, motivate, and retain employees, there are plenty of other benefits you should investigate offering your workforce in order to have a complete and competitive benefits package. Benefits such as Dental, Short- and Long-Term Disability, Group Life Insurance, and Gap Insurance are common additions to a Group Health Insurance Plan, and often have minimal costs in comparisons to the coverage they can provide. After all, a happy and healthy workforce is the key to any successful business!

MHG Insurance Brokers comprises of a team of experts who specialize in group insurance. We have unique relationships with carriers and are sometimes the first to know the plans they offer. We have a 5-star Google review rating, and an outstanding 96% client retention rate in the Life and Health Division (Employee Benefits). Our team of experts can complete a full analysis of your current plan’s offerings, and if needed, recommend a package that will enrich your benefits while keeping cost at a minimum. If you do not have a group plan in place, we have you covered! Our team can provide a proposal for your group which may be less than you anticipate. If you are interested in purchasing health insurance, feel free to contact us at 954-548-3599 or visit our website at mhginsurance.com.

If you don’t offer a vision insurance benefit to your employees, you are missing out on a great opportunity to save your staff money, improve their eye health, and potentially make their overall quality of life better.

Cropped shot of a senior doctor giving his male patient a thorough checkup during his consultationHave you ever heard the saying, “You can learn the easy way, or the hard way!” Many say the best way to learn is through experiencing something that will have an impact on you, whether you personally experienced it, or someone close to you did. The important part is that whatever the impact was, it will motivate you to make the right decision. It could have been something bad that made you never want to go through that again, or something good that made you want to have the same result. The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.

Scenario A

A client who takes a proactive approach to their health went in for their regularly scheduled ENG 1. During the screening portion of the physical, the doctor discovered a potentially harmful bacteria. Due to this client’s proactive nature of maintaining their health, the bacteria was caught before it had done any damage and they were able to have successful treatment with antibiotics.

Scenario B

A client who doesn’t like to go to the doctor decided to skip their regularly scheduled ENG 1 because the yacht they were on did not have it as a requirement. Several weeks later, they began experiencing stomach pains, nausea, and vomiting. They didn’t think much of the symptoms they were experiencing, attributing it to a stomach bug. A couple weeks went by and the symptoms continued to get worse. At this point, the client decided it was time to go to the hospital, where doctors discovered a developing stomach ulcer, caused by Helicobacter pylori.

The Diagnosis

Both clients had the same issue, an infection of Helicobacter pylori. Helicobacter pylori is a bacteria that can cause stomach ulcers as well as stomach cancer. Much like Herpes, it is present in many people, 85% of people to be exact, and can go an entire lifetime without causing any issues. Our client from Scenario A was able to notice the infection early enough and have it treated before any symptoms presented themselves. Our client form Scenario B had a different fate that may have been avoided if they had their regular physical exam.

The Cure

Going to the doctor can be a hassle, especially for a yacht crew member who may rarely be onshore to do so. However, getting your check-up is important to decide your overall health, as well as to detect any issues early enough so that something can be done proactively. Get a routine physical each year, even if your yacht doesn’t require you to do so. Otherwise it may be too late by the time you find out you are having an issue, even if you don’t have any symptoms. Having good medical insurance is crucial too because if any issues do arise, you may need costly medical treatment.

For more information on some of the dangers you can experience while docked, read our previous blog, “The Dangers of Being Docked at a Shipyard.” MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.