667502658You’re fired! Two words no one wants to hear. Losing your job is a reality that some of us may have to deal with one day, whether we like it or not. The main reaction of someone losing their job is questioning where their income is going to come from. How will I pay the bills? How will I buy food? With careful planning, should that day arise, you would have saved some money and created a safety net for yourself until you land another job. Even with savings set aside to cover the necessities, one thing that is sometimes put on the back burner is a loss of benefits offered by your employer. We have some options you may want to consider.

COBRA/State Continuation

If you loved the coverage that your employer offered, there is good news. You may be able to keep your plan through COBRA continuation coverage. COBRA is a federal law that was implemented to let you pay to keep you and your family on your employer’s health insurance after your employment has been terminated. This applies to employees of companies that employ 20 or more employees. State continuation sometimes called mini Cobra in essence serves the same purpose which is to extend employer coverage after separation. Main difference is Cobra is a federal program while state continuation is mandated by the state. It is good to note that this is only for a limited time, usually a maximum of 18 months. Also, you typically pay a higher premium than the one you were paying while employed because your employer is no longer contributing towards your premium.

Marketplace

If you have lost your job for any reason, whether you were laid-off or you quit, you can buy a plan from the healthcare marketplace. Now I know what you’re thinking, the marketplace is only open during open enrollment. However, losing your job qualifies you for a Special Enrollment Period. This gives you the opportunity to purchase a plan that is acceptable under the Affordable Care Act (ACA), thus keeping you from paying an extra tax/penalty the following year for not having proper insurance. You may also qualify for tax credits and subsidies based on a number of factors.

Short-term Medical Plan

If you lose your job in the middle of the year, you still have some time before open enrollment begins. This will leave a gap in your medical coverage, which not only leaves you unprotected, but also liable to pay the healthcare tax. If you don’t want to purchase an ACA private healthcare plan, you can purchase a short-term medical plan which can give you coverage for up to one year. Though you should know, short-term medical plans do not meet the minimum benefit requirement and will not prevent you from paying a penalty.

Spouse’s Insurance

If your spouse or domestic partner’s company offers health insurance as a benefit, there is a good chance that they offer the same coverage to you. You may have to pay more than they do in order to be on their plan, partly because employers are required by law to cover 50% of the insurance premiums for employees and 0% for spouses even though they may choose to pay more.

MHG has the insurance specialists to advise and assist you in choosing the best health insurance that suits you, your family, or your group. Our team of brokers have the experience to get you the coverage that fits you and your budget. Recently get a nice tax return? Read our previous blog, “What Should I Do With My Tax Return?”. If you are interested in reviewing your health insurance options, please contact us at 954 828 1819 or visit our website at mhginsurance.com

Losing your job is a reality that some of us may have to deal with one day, whether we like it or not. But not many think about their what their insurance options will be, read more!

671763714As has been broadly reported, the French government implemented legislation in 2017 requiring employers of French resident crew to pay into ENIM, the French social system fund for seafarers.

THE ISSUE

Applicable to both commercial and private vessels, the intent of the French government
is reportedly to align seafarers with other French residents in regard to social security
protection. By ratifying MLC, France committed itself to providing its resident seafarers
on commercial vessels with access to all nine branches of social security, yet the reality
is that ENIM is only set up to deal with employers rather than individual seafarers and, as
ENIM have stated to us, only an exceedingly small number of foreign employers have
sought to arrange contributions in respect of their French resident crew, leaving many
others with no way of either paying into or enjoying the benefits of the social system
scheme to which they are entitled. The most publicised case which triggered the
legislation was that of the French crew employed on the Condor Ferries services out of
St. Malo. France has attempted to address that flaw in the system by requiring foreign
employers to pay into ENIM in respect of their French resident crew (with certain
exceptions). An employer who fails to fulfil that obligation risks serious sanctions and it is
doubtful that the French authorities will be understanding of employers simply claiming
ignorance as to the residency of their crew.

THE IMPACT

This legislation has, however, had serious economic consequences for France with the
French shipyards as well as many other businesses which depend on the yachting sector
suffering catastrophic losses of business (compounded by separate issues relating to
VAT on fuel). There is also widespread talk of French resident seafarers being avoided
by yacht employers. In a first attempt to stem the bleeding, an amendment was
implemented in January 2018 which allowed employers to use a private scheme rather
than contribute to ENIM but only if the private scheme provides “equivalent protection”
to that provided by the French social security code. This is, however, of limited help
because the French authorities, including ENIM, are resisting any requests for them to
deem a particular private scheme to be compliant and indeed all indications are that this
will not change in the future. As such, any claims from crew insurance providers that a
particular plan is “compliant” in this context should be treated with a healthy dose of
scepticism and caution! Private international schemes serve an important purpose but
they do have limitations too, some of which risk leading to dissatisfaction in the long-run
amongst seafarers relying on them as a stand-alone solution rather than in combination
with a home country social system.

PRACTICAL APPLICATION

Much of the concern surrounding this issue has focused on the fear of port state control
inspections. With limited resources, it seems highly unlikely to us that port state control
inspections will in fact present the greatest risk of unwanted attention by the authorities
in this regard. If an inspector finds a properly maintained Maritime Labour Certificate and
DMLC, it is questionable whether they will be digging any further than that unless there
has been a complaint from a seafarer and that, in fact, is where we see a far greater risk.
So, while it is worth considering carrying a Maritime Labour Certificate and DMLC even if
not required to do so (e.g. the vessel is under 500gt), even more importantly it would be
advisable for employers to ask their seafarers to state their country ties and document
those answers. This could be as brief as asking the seafarer to state their country of
residence but could also encompass other ties such as the repatriation destination and
the country of the bank account to which the salary is being paid. The seafarer should be
required to notify the employer in the event of changes to this information. Where the
answers indicate that the seafarer may be a French resident, advice can be sought and
contributions to ENIM can be arranged if appropriate. Where the answers do not
indicate French residency, the employer now has back-up documentation showing good
faith in the event of the seafarer later seeking to claim that the employer has failed to
arrange the necessary contributions to ENIM. We understand that some employers are
already requiring their seafarers to answer such questions.

WHAT’S NEXT

The French social system rules themselves do talk of the concepts of “stable” and
“regular” residence in France, “stable” meaning that it is continuous for three months or
more (to be documented by, for example, confirmation of rent payments, electricity
bills, phone bills etc.) while “regular” is a requirement for non-EU citizens and means that
the individual must have an appropriate “titre de séjour”. British crew working on a
foreign (non-EU) flagged vessel but living in shore-based accommodation in France are
the sort of situation that does need to be more fully understood on an individual basis
in order to minimise the risk of problems and again a questionnaire about country ties
can help with this.

CONTACT

Looking forward, further developments are expected to try to curb the unintended
consequences to the French economy and seafarers. Meanwhile, any other countries
trying to figure out how to fulfil their social security obligations under MLC will no doubt
be watching carefully in an effort to avoid similar challenges.

For more information, please contact Peter Dudzinski at peterd@mhginsurance.eu or
Mark Bononi at markb@mhginsurance.com.

As has been broadly reported, the French government implemented legislation in 2017 requiring employers of French resident crew to pay into ENIM, the French social system fund for seafarers.

626461282Whether you are a boat dealer, marina operator or own a yacht detailing company, you have unique needs and requirements when it comes to liability protection. These requirements help protect your business against any lawsuits stemming from business operations. This is where the decision to obtain a Marine General Liability policy vs. a General Liability policy comes into play.

People may not realize that a General Liability is not adequate to cover their operations; unfortunately, because of numerous exclusions involved in a General Liability policy, the insured may not be covered in the areas needed.

Here are some additional helpful facts and tips about these two policy types:

· Learn the truth about General Liability – Did you know that a generic General Liability policy does not include watercraft coverage, including “the ownership, maintenance, and use of” watercraft owned or operated by you, the insured? Perhaps you would naturally assume this is covered – which brings up the fact that an experienced insurance broker could help you when it comes to the specifics of policy exclusions and/or benefits.

· Who the exclusions affect – Exclusions can affect a wide variety of people, but for the purpose of this post let’s specifically talk about boat dealers, marina operators, etc. If you fall into any of those categories, then you are aware of the frequent operation of watercraft that takes place in your business. Operations, such as employees operating boats, or doing any type of test or demo drives for a customer are also excluded under a General Liability policy. If anything happens during these types of “operations”, you could be left vulnerable and uninsured.

· Another Interesting Exclusion – If you are considering purchasing an unendorsed General Liability policy, consider this: the “care, custody or control” of personal property of others is also excluded, meaning additional operations like boat repair, storing, hauling, fueling, launching and slip rentals are also uncovered.

· Part Installers Beware – Perhaps you are a boat dealer who also installs aftermarket equipment or parts on boats. Unendorsed General Liability policies contain a “your work and product” exclusion, meaning any claim related to the installation of your aftermarket part is also not included.

The bottom line is most General Liability policies exclude any work done on the water or vessels, while specifically obtaining a Marine Liability policy will cover you for damages or liability to a third person engaged in marine operations.

Working with an expert insurance broker, like the brokers at MHG Insurance Brokers, can help you obtain a policy that specifically addresses your needs and is customized to your benefit. Remember, cruise lines and marinas require proof of appropriate insurance coverage before any job can begin, so make sure you have the right policy in hand. To learn more about the advantages of Marine General Liability coverage, contact an MHG broker today by visiting mhginsurance.com or calling 954-828-1819. For more information on filing an MGL claim, read our previous blog, “How to File a Marine General Liability Insurance Claim”.

Whether you are a boat dealer, marina operator or own a yacht detailing company, you have unique needs and requirements when it comes to liability protection. Read more!

tax returnIt’s everyone’s favorite time of the year, tax season! Filing taxes can be a real pain, but if you are one of the lucky ones who are due to receive a nice check from the IRS, this can be a rewarding time. While having the latest iPad is great, you may come to regret that decision later. Instead of spending your tax return on a new gadget or vacation, try paying yourself. Sometimes bills seem like they are never ending, but one bill that you may come to enjoy paying are those that will pay you down the road. Catch my drift?

Be Forward Thinking

Whether you are established in your career or you are just starting out, you should be thinking about your retirement. Sometimes it can be difficult to put yourself in situations later in life, partly because life can be so unexpected. It just happens. But what some people don’t consider is that when you retire, you won’t have the same income to support your lifestyle. One way to fix that is by saving your money! If you are forward thinking and sacrifice the right amount of money now, what you enjoy now you can enjoy later too!

Get a Jump Start

Is it me or do paychecks seem like they are never enough? While there is a lot more to life than earning a wage, the amount you earn is still important because it determines what you can afford. Having a family is important to a lot of people, however a family can be very expensive. Also waiting until you have a family can feel like it is too late to start, or that you missed your chance to begin planning for retirement. While there is a prime age to begin saving for retirement, don’t ever think it is too late to start if you haven’t. Remember, better late than never.

So if you don’t think you have the funds to save for your future and your retirement, using your tax return to do so may be a smart idea! Another thing to note, once you save your tax return, you may feel more motivated and inclined to continue to do so throughout the year.

What Should I Buy?

· Life Insurance – There are several types of life insurance policies that can set you up nicely later in life. Policies such as Whole Life and Universal Life are ones you should consider.

· Annuity – Depending on the person, an annuity may make more sense than a life insurance policy.

· Combination – The best way may be to do a combination of life insurance and an annuity. Ever hear the saying, “Never put all your eggs in one basket”?

Benefits

The obvious benefit of investing in your future is that you will have income later in life when you decide to “hang them up”. But one benefit that should be considered is one that may be provided by purchasing life insurance. Did you know that if you develop a serious or terminal illness, you could have some of the death benefit value available to you to use while you are still alive for medical bills or whatever you choose. Also, you may have the opportunity to take loans from yourself. Wouldn’t you rather owe yourself money than owe the bank?

It is important to note that MHG Insurance Brokers does not provide tax advice. Speak with a tax advisor if you have any questions regarding your tax filings. For more information regarding what life insurance options are available to you, read our previous blog, “What Are My Life Insurance Options?“ Whether you are purchasing life insurance for the first time, looking for better coverage or are interested in learning more about other types of insurance available to you, we can help! Visit our website at mhginsurance.com or speak with an Insurance Specialist at 954 828 1819.

Filing taxes can be a real pain, but if you are one of the lucky ones who are due to receive a nice check from the IRS, this can be a rewarding time.

657167554Whether it’s the Deckhand that sustained serious head trauma from a motorcycle accident while ashore on boat’s business or the Captain that experienced a severe heart attack while on vacation, MHG has seen a wide array of yacht crew insurance claims over the past 20 plus years. While these examples are tragic and catastrophic, it is also important to be prepared for the more common yacht crew insurance claims that can be less serious but have the potential to keep you off work.

Knee Injuries

Knee injuries are responsible for a large percentage of the insurance claims filed by yachties. Yacht crew perform their duties while balancing on moving decks, which exposes them to an increased risk of incurring a serious knee injury while performing seemingly safe activities. Some of the more adventurous crew leisure activities, such as scuba and other water and winter sports, can result in knee injuries that may not be covered by standard crew insurance policies; make sure your comprehensive yacht crew insurance policy specifically includes coverage for your favorite leisure activities.

Hernia, Back, and Shoulder Injuries

Repetitive strain injuries are often seen in crews on yachts, as they are constantly performing similar tasks in the same small spaces. Hernia, back, and shoulder injuries abound; yacht crewmembers may need to undergo surgery as well as a considerable number of physical therapy sessions in order to make a full recovery from these injuries. Injured crew members may be unable to work for extended periods of time as they undergo physical therapy and rehabilitation. This can leave yacht crew in a financially precarious position unless they have marine disability income insurance in place to provide a significant portion of their salary while they are recuperating.

Gastrointestinal Issues and Other Illnesses

Gastrointestinal issues and regional illnesses are some of the most common medical hazards faced by yacht crews. Food poisoning, unclean water, local parasites, and diet changes can result in serious gastrointestinal issues that can necessitate on-shore doctor visits and even hospital stays. Make certain you have an international health insurance policy from a carrier that has resources to provide information in the particular regions to which you will be traveling and has, or can, establish doctor and hospital relationships, to ensure you have access to qualified care wherever you are in the world. Selecting the right yacht crew insurance plan can be difficult.

The experienced Insurance Specialists at MHG Insurance Brokers will help you sort through the terminology and key features to determine the best plan for your unique circumstances, coverage requirements, and budget. Once you have chosen a policy, we will continue to assist you with questions about the coverage it provides and guide you throughout the claims process.

MHG Insurance Brokers offers a wide range of yacht crew insurance plans including international health insurance, US health insurance, sick pay/disability insurance, life insurance, and travel insurance. Solutions for individuals, groups, and fleets are available. Call MHG Insurance Brokers today at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to find the yacht crew health insurance plan that perfectly meets your needs.

Be prepared for the more common yacht crew insurance claims that can be less serious but have the potential to keep you off work.

Blog22Everyone tends to focus on the need for health insurance, we certainly do here at MHG. However, the fact is, there are several other types of insurance that you should have before you are sufficiently covered. While each person has different needs and different circumstances, almost everyone can benefit by having additional coverage for other things besides medical expenses. Here are some other types of insurance to consider, each of which have a specific role in protecting you and/or your family.

Disability/Loss of Income Insurance

Disability coverage can often be financially more important than health insurance. For example, consider someone who had an accident and could not return to work for a few months or longer. Not only are there medical bills, but there is no income to help pay normal daily living expenses. If that person was working on a ship/yacht/boat, maybe in addition there are other land-based costs that were not there while onboard (Rent!). This is a recipe for financial disaster, but having disability insurance can help by providing you with income when you cannot work.

Life Insurance

Life insurance is simple. It is a policy that helps protect your loved ones from the present and future financial losses they would face in the event of your death. There are many different types of life insurance, but they all have the same primary purpose. The best way to determine whether or not you need life insurance is simple, EVERYONE should have it! Even if you do not have family members depending on your income, wouldn’t it be great to leave a legacy by designating your favorite charity as the beneficiary upon your death?

Travel Insurance

Travel insurance is an inexpensive and easy way to make sure you have coverage for accidents or illnesses when you travel outside the range of your existing insurance at home. It is also a great way to fill in gaps when you are between jobs (as long as you aren’t living in your home country). Travel insurance, like the other insurances above, comes in many variations from the most basic emergency cover, to coverage that includes the cost of your trip should you be unable to take it or complete it. It can have provisions for loss of luggage, repatriation benefits, and of course it can meet Visa requirements for certain countries that may require insurance as part of being granted entry.

Whether you have questions about your current yacht crew health insurance plan, or are looking for additional coverage such as sick pay / disability income or life insurance, the Insurance Specialists at MHG are glad to be of service. Call us today at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

While each person has different needs and different circumstances, almost everyone can benefit by having additional coverage for other things besides medical expenses.

Cruise Report PRFORT LAUDERDALE, FL (March 1, 2018) – MHG Insurance Brokers, the cruise industry’s benefits specialist, has released a groundbreaking study of the benefits provided by the cruise industry. The exclusive report, titled Cruise Industry Benefits Report, is the inaugural issue and includes a snapshot of the benefits provided across 22 cruise lines along with relevant topics affecting benefits in the industry.

“With the continued expansion of the cruise industry and a full order book for new ships over the next few years, sourcing and keeping your best crew will become more of a challenge as the demand for quality crew increases,” said Edward “Mole” Telfer, MHG’s Cruise Division Director. “The Cruise Industry Benefits Report will be a valuable resource for cruise lines to use when building their benefits strategy. The Report has been a labor of love for us at MHG, as we believe passionately in what we do and want to best prepare our clients for the future.”

The focus of the report is the benefits matrix, a comprehensive list of the industry’s benefits provision. The issue also includes a welcome message from CLIA President, Cindy D’Aoust, Ritz-Carlton Yacht Collection’s Lyall Duncan touches on the importance of benefits when it comes to recruiting and retaining the industry’s best, Global Medical Management speaks to additional ways cruise lines are helping to care for their employees, and Salen Ship Management’s Niklas Peterstam provides a unique perspective as a recruiter and recipient of benefits.

MHG Insurance Brokers continues to be at the forefront of developing insurance solutions and products to meet the changing needs of the cruise industry, businesses, and individuals around the world. To receive a copy of the Cruise Industry Benefits Report or to schedule an appointment to review the report and discuss your benefit strategy, please contact Edward “Mole” Telfer at +1 954 828 1819, pr@mhginsurance.com or see us at Seatrade Cruise Global, booth 927.

About MHG Insurance Brokers

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S., MHG provides group and individual employee benefits along with advice on federal regulations regarding the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

MHG Insurance Brokers, the cruise industry’s benefits specialist, has released a groundbreaking study of the benefits provided by the cruise industry.

MHG-Social-LogoFORT LAUDERDALE, FLORIDA (February 27, 2018)- MHG Insurance Brokers announced today that Account Executives Nadia Bedasse-Francis and Tom Nickerson have been promoted to managerial positions within the U.S. Life & Health Division. With plans to continue growing the Life and Health Division, Nadia will now move into a Business Development Manager role, while Tom will now serve as a Manager in the U.S. Life & Health Division.

Prior to taking on these new roles, Nadia and Tom both served as Account Executives working side by side managing accounts, looking for new business, assisting clients with claims, and much more. In these new roles, Nadia and Tom will be able to focus on their strengths, which will allow MHG to continue to grow and operate more efficiently. This will help existing clients knowing who their point of contact should be, and prospective clients having their needs met.

“We are excited about the changes being made within our Life and Health Division” said Edward “Mole” Telfer, MHG’s Cruise Division Director. “At MHG, our number one goal is always a positive customer service experience, and we are proud to say that we are second to none in that regard. These strategic moves will only strengthen our expertise, which in turn will strengthen our clients’ experiences.”

MHG Insurance Brokers has been providing insurance guidance and solutions since 1991. The company has established an unrivalled reputation for providing quality insurance products that meet clients’ coverage requirements and budget.

About MHG Insurance Brokers

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, property and casualty insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S., MHG provides group and individual employee benefits along with advice on federal regulations regarding the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

MHG Insurance Brokers announced today that Account Executives Nadia Bedasse-Francis and Tom Nickerson have been promoted to managerial positions within the U.S. Life & Health Division.

869469156Have you ever needed to borrow money? Chances are that you have. At some point in life, everyone finds themselves in a situation where they may need to take out a loan, borrow money from their parents, dip into their savings, etc. It’s part of helping yourself get squared away, or getting to the next level, or maybe even just to stay afloat. Many don’t want to put themselves into debt, and sometimes there is no other option. But what if I told you that you can borrow money from your Life Insurance policy? Now do I have your attention?

Well, Can I?

Yes, you can borrow money against your life insurance policy. It is a quick and easy way to get cash when you need it most, with no explanation needed of how the money will be used. Also, unlike bank loans, a policy loan has no effect on your credit, and if you can believe it, you don’t have to go through a credit approval process or credit check. This is because you are essentially borrowing money from yourself. However there are some specifics to note before you make the decision to contact your insurance agent.

The Specifics

For those of you who are thinking about borrowing money from your life insurance policy, let’s not get ahead of ourselves. First, you need to know that this can only be done with a permanent or whole life policy, not a term policy. A whole life policy typically has a higher monthly premium than a term policy, partly because it lasts for life. Part of those monthly premiums will collect as cash value that you can have access to. Keep in mind it can take quite a few years to build any cash value, so it may be significantly lower than the total of your premiums payments.

Once you have enough of a cash value built up, then you can borrow money. Unfortunately, you can’t go and purchase a life insurance policy right now and take out a loan tomorrow. However, this may be the little push you needed to get life insurance if it was something you have been putting off. It should be said that it isn’t a good idea to get life insurance coverage just for loan purposes, or trying to beat the system. This is just one of many benefits for those who make the decision to get coverage.

The Fine Print

It should also be noted that depending on your loan, it will still be expected to be paid back with interest, much like a bank loan. Typically the loan can be paid back with lower interest rates and a more flexible schedule, however it should still be paid in a timely manner. Some loans won’t require you to payback, however the loan amount will be deducted from your death benefit. There will also be interest to pay in this case. Even better news, the loan is not recognized by the IRS, so it will be tax free. The only way you will have to pay taxes on the loan is if the policy lapses, then you must pay taxes on the full amount of the cash value.

For more information on life insurance, be sure to read our previous blog, “Should I Purchase Life Insurance in My 20’s?” If you are interested in purchasing life insurance, or have any questions about your policy, or which policy would be best for you and your family, contact us at 954-828-1819 or visit us online at mhginsurance.com. We have the insurance specialists to assist and advise you on the best coverage for you and your loved ones at every stage of life.

At some point in life, everyone finds themselves in a situation where they may need to take out a loan, borrow money from their parents, dip into their savings, etc.

Yacht Crew: Urgency or Emergency?

519790454When you get sick or injured, taking prompt and appropriate steps often determines how quickly (or slowly) you recover from the condition. However, this does not mean that the best course of action is to always head to the nearest hospital Emergency Room (if you are ashore) or to declare SOS, simply because you need a tissue. With regard to your health insurance and also in an effort to get prompt care, Urgent Care facilities are often the best place to go, if you aren’t going in an ambulance. In contrast, sickness or injury onboard, no matter how minor it may seem, should be treated with the utmost care and as an emergency. Some of the most common mistakes that are made regardless of where they happen include:

· Getting injured and then getting up and moving right away

· Not notifying anyone of something that happened or that you don’t feel well

· Continuing to ‘work through the pain’

· Not asking for help

· Spreading whatever you might have among the crew or guests

· Making the assumption that you will be fine

While any or all of these may be in play at the same time, the key is to realize when your behavior matches any one of these and to take corrective action before it gets worse. You should have your own onboard medical protocols and procedures readily available, and you also should be familiar with them in the event they are not accessible at the time of the incident.

With injuries, it can be difficult to know if something is a bad strain or sprain, or whether it’s broken. Don’t test it to find out! Instead, don’t move unless you absolutely must and ask for help. Once the situation has stabilized, have it evaluated by a medical professional onboard or at the nearest port.

On the other hand, you have some sort of illness that is making you feel uncomfortable, the key is to determine what it might be as quickly as possible, and take appropriate actions to treat the condition. In the event of a suspected contagion, isolate yourself as soon as you can.

Certainly there are any number of different medical situations that can arise while at sea or ashore. Some are of Urgency, while clearly others are an Emergency. The secret to a successful outcome in any case is knowing what steps to take, whether it is you, or a fellow crewmember that needs assistance. It’s also important to know what requirements you may have under your health insurance and/or P&I insurance for notifying the appropriate people about any accidents or injuries that might occur. That way the proper coordination may be made to facilitate costs of treatment and coordination with the hospital/doctors/facility that provide you with care.

Whether you have questions about your current yacht crew health insurance plan, or are looking for additional coverage such as sick pay / disability income or life insurance, the Insurance Specialists at MHG are glad to be of service. Call us today at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Sickness or injury onboard, no matter how minor it may seem, should be treated with the utmost care and as an emergency.