Close up of senior man shaking hands with insurance agent.Have you ever heard the saying, “brokers make you broker”?

Brokers and insurance companies tend to have a bad reputation. Some people immediately have negative thoughts whether they are warranted or not. In fact, when we ask someone if they know what an insurance broker is or what they do, we receive all kinds of answers, most of them being negative. It’s time to improve on the perception of an insurance broker.

Take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning when finding a plan, but it will also serve you well for the entire time that you have private health insurance needs, on a yacht or wherever your travels may take you.

Common Misconceptions

Insurance brokers aren’t evil, in fact they are quite helpful. It is a common misconception that brokers work for insurance companies, however that couldn’t 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 actually 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.

Who Can Benefit?

Everyone who works on board a private or charter yacht that is travelling internationally should have private health insurance. Whether health insurance is provided by the vessel owner, or is purchased by each crew member individually, each person needs protection from a potential financial disaster caused by an unexpected illness or accident. The challenge is that it can be quite a task to sort through all of the options allowing you to determine what plan is best suited for your needs, or the needs of your group. This is where an insurance broker can be an invaluable source of information, and most importantly a helping hand.

So What Does a Broker Actually Do That You Cannot Do Yourselves?

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 health 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, a broker advocates and works on your behalf. If and when a situation arises where a shore-side helping hand is needed you can turn to your broker for assistance leaving you to continue to concentrate on your employment at sea.

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 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”.

Have you ever heard the saying, “brokers make you broker”? That couldn't be further from the truth. Read more!

Luxury YachtThe Palm Beach International Boat Show is quickly becoming one of the top shows in the world. After all, who doesn’t want to spend a week in sunny South Florida? It’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check.

Below is a list of the 6 largest yachts to look for when attending the Palm Beach International Boat Show which takes place March 17th-20th, 2016. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore this list may not be 100% accurate at the time of the show.

“Solandge”

“Solandge” will be the largest superyacht at the show, and should be on every attendee’s list to see. Built by Lurssen, she measures in at a 280 feet long, almost the size of a football field! See her at PHD; Slip 302C-D, 300D-E where she will be displayed by Moran Yacht & Ship, whose headquarters are Fort Lauderdale.

“Silver Fast”

This 252 foot vessel was built by Silver Yachts in 2015, and is the largest and fastest aluminum motor yacht with conventional propulsion in the world! Her exhibitor is Burgess and will be located at PHC; Slip 210-212, 219-222A.

“Northern Star”

“Northern Star” was the largest superyacht at the Fort Lauderdale International Boat Show. For anyone who wasn’t able to attend in November, should make a point to stop by and check out this vessel which is a whopping 247 feet long and was built by Larssen. See her at PHD; Slip 302C-D, 300D-E where she will be displayed by Moran Yacht & Ship.

“Positive Carry”

Feadship is the builder of this 204 foot vessel. The location of “Positive Carry” will be PHD; Slip 302C-D, 300D-E and her exhibitor is Moran Yacht & Ship.

“Sealyon”

This 203 foot vessel was built by Viareggio in 2009, and is the last of the superyachts above 200 feet long. See her at PHD; Slip 207-208 G-I, where she will be displayed by International Yacht Corp.

“Illusion”

This mega-yacht was built in 1983 by Feadship. “Illusion” is 183 feet, and can accommodate 12 guests. The Exhibitor is Burgess, whose headquarters are in New York City, and will be located at PHC; Slip 210-212, 219-222A.

Make sure to be on the look-out for Mark Bononi, JW Haagensen, and Clayton Swart as they will be at the Palm Beach International Boat Show representing MHG Insurance Brokers, and helping anyone who has questions regarding their insurance!

Boat shows can often be a time where crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

The Palm Beach International Boat Show begins today!

appealHave you ever found yourself in a situation where your health insurance isn’t covering what you expected it would? Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and to ensure that you receive the coverage you purchased. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for you, so you know what to expect.

1. Read Your Policy

The most important thing that you can do when you are filing an appeal to a health insurance claim is read your policy. You should read your policy when you purchase it, then re-read from time to time so you are refreshed on the breakdown of your coverage. It’s also a good idea to review your policy before having any procedure. Doing so could help avoid a situation where you need to file an appeal. It’s also important to assemble all important paperwork, and keep an organized record of the details of your case (Who, what, when, where, why, how).

2. Try to Have a Main Contact at the Carrier

Having one contact can make the process easier for you. By doing this, you will not have to keep explaining your case to every person on the phone. Also, you may be able to build some rapport with your contact, which may inspire them to go above and beyond to help you.

3. Be Patient Approach in the Right Manner

Patience will be required whenever filing an appeal as the process can take some time. The insurance company will conduct extensive research to determine if your appeal is worthy. Going into the situation knowing that the process can take some time may help you with expectations. It’s also important to approach the situation in the right manner. In many situations in life, handling something in a positive, respectful manner can get you a lot further than having a negative attitude or having a chip on your shoulder.

4. Contact Doctors and Hospitals

Be prepared to contact doctors and hospitals, and do a little bit of investigating on your part. You may come to find that there was an issue with the provider and it was just a simple error.

5. Act fast

When filing an appeal, there may be a limited time that you have in order to file. Similar to a return policy when you buy at a retail store, you may only have a certain number of days to make an appeal.

Beware

If your claim appeal is with a network provider, by contract the insurer usually can only pay the network provider, not you. So if you pay the bill and are awaiting reimbursement, it can be complicated. Also, if you decide to not pay any bills and wait for the appeal process to finish, your credit may take a hit. Talk to your doctor or office that you are working with and let them know the situation. Try to keep them from sending your outstanding bills to collections.

If you have any more questions about what steps you should take when filing an appeal, 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 common yacht crew insurance terms, read our previous blog, “Yacht Crew Insurance Terms 101.”

Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for yacht crew so they know what to expect.

attendees

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event? If so, there are things you need to prepare for and begin to consider in order to get the most out of the show; from dealing with crowds, to being comfortable, follow some of these tips that will help you have a great time!

Tickets


Tickets to the Fort Lauderdale International Boat Show can be a little pricey, price at the gate will be $27 for the day or $43 for the entire show (Friday-Monday). It should be noted that children 5 and under will get in free with a paid adult, and children who are 6-15 years old will be $12.

Plan Ahead

It’s common for people to get lost, and not know where places are located within the show. Do some research and think about any events you would like to attend, or things you would like to see. It may also be a good idea to create a budget for things you may want to buy, or event tickets you are looking to purchase.

Transportation

Since this is such a large event, attended by thousands of people, parking always seems to be a nightmare. Having to park in one location, then walk to another only to board a shuttle which will then take you to the show, doesn’t seem like an appealing process. And that is only if you are lucky enough to find a space! Also, if you decide to purchase a valet ticket, the price is $60. Consider other transportation options that will save you money, time, and most importantly a major headache. Now that Uber is back in Broward County, see what the going rate is to get you to the show, or you can try the Water Taxi.

Wardrobe

This show is HUGE! It will require a lot of walking, so proper footwear is crucial if you plan on staying all day. If you are planning on wearing high heels, you may want to reconsider. Also, a large portion of the show is outdoors, so you may want to pack some sun screen, a hat, and sun glasses.

Make Reservations

There are a people from all over the world in town for this weekend. Expect delays, traffic, and long wait times at local restaurants. It may be a good idea to call ahead and make reservations at any restaurants you are considering going to. Also, try calling ahead if you plan on going to any after parties in the area and see if reservations are required.

Don’t forget, the Fort Lauderdale International Boat Show starts today, November 5th and ends November 9th! For more information on what’s what to be aware of when at a boat show, read our previous blog, “5 Things to Be Aware of When at a Boat Show”. If you are interested in purchasing Yacht Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event?

boat show

The Fort Lauderdale International Boat Show is here which means one thing for exhibitors, BUSY! Overwhelming may be an understatement in terms of the amount of work that goes into having a successful show. If you find yourself stressing as the show approaches, take a deep breath, and follow some of these tips that may help simplify things and keep your eyes on the big picture; getting the most out of the show. Remember, boat shows can be a fun way to mingle and network with your peers in the yachting industry, those who are looking to get into the yachting industry, and let’s not forget those that go just to see all the boats. So have fun! 

Network!

 

Boat shows, or any similar types of events are a perfect time and opportunity to network with others in your profession. There aren’t many times during the year where almost an entire industry converges to one place, which is why it is important to take advantage of meeting people. Especially people that don’t work/live in your area. 

Time Management 

There is a lot going on all at once, and you only have a few days to cram in as much as you can. This makes it incredibly important for you to exercise time management in order to get the most out of the show. Create a schedule or agenda and keep track of any meetings or events that you are attending. This can help you see how much free time you will have, and if there is enough time in your schedule to attend other events. Also, this will help when it comes to manning the booth, by designating times that people must be present. 

Put Your Best Foot Forward

You only have one chance at a first impression. Having a clean and presentable booth can be the difference between someone stopping and talking to you, or someone that will just walk right on by. Just as important as your booth being presentable is your staff being presentable. They should be welcoming and engaged, not looking down at their cell phone the entire time. A good staff can be the difference of making a sale, and turning someone off. 

Utilize Social Media 

Since there is so much going on, any events you are hosting can get lost in the crowd. Post on social media where you will be located, pictures that may help people find your booth, and information regarding any events you would want people to attend.

Follow Up! 

The amount of people you can meet at a boat show is overwhelming. Collect business cards and contact information. Wait a week or two for people to return home and settle in and begin contacting them to follow up. It may be hard to remember everyone you meet, so don’t be offended if someone doesn’t remember meeting you. By following up you can remind them and begin to form a relationship.

Don’t forget, the Fort Lauderdale International Boat Show starts November 5th and ends November 9th! For more information on what’s what to be aware of when at a boat show, read our previous blog, “5 Things to Be Aware of When at a Boat Show”. If you are interested in purchasing Yacht Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

How to Get the Most Out of the Boat Show if you’re an Exhibitor

yachtsIt’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. This is even more so at the Fort Lauderdale International Boat Show which takes place in the yachting capital of the world! While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check. Below is a list of the 6 largest yachts to look for when attending the Fort Lauderdale International Boat Show which takes place November 5th-9th, 2015. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore this list may not be 100% accurate at the time of the show.


“Northern Star” 

“Northern Star” will be the largest superyacht at the show, and should be on every attendee’s list to see. She was built by Lurssen and is a whopping 247 feet long. See her at Sybass Slip 4, where she will be exhibited by Moran Yacht & Ship which is headquartered in Fort Lauderdale.

“Natita”

This 216 foot vessel was built by Oceanco in 2005 and refurbished in 2012. She is the Tri Deck model, and can accommodate up to 12 people. Her exhibitor is Worth Avenue Yachts which is located in Palm Beach, and will be located at Sails Marina Slip 1.

“Meridian” 

This mega-yacht was built in 2013 by Icon Ocean Going. “Meridian” is 205 feet, and can accommodate 16 people. The Exhibitor is YachtZoo LLC which is located in Fort Lauderdale, and will be located at Sails Marina Slip 3.

“Lady Lola”

“Lady Lola” was built by Oceanco and her exhibitor is Merle Wood & Assoc. who are headquartered in Fort Lauderdale. The location of this 205 foot yacht will be Hall of Fame North.

“Positive Carry”

Feadship is the builder of this 204 foot vessel. The location of “Positive Carry” will be Hall of Fame FD 22-26 and her exhibitor is Moran Yacht & Ship, which is located in Fort Lauderdale.

“Areti” 

This Trinity yacht was built in 2012 with the interior being done by the award-winning Patrick Knowles. She is a Semi Displacement model and her 197 feet can accommodate 12 people. The exhibitor is Burgess which is headquartered in New York, and will be located at Hall of Fame FD 4-6. 

Boat shows can often be a time where crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

6 Yachts to Look for at the Fort Lauderdale International Boat Show

fort lauderdaleThe Fort Lauderdale International Boat Show is just a few weeks away, which means yachts and crew are beginning to arrive and set up for the show. There is a good chance that yacht crew may have some down time leading up to the show that should be spent exploring and discovering this beautiful area. Fort Lauderdale is the yacht capital of the world, however, this city and the surrounding areas have so much more to offer outside the yachting industry that you should be taking advantage of. 

 

Fishing

South Florida has some of the best fishing in the world. With plenty of different options from lakes, to the everglades, to deep sea, there is a setting for whatever kind of fishing you are in the mood for. 

Everglades

The unique natural habitat called the Everglades is a short drive from Fort Lauderdale. Since the Everglades can’t be found in any other part of the world, a trip to South Florida is not complete without an airboat ride through the “Sea of Grass”. There are endless opportunities for camping and seeing animals that you won’t see anywhere else in the world. 

Native American Reservations 

The Native Americans are a large part of the history of the United States, and in South Florida, there are 2 large Native American presences. The Seminole and Miccosukee tribes have reservations in the area that offer plenty of things to do. Watch alligator wrestling, learn about the culture, or you could even visit the Seminole Hard Hotel and Casino in Hollywood. 

Beaches 

South Florida is home to some of the most famous beaches in the world. South Beach, Ft. Lauderdale Beach, etc. are just a few of the places you can spend a day, or two, or three, relaxing and sticking your toes in the sand. There are bars, restaurants, and shops everywhere, it’s no wonder South Florida is such a popular tourist destination. 

Sawgrass Mills 

One of the largest shopping malls in the country, Sawgrass Mills is a must if you plan on doing any shopping while you’re town. With over 300 stores, you will have no problem finding something that you wouldn’t be able to find back home.

Downtown 

Downtown Fort Lauderdale is a very popular area, with tons of great spots to enjoy an afternoon, or a night on the town. Riverwalk, also known as the Fort Lauderdale Riverfront, consists of Las Olas Boulevard and Himmarshee Street. This area is home to some of the best bars and restaurants that Fort Lauderdale has to offer. 

Museums 

Fort Lauderdale is home to a few unique museums such as the Museum of Discovery and Science, Museum of Art Fort Lauderdale, and International Swimming Hall of Fame. The Museum of Discovery and Science is full of interactive exhibits and is also home to an IMAX theater that has a screen that is 5 stories tall! 

Broward Center for Performing Arts 

The Broward Center for Performing Arts is among the top 10 most visited theaters in the world, with over 700 performances every year. This beautiful theater sits on the New River and hosts world famous Broadway Plays, concerts, lectures, and plenty of other events. 

Historic Houses 

Fort Lauderdale is a very historic area, and has few historic houses that are definitely worth a visit. Learn the history of the Stranahan’s when visiting the Stranahan House which was built in 1901. Or visit the Bonnet House and walk through the beautiful grounds and gardens.

Jungle Queen 

The world famous Jungle Queen Riverboat has been in operation since 1935. Take a cruise along Fort Lauderdale’s New River and see some breathtaking sites. Witness what it is like to live like the rich and famous as you pass through “Millionaire’s Row” and other areas with charming waterfront mansions.

Yacht shows can offer a time for crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

10 Things to do in Fort Lauderdale While in Town for FLIBS

Packing for Your Next Contract

It's no secret that those who work on cruise ships can be away for long periods of time. Contracts can last anywhere from a few months to almost a year. Being on a ship for that amount of time can be difficult to pack for. How are you to know what items you will need a month from now?  Here are some tips you should use to make packing for your next contract simpler and more efficient, after getting proper insurance of course!

 

  contract  

 

  MHG cruise employees Infographic

Packing for Your Next Contract

london The Isle of Man Maritime Group is hosting an evening reception during London International Shipping Week 2015 at historic Trinity House. LISW is one of the highlights of the maritime calendar with more than 100 industry events taking place in London from September 7-11. It is aimed at the movers and shakers from the international shipping and superyacht community. 

 

As official sponsors of LISW 2015, the Isle of Man Maritime Group’s “Nautical by Nature” event on September 8 will lead guests on a journey through the Island’s rich seafaring heritage to its current position of maritime centre of excellence.  Manx actors and musicians will bring to life the legacy of the Vikings; introduce the ringleaders of the Mutiny on the Bounty; remember the courage of Captain John Quilliam who was First Lieutenant on HMS Victory and set the scene for the inspiration of Sir William Hilary, who founded the RNLI

The music and drama will be showcased in the historic surroundings of Trinity House, the remarkable 18th Century headquarters of the Corporation of Trinity House, which has maintained British lighthouses since the 16th Century. Guests will be met by Isle of Man’s own sea cadets and guided up the grand, sweeping staircase to a reception on the first floor. All the rooms will be open to guests including the Pepys Room, the library and the reading room. 

Isle of Man Maritime Group Chairman, Bruce McGregor said: “LISW is the ideal opportunity for us to promote the wealth of maritime services and experience delivered on the Isle of Man. This event will celebrate our rich seafaring tradition and how we have evolved into a modern, technically astute global centre of excellence.” 

Guests at the reception will be able to meet representatives from the Isle of Man Maritime Group including the IOM Ship Registry; IOM Shipping Association; IOM Superyacht Forum KPMG; Bernhard Schulte Shipmanagement (Isle of Man); Döhle (IOM) Group of Companies; PDMS Maritime; Simcocks Advocates; MHG Insurance Brokers; Affinity Management Services and InterManager. To register for the event please visit the group’s website at www.iom-maritime.com or contact the group at enquiries@iom-maritime.com If you would like speak to someone from the group in more detail please contact Bruce McGregor on +44 (0) 1624 664000. 

LISW 

LISW will be the ‘must attend’ event of 2015, offering over 100 industry functions and unique networking opportunities for leaders across all sectors of the international shipping industry – regulators, charterers, ship owners, ship managers, bunker suppliers, lawyers, ship brokers, bankers, insurers, insurance brokers, commodity traders and brokers, ship suppliers, port operators, shipping service providers and many more. The UK is the leading centre worldwide for the supply of a broad range of professional and business services to the international maritime community, accounting for 21per cent of premiums in international marine insurance, over $64bn in committed ship finance (or 15per cent of the world loan book) and it has the largest concentration of legal service firms specialising in the sector.  London is also the predominant supplier of shipbroking services worldwide and is the major player when it comes to maritime dispute resolution. London is also home to the second biggest port in the UK. For more information, please visit www.londoninternationalshippingweek.com

The Isle of Man is "Nautical by Nature"

case studyHave 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. 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 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.

Yacht Crew Case Study: Regular Screenings and Physicals Can Be Life Saving