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Buying Insurance 101

Young couple shaking hands with a female agentBuying insurance, no matter what type, can be an intimidating and daunting task. For one, there is a ton of tricky lingo, a plethora of different coverages amounts and types, and of course the cost. Unless you are someone who works in the insurance industry, chances are insurance lingo can sometimes sound like a different language, and confusing protocol leaving you wondering what to do next.

However, it doesn’t have to be this way! Follow these 5 easy steps when making any insurance purchasing decision to help ease your mind and make the process as smooth and simple as possible.

What am I trying to protect?

When buying insurance, the first thing you need to ask yourself is “What am I trying to protect?” Are you trying to protect your business? Your health? Your kids? Your assets?

Once you have the answer to that question it will narrow down what you should be looking for. For insurance, If you wanted to protect your business, you would want to consider a General Liability policy, or Marine General Liability depending on the business. Protecting your kids? Look into life insurance.

What is my budget?

Once you know what type of insurance product you are in the market for, next you need to figure out your budget. After all, you don’t want to lapse your policy because you can’t afford it down the line if things become tight down the road, so be smart. Depending on your situation and what you are trying to insure, sit down and figure out what you can realistically afford, and what level of priority is the type of insurance you need.

Who do I know?

One thing that can make the decision easier is to figure out if you know anyone that currently has what are looking to get. If you do, ask them about it. What are the pros and cons? Is there anything they would do differently? Is there anything you need to look out for?

What don’t I know?

As with anything you buy, you should always do your own research. Figure out what products are out there, what pitfalls there are, and anything else that will help you get the best out of what you are buying.

Seek out a reputable broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. If you would like to learn more details of using an insurance broker, read our previous blog, “Why You Should Use an Insurance Broker”.

Having proper insurance is important whether you are looking to protect your business, your loved ones, or yourself! Our insurance specialists have the knowledge and experience to find the type of insurance you are in search of, and policy that works best for you and your budget. If you are interested in purchasing, or have any questions about marine crew insurance, life & health insurance, travel insurance, expatriate insurance, property & casualty insurance, or ocean marine insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Follow these 5 easy steps when making any insurance purchasing decision to help ease your mind and make the process as smooth and simple as possible.

Shot of a couple looking stressed out while working on their finances at homeThe promise of an amazing benefit is great, but what happens when you try to use that benefit and experience resistance? That seems to be happening more and more when it comes to low-cost insurance plans. When buying insurance, a person is buying an intangible promise. With that mindset, one can see why low-cost insurance is rarely ever low-cost.

Can’t Have Good, Quick, and Cheap

Ever hear the saying you can’t have your cake and eat it to? Typically, with anything in life, you get what you pay for. Consumers are constantly trying to save money any way they can on products or services they buy. However, depending on the product or service, a good “deal” can quickly turn into an absolute nightmare. Low-cost insurance plans are no different. Consumers can expect to receive delayed quotes, slow service, claims issues, and that’s just the tip of the iceberg.

You’ll Pay for It Later

Saving money on premium doesn’t always mean that you’re saving money overall! Many times, those who opt for cheaper insurance end up paying more in the long run because of a lack of coverage that was unknown to them when trying to use their insurance, or even worse, no coverage at all. Imagine being involved in an emergency situation that ends up with you being in the hospital, the last thing you want to be worrying about in that moment is being stuck with the entire hospital bill which could end up being tens of thousands of dollars.

Possibility of No Service

One trend that has popped up as of late are insurance companies offering cheap plans to grow their business. However, businesses can’t afford to continue to operate on low margins, so the customers are the ones who end up suffering. Having a plan with great benefits, but no service when actually trying to use it results in disappointment for the consumer.

Consumers vs. Insurance Companies

Insurance companies are usually very large, so going toe to toe with one is no easy task if you have a dispute with the plan that you have purchased. Even if the consumer is completely in the right about a particular claim or situation, the costs and time involved can be substantial. It is for this reason that you really need to do your research and choose the best plan for your needs, not just the cheapest.

Use a Broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. If you would like to learn more details of using an insurance broker, read our previous blog, “Why You Should Use an Insurance Broker”.

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.

When buying insurance, a person is buying an intangible promise. With that mindset, one can see why low-cost insurance is rarely ever low-cost.

Ring life buoy on boat. Obligatory ship equipment. Orange lifesaver on the deck of a cruise ship.Falls don't "just happen," and people don't fall only because they get older. While many falls can be linked to a person's physical condition or a medical problem, other causes could be safety hazards onboard or in your environment. That being said, it’s important to take the necessary steps and precautions to avoid accidents while onboard, or wherever you are for that matter!

Some Risk Factors and Pointers:

Scientists have linked a number of personal risk factors to falling. Here’s just a few:

  • Muscle weakness, especially in the legs. People with weak muscles are more likely to fall than are those who maintain their muscle strength, as well as their flexibility and endurance.
    Are you on your feet all day? Sure you are. Be aware of muscle weakness in your legs. Stretch often and stay fit.
  • Blood pressure that drops when you get up from lying down or sitting. This condition -- called postural hypotension -- might result from dehydration, or certain medications.
    Drink plenty of water and stay away from too much caffeine or alcohol to help prevent a fall.
  • Wearing unsafe footwear. Backless shoes and slippers, high-heeled shoes, and shoes with smooth leather soles are examples of unsafe footwear.
    Sound similar to the shoes you wear? Your feet have to last your entire life. Take care of them and they’ll take care of you.
  • Sensory problems. If your senses don't work well, you will be less aware of your environment.
    Do I need to say more about this? Don’t do things that impair your senses.
  • Not seeing well. It takes a while for your eyes to adjust to see clearly when you move between darkness and light.
    Certainly something you experience frequently onboard, and sunglasses are a requirement. Although falls can happen anywhere, well over half of all falls happen at home (onboard). Falls often happen while a person is doing normal daily activities. Some of these falls are caused by factors in the person's living environment. For instance, a slick floor or a poorly lit narrow stairway may lead to a fall. But I’m sure you never have those conditions onboard, do you?
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

It’s important to take the necessary steps and precautions to avoid accidents while onboard, or wherever you are for that matter! Read more.

Doctor talking to the patient about menopause and treatment in future.When it comes to international yacht crew insurance, being as open and forthcoming as possible, both before and during the time you are insured, can be critical to having a successful insurance experience. When you ask people about their medical status, the most common response is “I’m fine”. Unfortunately, many people often... shall we say... “overstate” how healthy they are.  Normally, this will not bode well once a claim against insurance is made.

Let’s review the 5 most common pitfalls:

1. Non-disclosure of a past medical condition

Not only can this be a dangerous situation for you and your fellow crew, but it also sets up a scenario where in a worst case, your insurance could be cancelled. Insurance enrollment forms are a contract, and misrepresentation or incomplete information can render your insurance policy void. It’s important, no matter how minor it may seem, to disclose your entire medical history (and keep a file).

2. Non-disclosure of an ongoing medical condition

Accurately representing your health to the insurance company (and even your insurance broker) is really important. Many people don’t realize that taking a regular prescription drug is significant in the eyes of the insurer.  When the claims start coming in for the cost of those medications, the insurer is most certainly going to start asking questions and that’s likely to take you down the path of having your claims denied. With all of the necessary information, we can provide you with personalized support that works for you.

3. Overstating the recovery of a previous illness or injury

It’s important to be careful about saying, “I’m fine” after recovery from an illness or injury. This is particularly important with back, shoulder and neck injuries.  With the work that you do, we often see crew returning to work before they really should and that doesn’t always give the body time to fully recover. Not being in pain, may not mean you are fully recovered.

4. Non-disclosure of all the facts at the time of claim

If you have an injury or illness and you need to make a claim, it is important to fill out the claim form completely with as much detail as possible surrounding the circumstances.  This may include an incident report, or possibly a police report(!) along with your own personal narrative, which can be valuable.  Withholding information usually will simply result in your claim being delayed or otherwise declined.

5. Waiting until you have insurance to see a doctor     

This is the most critical item of all the pitfalls, when it comes to your wellbeing.  Do not delay seeking medical attention until you have health insurance. Not only are you putting your health at risk, but once you do see the doctor, the insurance company may not pay your claim because you had the condition prior to purchasing insurance. This is a standard clause in most international insurance plans, the language says something to the effect that treatment should have been sought previously by a prudent person. So please be prudent! The key to a successful insurance experience starts from the very beginning and goes all the way until you are no longer in need of health insurance.

The experienced Insurance Specialists at MHG Insurance Brokers are ready to help you with all the details of what coverage every crew member should have, and which carrier is best for your particular situation. MHG Insurance Brokers offers a wide range of yacht crew insurance plans and international medical insurance for expatriates, with customizable coverage for all nationalities and itineraries. 

When you ask people about their medical status, the most common response is “I’m fine”. Unfortunately, many people often... shall we say... “overstate” how healthy they are. The same applies to yacht crew. Read more.

 

Horizontal rear view color image of male crew member standing on luxury yacht boat and looking on sea view during sunny day.When you decided to become a yacht captain, you dreamed of an adventurous life spent cruising the ocean at the helm of a mighty vessel. While that is certainly part of a captain’s life, there are also a host of other tasks you must accomplish when accepting the responsibility of a yacht captain. 

One of the most important of these tasks may include choosing a yacht crew insurance plan for you and your crew. When searching for a comprehensive marine crew insurance plan that will ensure your crew are protected, consider the following: 

Evaluate the Full Value of the Plan

The plan you select will play a role in determining the financial security of your owner and crew, so you need to carefully choose the coverage based on features and services provided. Do not focus solely on the cost. MHG has been providing yacht crew insurance for over 20 years and during that time, we have seen insurance plans come and go. Right now, there are some new plans out there that look like Gold, for the price of Pyrite! Remember, if it sounds too good to be true, it probably is. Please, do not buy insurance (or most anything else) based solely on lowest cost. Talk to someone who can help explain what you are really getting (or not) before something happens and you find yourself or your crew thinking something was covered that isn't. 

Crew Leisure Activities May Require Extra Coverage

Yacht crews tend to be adventurous souls focused on enjoying an active lifestyle and working on the water presents the opportunity to indulge in some very exciting activities. Some of your crew’s favorite leisure pursuits carry an increased risk, however, and some yacht crew insurance policies do not cover injuries obtained while engaging in certain activities. There are insurance plans that include additional coverage for sporting activities, such as scuba and other water and winter sports, so be sure to look for those features. A comprehensive marine crew insurance plan that includes coverage for crew leisure activities will decrease liability exposure and protect both owner and crew.

Comprehensive Emergency Services Must Be Included

When a member of your crew suffers a serious injury or illness there are a number of issues that must be resolved quickly. If your crew member is unable to travel with your vessel or continue working onboard, you may be required to provide a flight home for that crewmember. You may want this feature included in the marine crew insurance plan you choose, along with adequate provisions for emergency medical evacuation and repatriation of remains.

Tailor Your Coverage to Your Crew

When choosing a marine crew insurance policy, the best way to balance costs and benefits is to consider the specific composition of your crew and the coverage desired. For example, if you don’t have any North American crew and do not plan to sail in North America, you can save premium by purchasing a policy that does not include coverage there. Does your crew consist of several members who have been long term crew for this particular yacht owner? Perhaps you should consider tailoring a plan to provide additional benefits for your crew above and beyond the standard policy. 

The experienced Insurance Specialists at MHG Insurance Brokers are ready to help you with all the details of what coverage every crew member should have, and which carrier is best for your particular situation. MHG Insurance Brokers offers a wide range of yacht crew insurance plans and international medical insurance for expatriates, with customizable coverage for all nationalities and itineraries. 

One of the most important of these tasks may include choosing a yacht crew insurance plan for you and your crew. When searching for a comprehensive marine crew insurance plan that will ensure your crew are protected, consider the following.

514295221Do you have Life Insurance? Do you ever wonder what will happen to your family if anything ever happens to you? If you do have Life Insurance, you don’t need to ask yourself questions like that. The problem is not everyone has life insurance. Many don’t even see it as an option because they think it is too expensive or too cumbersome. However, that isn’t always the case. There are plenty of ways to secure your family without going broke.  

What are my Options?

There are two types of Life Insurance, Temporary and Permanent. Temporary Life Insurance covers you for a period of time such as 5 years, 10 years, etc. If you should pass away within the term, your beneficiary will receive the death benefit. Permanent Life Insurance covers you for your entire life. So, no matter when you should pass away, your beneficiary will receive the death benefit. Also, for either type of life insurance, the death benefit will pass to your beneficiaries, income tax free.

Permanent Life Insurance

Permanent Life Insurance covers you for your whole life. You should purchase Permanent Life Insurance if you have a life-long dependent or have an estate or business to protect. In some permanent plans, your money may collect in an account, and after a number of years, you may be able withdraw money, borrow cash, or surrender the policy and receive the surrendering value.

Temporary Life Insurance                        

Temporary Life Insurance, also known as Term Life Insurance, is a good option if you would like to have coverage for a certain period of time. On some temporary plans, you can be approved without a medical exam and in just a few days. Usually an individual will have this coverage during the most vulnerable time of their life. For instance, until the kids are grown and graduated from college, or your house has been paid off. The premiums are lower than the premiums of a permanent life insurance plan. One downfall of this type of plan is that it does not pay a death benefit if you outlive the term of the policy. You may be able to renew your plan once it expires, but your premiums will be substantially higher. There is another type of temporary insurance that refunds your money at the end, if you outlive the term of the plan. This is called a Return of Premium policy and may be a good option to consider.

Not Going Broke

“So how do I purchase Life Insurance without going broke?” First off, there are a number of factors to determine which plan is right for you and which plan you can afford. But in general terms, the route to go would be purchasing a Temporary Life Insurance policy. As stated before, the premiums are less than those of a permanent policy, and your family or dependents will also be protected during the length of the term.

Not for Everyone         

Buying Life Insurance is not for everyone. There may be no need to purchase it if you don’t have any dependents and have enough assets to cover your debt and the cost of dying. Death can very expensive, having to pay for the funeral, estate lawyer’s fees, etc. So, if you are unsure about the need to purchase a Life Insurance Plan, or would like to purchase one, please contact us. We would be happy to assist you with all of your questions and concerns.

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com for help in selecting Life Insurance and other coverage to ensure you and your loved ones have the protection you need at every stage of life.

Are you looking for a life insurance policy to cover your loved one? Here are some options.

White yacht at the marina in the evening.Bon Voyage! It’s time to set sail on your dream career, and it may not have been one you originally considered!

Working as a crew member on a superyacht can be a very fulfilling job. At one point it was considered a job that you can do for a few years while you are young before settling down, and make/save as much money as you can before transferring to a position on shore. However, things are changing, and changing fast. More and more individuals are considering becoming a superyacht crew member as a career choice, find out why.

See the World

One of the most popular reasons people consider becoming a crew member because it is a means to see the world. Scratch that, get paid to see the world. How many jobs do you know of that pay you to travel to some of the world’s most beautiful locations?

Becoming More Appealing

Through the years, there have been more legislation and maritime laws put in place to make becoming a crew member more appealing. Many of the laws protect crew and require owners to provide insurance coverage and other benefits to crew, making the position more attractive.

Professionalism

Working onboard a yacht now often requires an extensive level of professionalism. There is much more to it than helping to keep up a boat while getting to sail around the world. You are serving guests who are paying for and expecting a high level of class and service, and the yachts are becoming more and more sophisticated. If you go through all the training, then there’s a good chance you will want to make it a long term career.

Room for Growth

There are many different positions on a superyacht crew. From Deckhand, to Captain, there are plenty of opportunities to move up the ladder. Yachts are being built every day, and those new positions must be filled by someone, preferably with some experience.

Great Compensation

Superyacht crew members can make a great salary. The amount of money you make usually coincides with the size of the yacht you are working on. Not only is the money great, but while working onboard you can save a large portion of it because you won’t need to spend much while on a yacht. You live on the vessel, so there is no rent, and your food is normally also covered.

While the money may be great, there is a catch. You will be required to be away from home and/or your family from home for long periods of time. This may be why a career choice is often for those who are single.

Highly Specialized Field

Anyone can become a crew member, but no one can become one overnight. Working onboard a yacht can require you to have training that is highly specialized. Whether you are the person setting the tables, or the person cooking the food, there are training and classes one must take before working at sea. Depending on the position, you may need a combination or training, licenses and certificates, and practical experience.

There are many reasons why being a yacht crew member is a great career choice, however it is a big decision to make. It will require a lot of dedication and commitment, so do your research in order to assure that this is the career of your dreams.

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.

Bon Voyage! It’s time to set sail on your dream career, and it may not have been one you originally considered!

African man browsing work opportunities online using job search computer app, black jobless seeker looking for new vacancies on website page at laptop screen, recruitment concept, rear close up viewEver wanted to work on a yacht?

Being part of a yacht crew can be a fulfilling career experience. Getting to travel the world, sail the open seas and meet new people, are just a few of the many benefits of joining a yacht crew. From first glance, it seems like a no brainer, this profession may be one of the best career paths you can choose. However, there are further assessments one must take when looking into a new position. That goes for those who are looking to get into the profession, as well as those who are currently part of a crew that are looking to jump ship. Follow these tips to help you decide what you should be looking for in a new yacht crew position.

Don’t Just Look at Money

Have you ever heard the saying, “Cash is king!”? Making money in life is important, but it isn’t the only thing you should be focused on. Your happiness is as important as making money. Don’t let salary be your only motivator when looking at a new yacht crew position, or any job for that matter.

Check Out the Itinerary

For some, the itinerary of a yacht is an important dictator of whether they will want to fill a position on a certain yacht. There are parts of the world that some do not want to visit for personal reasons, and there are some who may have spent a large amount of time somewhere and want to see a different part of the world. Just remember that itineraries can easily change, so be flexible and consider all the factors before deciding.

Don’t Be Seasonal

Depending on where you’re located, the yachting business can be very seasonal, with some parts of the year being busier than others. But just because it may be a seasonal industry, doesn’t mean you should be a seasonal worker. Yacht captains like to hire individuals who have proven longevity and commitment. If you are looking for a seasonal job, you may need to look elsewhere.

More than Just a Job

Working as part of a yacht crew is more than just a job, it’s a lifestyle. Being away from family for months at a time and living in close quarters with others for long periods is not for everyone. It’s clear to see how it may be taxing for those who are not fully committed. There is a lot to be sacrificed, however the rewards can be well worth it.

Benefits are Important

Sometimes, the benefits that are offered by a job can be just as important as the income. That is because those benefits will have a variety of different coverages depending on the program the yacht has for the crew. When looking at a new position, you must try to make it a priority to review benefits such as health insurance coverage, disability insurance, life insurance, etc. That’s just one area where MHG is here to help!

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.

Follow these tips to help you decide what you should be looking for in a new yacht crew position.

Shot of a businessman using a digital tablet while woking late at the officeWorking onboard a superyacht can be a very fulfilling job. You will probably receive great benefits, have unforgettable experiences, and develop lifelong relationships. While there are many positives to working on a yacht, there are still aspects of the job that can be quite taxing on someone, and make them consider transitioning to a job onshore. If you find yourself wanting to settle down, and have a more stable position, the following is a list of things you need to consider when transitioning from a yacht crew member to working a 9-5 job!

Pay

Wages for yacht crew members are unique to each position. Crew members can make anywhere from $25,000 per year to upwards of $250,000. If you have been part of a yacht crew for an extended period of time, and worked your way up the ladder, there is a good chance that when transitioning to a corporate job, you will be making less money than what you have become accustomed to working onboard a yacht.

Expenses

Something else that must be considered by yacht crew who are transitioning to a 9-5 job is the additional expenses that you are going to incur. While working onboard a yacht, you don’t have to worry about expenses such as rent, car payments, grocery shopping, etc. These are expenses that are sometimes unavoidable in order to live. Also, many times people assume the cost of living is a lot less than it actually turns out to be in the end.

Work Environment

The work environment in an office is much different than on a yacht, so you may experience a bit of a culture shock. While working on a yacht, you are usually on call 24/7, and much is expected of you. Go above and beyond to keep guests happy, as they are usually paying top dollar. While you should still go above and beyond in any workplace, working in an office won’t require the same demands. For example, if something is broken on the vessel, you may be required to get your hands dirty and do some physical labor. Working in an office typically doesn’t require much physical labor.

Rules

Rules are rules, and they are not meant to be broken if you wish to have a successful career. An office setting has different rules than a yacht. There are privacy laws regarding clients, privacy laws regarding colleagues, local government laws that must be followed, possible federal ones, and everyone’s favorite, HR. Working in close quarters allows people to become close and maybe develop special relationships that may be inappropriate for the corporate world.

Benefits

The employee or job based benefits that people get working in corporate positions are different than those of people working on a yacht. For one, many places only cover 50% of your health insurance, while onboard a yacht it is usually covered 100%. Also, most jobs will offer some sort of retirement planning program like 401K that you can use to prepare for retirement.

Something to keep in mind if you are working for the United States for the first time is that the U.S. does not have socialized healthcare like many European countries do.

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.

If you find yourself wanting to settle down, and have a more stable position, the following is a list of things you need to consider when transitioning from a yacht crew member to working a 9-5 job!

846202328Have you ever heard the saying, “You can do things the easy way, or learn 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.

The Synopsis

A client recently became ill white working onboard a ship in South America. Since the client was from Europe, they were unsure of how to proceed because they were in a foreign land. Instead of going to seek medical treatment using their international medical insurance coverage plan, they decided to try and remedy the illness on their own.

It didn’t take long for the for the client to become increasing sick and in need of emergency medical attention. Thankfully, the Captain was proactive about getting his crew member the medical attention they needed, but that could have turned out to be a much worse situation.

The Scenario

The Captain reached out to his insurance broker and they were able to guide the Captain through the next steps and the proper course of action. In this case, extreme measures were needed to assure the crew member received the medical attention they needed. Tests needed to be conducted to figure what the treatment plan was going to be to take care of this crewmember. Once the tests were completed, it was decided that an emergency medical evacuation was needed to bring the crew member to the United States. Luckily, the insurance broker was experienced in handling these situations and knew what to do every time a challenge came up, and this contributed to the crew member’s full recovery.

The Service

At MHG, we pride ourselves on our service. Below is just a fraction of the steps our insurance broker took to ensuring the client received the care they needed.

· Set up a text line of communication to keep track of everything.

· Spoke with the local hospital and facilitated contact with the insurance carrier, which advised the carrier’s “emergency team” to step in.

· Remained in constant contact with the emergency team and the Captain throughout the weekend.

· Provided the emergency team with a list of healthcare facilities that were in the network of the insurance plan.

· The emergency team contacted our insurance broker when they needed vital information to proceed with the medical evacuation.

· Provided the necessary information and paperwork to receive a Humanitarian Visa.

The Lesson

Thankfully, everything turned out to be ok after receiving the necessary medical treatment and attention. Different companies and teams worked together seamlessly which was aided by an experienced and dedicated insurance broker. In situations like these, you can’t put a price on customer service, and in this case, it may have saved a life.

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”.

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.