Affiliate Network Sites owned and operated exclusively by eGlobalHealth Insurers Agency, LLC
Insurance Categories
Short term trips
Renewable up to 2-3 yrs
Individual / Family / Groups
International Coverage
Illness / Accident / Emergency
Coverage $50k to $2 Million
One plan for 5 or more persons worldwide;
10% savings over single plan
Mission / church groups, students, travelers, cruisers, etc
Domestic & International Plans
Hospital of Choice (Medjet Assist)
Short term to Annual Plans
Political Evacuation
Long Term Annual Plans
Children Under 10 Free
Worldwide Coverage
Comprehensive & Basic Coverages up to $5 Million
Expats, Missionaries, Marine Crew, Travelers, etc.
Accident / Sickness / Emergency
Layoffs, Job Change, Students, Alternative to COBRA
US Citizens, Green Card, H Visas Residents of US >1yr
Coverage of 1 month - 3 years
Renewable options / RX cards
Worldwide Coverage
All countries
Ransom / Hijack / Detention
Negotiation Consultantcy Services, etc
Worldwide Coverage
Up to 10 yr term
Terminal Illness
AD&D/ personal accident
Double Indemnity
Online Quotes / Application
War / Terrorism Risk Cover Worldwide / Europe
All Countries, Iraq Afghanistan Pakistan and others
Nuclear, Chemical, Biological
Terrorism & War
High Limit Coverage
One week to One year or more
Executives, Physicians / Surgeons, Racers, Entertainers / Musicians, Professional Athletes, Pilots, Jockeys, Pro Golfers, etc
International or Domestic Plans / Independent Contractors Worldwide
Suggested Plans
eGlobalHealth Insurers Agency, LLC ®
International marine & yacht crew medical / life insurance
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
®
© Copyright 2010 eGlobalHealth Insurers Agency, LLC All rights reserved.
The eGlobal Logo (e-Globe) & "eGlobalHealth" are federally registered trademarks
®
417-882-1413
Online secure quotes / applications 24/7... ID cards & documents emailed the same day for most policies.
Only "A rated" insurance carriers / All online forms are SSL Secured for your privacy
= eGlobalHealth Popular Pick of the Month
(All programs offered are from A rated Insurance carriers)
Compare and Quote
Annual major medical insurance for marine crew / captains / boat owners
Professional Mariners require a medical program that they can depend on to protect them throughout the world. Regardless of the type of vessel, Mariners require coverage that provides security, flexibility and benefits unique to the demands of today's Marine Industry. With coverage onboard the vessel and when signed off, you have a true universal policy, created for the Mariner Lifestyle. Sail and travel anywhere with the confidence that you are protected with comprehensive, marine specific coverage providing the safety that you deserve.
The annual major medical crew insurance plans below vary based on the range of benefits included and whether or not the insured is a US citizen / US resident. Note that the HTH Worldwide Global Navigator for Marine Crew is ONLY for marine crew working on board; it is not for private boat owners. All other plans are available for both crew and private yacht / boat owners / captains, etc. Contact us if any questions.
Seven Corners
- Ideal for marine crew / captains / boat owners needing global annually renewable medical insurance coverage worldwide on the high seas, on or off ship
- Up to $5,000,000 in medical benefits
- Emergency evacuation, Repatriation, 24 hour assistance services
- Amateur sailboat racing benefit, AD&D life benefit option, Sports rider option for SCUBA, etc.
- No state or country restrictions regarding eligibility; must intend on residing outside US/ US waters atleast 3+ months per year
- Underwritten by certain underwriters at Lloyds (Surplus Lines Insurer) / A
HCC Medical Insurance Services
- Ideal for marine crew / captains / boat owners needing annually renewable major medical coverage worldwide
- Up to $5,000,000 in medical benefits
- Hazardous sporting activities rider option (SCUBA, etc)
- Emergency evacuation, Repatriation, 24 hour assistance services
- NOT available to residents of NY State (see Reside BLUE) ; must intend on residing outside US/ US waters atleast 6 months per year
- Underwritten by Syndicate 4141, Lloyds (Surplus Lines Insurer) / A
Marine Crew Life & Disability Insurance Plans
Contact us directly for Yacht / Marine Crew GROUP Medical, Life or Disability Insurance Benefits....
INTERNATIONAL MARINE HEALTH, MEDICAL & LIFE INSURANCE COVERAGE FOR PROFESSIONAL MARINE CAPTAINS, CREW MEMBERS, VESSEL & YACHT OWNERS
HTH Worldwide
- Ideal for marine crew ONLY; provides annual coverage on and off ship; seamless coverage that is primary to the ships Protection & Indemnity (P&I) insurance
- Unlimited medical benefits per insured - effective Oct 1, 2011 and after
- Deductibles range from $250 to $5,000
- Deductible waived for physician office visits, physical therapy and evacuation
- 100% coinsurance overseas- 80%/60% in US to coinsurance max, then 100%
- No exclusionary riders for pre-existing conditions and no manifestation clause
- If accepted onto the plan, 12 month pre-existing condition wait can be eliminated with prior creditable coverage
- Preventive care covered to $250 and has no wait period
- Excludes coverage for acts of war (Terrorism is covered)
- Covers alcohol related injuries, sail boat racing, STD’s, and more
- Fully profiled, elite provider network in 190 countries
- Access to the Aetna network in the United States
- Underwritten by BCS Insurance Company (US Insurer) A rated
- No precertification penalty for hospitalization or surgery
- No added surcharge for monthly billing
- Eligible Member - For Maritime Crew Members
All U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S.(citizens and foreign nationals) are eligible if they apply from an approved state (below). Non U.S. Citizens/Residents who are 75 or younger at the time of application are eligible if applying for coverage outside of his/her home country. The country of assignment must be other than the Eligible Member’s home country and they must be a professional crew member. Eligible Members returning to their home country are covered for a maximum of 12 months.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming
MARINE HEALTH INSURANCE 101 - The Global Navigator from HTH
Growing demand leads to top notch international health insurance being available for the first time in the marine industry
You barely have to turn the page in a newspaper or magazine these days to see that globalization is at the epicenter of the new world order. As global lifestyles emerge, the demand for comprehensive major medical insurance has grown rapidly. In response to this demand, a new generation of superior health plans is now available to serve the marine market. This is a positive development for the marine industry which has historically had limited choice when it comes to coverage. Existing insurance options have often missed the mark because of limited benefits, long waiting periods, harsh exclusions, pre-certification penalties, lack of portability and other constraints.
Well built for the long haul
Insurance regulators have historically encountered international health plans primarily in the form of surplus lines products. These plans are technically not a health insurance policy. Nevertheless, surplus lines plans have been the only renewable health option available to the marine industry up until now. The Florida Department of Financial Services recently approved the sale of a new health insurance plan to serve people with global health insurance needs. Florida joins more than 40 other states in approving a health plan geared for people with a global lifestyle. Benefits are available inside and outside of the United States with no cap on time spent in any one place. The new generation of plans respond whether you spend the majority of the year sailing the eastern seaboard or most of your time in the Mediterranean or Caribbean.
Admitted Health Insurance vs. Non-Admitted, Surplus Coverage
Comparing surplus coverage to true health insurance is a little like comparing a small pleasure craft hull to that of a long range expedition yacht. They are built very differently with far reaching consequences. Your personal health and financial security could hang in the balance.
Admitted health insurance advantages include:
Critical Protection- You are protected under US insurance laws and oversight. U.S insurance laws are strict and have long favored the health care consumer. This means that policy language must meet the plain English definition. Policy wording, plan definitions, exclusions, state mandates for coverage, claims process, claims turnaround times, formal appeals process all must meet regulatory muster.
Ongoing Coverage Rights- An admitted plan can be kept even after your employment ends. US insurance laws have stepped up to ensure portability and renew ability of coverage. This is designed so that people do not suddenly find themselves out of a job and uninsurable. Admitted plans can be kept after employment ends whether you were covered under a group or individual policy.
Medical Provider Networks- Larger networks tend to be available in the United States with fewer billing issues for members. In addition, contracted doctors and hospitals are available in overseas ports. These providers are set up in many instances to bill the insurance company directly. Providers are profiled, contracted and members can review their biographical information.
Better Benefits- Admitted benefits tend to be broader and deeper with few waiting periods or low limits on medical conditions. The table below illustrates some of the major differences between an admitted health plan and a non admitted surplus plan.
Coverage Considerations : Admitted Health Insurance vs. Non-Admitted Surplus Insurance
Must conform to U.S. health insurance laws
Unlimited time can be spent in or out of the U.S.
Pre-existing conditions coverage available*
Covers appendicitis, kidney stones, gall stones, breast disorders in the initial 6 month period and beyond
Substance abuse benefits included
Transplants covered to policy maximum
Terrorism covered worldwide with no excluded countries
Preventive services covered with no waiting period
Pre-certification is not required when seeking care
Alcohol related injuries and illnesses are covered
Amateur sail boat racing covered to policy maximum
Deductible waived for physician office visits
Wellness benefits covered with no waiting period
Cashless access to physicians outside U.S. -180 countries
Access to 700,000 contracted providers in the U.S.
*References individual products sold. Subject to prior credible health insurance. Listing above is meant as a general guideline of individual products offered. Some benefits and services may vary by insurer.
Calmer seas are ahead and the waters are patrolled frequently
Navigating health insurance just got a lot smoother. An industry with an appetite for the best can now enjoy superior health insurance. As always, it is a good idea to do your home work. Always ensure that you read the fine print rather than just scanning a benefit schedule. Ask your broker or insurance company to send you a sample policy so you can get the complete picture.
International Medical Group, Inc.
A comprehensive and portable international medical insurance plan designed specifically for professional marine crew. CrewSelect International can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your global health care benefits.
- Ideal for marine crew / captains needing annually renewable major medical coverage worldwide
- Up to $5,000,000 in medical benefits
- Hazardous sporting activities rider option (SCUBA, etc)
- Emergency evacuation, Repatriation, 24 hour assistance services
- Underwritten by Sirius International (Surplus Lines Insurer) / A
