Crew Insurance
MLC 2006 Compliant Solutions
Comprehensive social protection for sailors worldwide. Fully compliant with the Maritime Labour Convention (MLC 2006) and French Decree requirements.
Healthcare Insurance
Works like Social Security + Private Health Insurance. Covered 24/7, globally.
No Waiting Period
You are covered from the very first day of your subscription.
Global Coverage
Covered in your country of residence and worldwide. Not just travel insurance.
Choice of Doctor
Go to any accredited doctor or specialist. Direct billing available for hospitals.
Alternative Medicine
Osteopaths, Chiropractors, and Acupuncturists covered under the PERFECT plan.
Essential
- Hospitalization 100%
- Routine Medicine 80%
- Medical Evacuation Included
- Civil Liability Option
- Dental Care Not Covered
- Optical Care Not Covered
- Alternative Medicine Not Covered
Standard
- Hospitalization 100%
- Routine Medicine 80%
- Medical Evacuation Included
- Civil Liability Option
- Dental Care 80%
- Optical Care 80%
- Alternative Medicine 80%
Perfect
- Hospitalization 100%
- Routine Medicine 100%
- Medical Evacuation Included
- Civil Liability Option
- Dental Care 100%
- Optical Care 100%
- Alternative Medicine 100%
Privilege
- Hospitalization 100%
- Routine Medicine 100%
- Medical Evacuation Included
- Civil Liability Included
- Dental Care 100%
- Optical Care 100%
- Alternative Medicine 100%
See more
| Benefits | Essential | Standard | Perfect | Privilege |
|---|---|---|---|---|
| Annual Limit | 100,000 | 100,000 | 500,000 | 2,000,000 |
| In-Patient / Hospitalization | ||||
| Accommodation (Room) | 100% | 100% | 100% | 100% |
| Intensive Care & Surgery | 100% | 100% | 100% | 100% |
| Medical Imaging (In-patient) | 100% | 100% | 100% | 100% |
| Organ Transplant | 100% | 100% | 100% | 100% (max 200k) |
| Out-Patient / Routine Medicine | ||||
| Consultations (GP/Specialist) | 80% (Max 3,000) | 80% | 100% | 100% |
| Prescribed Medicines | 80% (Max 3,000) | 80% | 100% | 100% |
| Lab Tests & Diagnostics | 80% (Max 3,000) | 80% | 100% | 100% |
| Alternative Medicine | Not Covered | 80% | 100% | 100% (Max 5,000) |
| Dental Care | ||||
| Routine Dental | Not Covered | 80% (Max 600) | 100% (Max 3,000) | 100% (Max 2,500) |
| Major Restorative | Not Covered | 50% | 60% | 100% (Max 2,500) |
| Dental Prosthesis | Not Covered | 50% | 60% | 100% (Max 3,000) |
| Accidental Dental | 100% | 100% (Max 500) | 100% | 100% |
| Vision / Optical | ||||
| Glasses & Lenses | Not Covered | 80% (Max 300) | 100% (Max 1,500) | 100% (Max 700/eye) |
| Eye Surgery | Not Covered | 80% | 100% | 100% |
| Maternity (Waiting Period Applies) | ||||
| Childbirth / Delivery | Not Covered | 100% (Max 3,000) | 100% (Max 5,000) | 100% (Max 12,500) |
| Assistance & Repatriation | ||||
| Medical Evacuation | Included (Max 5k-12.5k) | Included (Max 5k-12.5k) | Included (Max 10k-25k) | Fully Covered |
| Repatriation Home | Included (Max 12,500) | Included (Max 12,500) | Included (Max 25,000) | Fully Covered |
| Civil Liability | Option | Option | Option | Included |
Death & Permanent
Disability
Financial security for the insured and their beneficiaries in the event of severe incidents.
L.O.L & P.T.D
Loss Of Life (L.O.L) and Permanent Total Disability (P.T.D) insurance pays a lump sum capital to the insured or beneficiaries.
No Minimum Threshold
Unlike many policies, our insurance compensates without minimum incapacity. Every percentage of disability is recognized.
Temporary Total Disability (TTD)
Supports the salary of the sailor during temporary work stoppage due to accident or illness.(Note: TTD is linked to a labor contract and typically paid to the shipowner).
Mandatory Basic Social Protection
The MLC 2006 (Maritime Labour Convention), enforced since 2011, defines the rules for mandatory social protection for commercial vessels.
3 Mandatory Branches Covered:
- Sickness and accident benefits
- Compensation for death or permanent disability
- Daily allowances for accident or illness
*Coverage must be nominative and cover the sailor 24/7 for the entire duration of the employment contract, without distinction between private and professional life.
Subscription & Eligibility
Flexible plans adapted to the life of the sailor, whether individual or group based.
Who Is Eligible?
All sailors: On board, on land, or seeking employment.
Individual: 18 to 65 years (Waiver possible with medical questionnaire).
Group: No age limit.
Duration & Termination
Minimum commitment: 3 months.
Renewable by tacit agreement up to one year.
Termination is possible at any time with a maximum of 2 months notice.
Payment & Currency
Currencies: € (Euro), $ (USD), £ (GBP).
Accepted methods: Bank transfer, direct debit, or bank cheque.
*Cash is not accepted.
Details about coverage definitions, payments, and policy specifics.
Can I subscribe individually or as a group?
Yes, the insurance may be purchased individually or as a group. For individuals, subscription can be done directly through our ‘Individual subscription’ section. For groups, we set up a tailor-made plan. Note that the rates shown on this site typically concern individual subscriptions.
What are the age limits for subscription?
Individual subscription is possible from 18 years up to 65 years. A waiver is possible beyond that age, but a medical questionnaire will be requested. There is no age limit for group subscriptions.
Who is eligible for this insurance?
All sailors are eligible, whether they are currently on board, on land, or seeking employment.
What is the duration of the contract?
We are flexible to adapt to the life of the sailor. The minimum commitment duration is 3 months, up to one year, renewable by tacit agreement.
Can I terminate the contract?
Yes, termination is possible at any time with a maximum of 2 months’ notice.
What currencies and payment methods are accepted?
The insurance may be underwritten in Euro (€), US Dollars ($), and Pounds Sterling (£). The levels of guarantees will be adapted to the currency of subscription. Payment may be made by bank transfer, direct debit, or bank cheque. Cash is not accepted.
What is L.O.L and P.T.D insurance?
L.O.L stands for Loss Of Life, and P.T.D stands for Permanent Total Disability. In the event of an incident causing death or permanent disability of the insured party, a lump sum capital is paid to the insured or their beneficiaries.
Is there a minimum threshold for total disability compensation?
No. The insurance compensates from the first percentage of disability without a minimum incapacity threshold.
What is the difference between an incident due to an accident or illness?
An ACCIDENT is a sudden event during the contract duration where the cause is beyond the insured’s control and causes physical injury. ILLNESS is a damage to health not caused by an accident, with objective symptoms established by a medical practitioner.
What is Temporary Total Disability (TTD)?
When an accident or illness occurs during a work contract causing a temporary stoppage and loss of income, TTD insurance supports the sailor’s salary during this period.
Can I subscribe individually to TTD?
No. Daily allowances (TTD) are strictly linked to a labor contract. The compensation is typically paid to the shipowner.
How does the Healthcare Insurance work?
The insurance works like a combination of social security and private health insurance. You are covered in your daily life both at home and at work, 24/7.
Is there a waiting period?
No. You are covered from the very first day of the insurance subscription!
Am I covered in my country of residence?
Yes. The insurance is global. This is not simple travel insurance but global social coverage. For example, if you subscribed in Euros but receive care in Australia, you can choose to be reimbursed in Euros or Australian Dollars.
Can I go to any doctor or specialist?
Yes, provided they are accredited by the country where they practice. If you are unsure, we advise going to a hospital.
Are prescribed medications reimbursed?
Yes, all medications prescribed by a doctor are reimbursed.
Is alternative medicine covered?
Yes, specifically with the ‘PERFECT’ plan. This includes Physiotherapists, Osteopaths, Acupuncturists, and Chiropractors.
Do I have to pay medical costs in advance?
Yes, for ambulatory medicine (doctors, specialists, optical, etc.). However, for hospitalization (more than one night), you do NOT pay in advance. The hospital team will contact the insurance company directly with your insurance card.
What are the bases for reimbursement?
The insurance company bases reimbursements on actual costs. If a procedure costs 50, reimbursement is based on 50. You are reimbursed 100% or 80% of this amount depending on the formula you subscribed to.
What are the reimbursement delays?
Reimbursements typically take between 48 hours to 2 weeks.
Still have questions ? Contact our expert team
