Crewsure is an international health plan for seafarers. The plan was launched to enable shipowners and managers to meet new legal obligations under the Maritime Labour Convention, which came into effect worldwide from 13 August 2013, and the ITF Collective Bargaining Agreement.
Crewsure Marine (there is also a separate Crewsure Yacht plan available to yacht owners) covers a ship’s crew and provides the following benefits:
* Health cover up to $500,000. A higher figure is available by negotiation. A $250 deductible applies to this benefit. Pre-existing conditions are covered.
* A lump sum of $100,000 (more for officers) for permanent disability after an accident. Cover is higher for junior officers ($150,000) and senior officers ($175,000).
* Up to $100,000 accidental death cover. An additional $18,700 is paid for each dependent child under age 18, up to a maximum of four children.
* Baggage cover up to $1,000 ($50 deductible) for a single item, or $2,500 in any 12 month period.
* Repatriation following abandonment (after abandonment of a vessel due to insolvency). Loss of wages can also be covered and this benefit can be bought on a standalone basis too. There is a 21 day waiting period for this benefit.
Benefits can be tailored based on particular needs.
The plan is available to all seagoing employees of the policyholder who are suitably qualified and/or licenced crew or officers. One condition is that the pre-employment medical examination (PEME) and the certificate of competency (or other relevant qualification) and all individual crew details are current and up-to-date and all individual crew details are registered.
Claims must be made through the vessels’ master, who must then notify Crewsure’s 24 hour claim department.
What They Say
Managing director Robert Johnston said: "I intend to see Crewsure working harmoniously with the maritime industry as we strive to deliver a composite insurance product complementary to P&I insurance, which finally delivers the security and benefits that seafarers deserve. We recognise that it is critical to engage with unions, shipowners, ship managers, manning agents and the insurance industry, which we have been doing and we will continue to do. The development of the Crewsure product has been, and will remain evolutionary."
What We Say
"Since August, crew members have enjoyed greater protection and this plan is designed to meet those new statutory needs. It is not a replacement for having other life and health cover, but it does ensure crew members get at least a basic level of protection.
"In practice, the plan is flexible and benefits can be changed and increased on negotiation. This is clearly a very specialised market but, where such cover is needed, Crewsure offers a plan worth looking at."