IMG

International Marine Medical Insurance

International Marine Medical Insurance, Marine health insurance - IMG International Marine Medical Insurance Worldwide group medical insurance for professional marine captains and crew.

Plan Summary

  • Policy maximum: US $5,000,000 per insured per certificate period.
  • Underwriter: Underwritten by Sirius International Insurance Corporation, Sirius International is a White Mountains Insurance Group company.
  • Worldwide group insurance for expert marine crew
  • Primary to the vessel's Protection and Indemnity insurance plan (P&I)
  • Coverage for person and dependents

Plan benefits of International Marine Medical Insurance

Plan Information
Coverage Type Primary to P&I
Coverage Area Worldwide
Rate Guarantee Initial 12 months
Deductible - Calendar Year Select from deductible options $100 to $10,000
Medical expenses incurred in the U.S., in-network Plan pays 50% of eligible charges
Medical expenses incurred in the U.S, out-of-network Plan pays 50% of eligible charges
Medical expenses incurred internationally Plan pays 50% of eligible charges
Wellness Benefit - Available after 12 months on plan Plan pays up to $250 per calendar year
Illness or Accident Benefit Subject to deductible & coinsurance
In-patient & Out-patient Subject to deductible & coinsurance
Emergency Room - Injury Not subject to Emergency Room Deductible in U.S. (subject to deductible & coinsurance outside U.S.)
Emergency Room - Illness Subject to an additional $250 deductible if treatment does not require admittance to the hospital (waived outside U.S.)
Emergency Local Ambulance Subject to deductible & coinsurance
Hospital Indemnity Overnight maximum limit: $100; maximum overnight limit: 20; maximum limit: $2,000; only available internationally
Emergency Medical Evacuation $1,000,000 lifetime maximum benefit per person
Emergency Reunion $10,000 lifetime maximum benefit
Supplemental Accident $300 maximum limit per covered accident
Return of Mortal Remains $25,000 maximum limit; $10,000 local burial/cremation maximum limit
Transplant $1,000,000 lifetime maximum
Home Nursing Care, Extended Care Facility Subject to deductible & coinsurance
Physical Therapy $75 maximum limit per visit; medical order or treatment plan required
Prescriptions Subject to deductible & coinsurance
Mental or Nervous, Substance Abuse, & Counseling $20,000 lifetime maximum
Sudden & Unexpected Reoccurrence of Pre-existing Conditions Up to the calendar year maximum limit
Exams $100 per 24 months
Corrective lenses and/or frames $150 per 24 months
Pregnancy & Newborn Care Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life; subject to deductible and coinsurance
Pregnancy Complications Subject to deductible & coinsurance
Amateur Sailboat Racing Subject to deductible & coinsurance
Crew Member Return $2,500 maximum limit
Emergency Dental Subject to deductible & coinsurance; accident-related

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