Vessel owners and professional marine crew members often find it hard to obtain decent medical coverage. Particularly so, since your own country’s social security system may not be adequate unless it includes a costly option that covers you worldwide with no limit on how much time you spend outside the country. As a comprehensive health insurance plan could mean the difference between life and death, it is well worth seeking out an insurer who understands your needs and can provide a policy with your special requirements included at a price that is reasonable. The following questions and answers may help you.

Why Buy Maritime Medical Insurance?

If you are a US citizen living abroad, traditional sources of US private health insurance may not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside. Or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill. If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available

Who is a Reliable Insurer?

HCC Medical Insurance Services has designed a Maritime Citizen plan to meet your needs. Maritime Citizen is insured by Syndicate 4141 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A+’ (Strong) by Standard & Poor’s. Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

Which Coverage Area is Right for Me?

Maritime Citizen offers two coverage areas: including the US and Canada and excluding the US and Canada. Your premiums are lower if you choose the Excluding the US and Canada” option. Check out your medical insurance options.

Am I Eligible for Maritime Citizen?

It is available to citizens of many countries around the world who are at least age 14 days and not over age 74. If you are a US citizen, you must reside outside the US, or plan to depart the US within 30 days of the Effective Date. Citizens of other countries may reside abroad, including the US or their country of citizenship.

Is Coverage Under Maritime Citizen Renewable?

Yes. Maritime Citizen is annually renewable. There are no medical questions at renewal. Renewal is subject to your continued eligibility and timely payment of premiums.

How Do I Apply for Maritime Citizen?

First, get a quote for your Maritime Medical Insurance. Complete the Application for Insurance and send it with your initial premium payment to your agent or to HCC Medical Insurance Ser v i c e s (HCCMIS.