Yacht Crew Insurance: Are You Covered? | The Wellbeing Project

If you were hospitalised tomorrow, would you know exactly what your yacht's medical insurance covers? What happens if you cannot return to work, need treatment while on leave, or have a pre-existing medical condition?

In this episode of The Wellbeing Project, host Karine Rayson welcomes Michelle van der Merwe, Superyacht Group Manager at Pantaenius, to discuss the realities of yacht crew medical insurance and why understanding your policy before something goes wrong is essential.

Drawing on more than 20 years of experience in yacht and medical insurance, Michelle explains the differences between crew medical insurance and liability cover, the limitations of certain policies, and the questions every crew member should be asking.

Topics covered include:

• Medical insurance coverage and common exclusions.
• Pre-existing conditions, mental health treatment and pregnancy.
• Insurance protection during leave, rotations and visits home.
• Sick pay, employment termination and what happens when crew cannot return to work.
• Medical confidentiality and submitting insurance claims.

• The responsibilities of captains, yacht managers and owners in communicating crew benefits.

An important conversation for yacht crew, captains, managers and owners about understanding medical protection, identifying potential gaps and making informed decisions before a claim becomes necessary.

The Wellbeing Project | Yachting International Radio

Host: Karine Rayson | The Crew Coach
https://www.thecrewcoach.com

Guest: Michelle van der Merwe | Pantaenius Yacht Insurance
https://www.pantaenius.com

Yachting International Radio
https://www.yachtinginternationalradio.com

#Yachting #Superyacht #YachtCrew #CrewInsurance #CrewWelfare #TheWellbeingProject