We recently spoke with Sherry Wertz, the Director of the Cruise Division at MHG Insurance, about the evolution of Crew Benefits in the cruise industry, emerging trends, and how cruise employers are improving their benefits to address challenges in attracting and retaining talent.

With over 30 years of experience in the cruise industry, Sherry is a well-recognized authority on Crew Benefits. Her career began onboard before she transitioned into senior management roles across multiple cruise lines, concessionaires, and companies supporting the cruise sector. Sherry’s extensive industry knowledge and Crew Benefits expertise allow her to connect easily with both seagoing crew members and corporate leaders, understand their challenges, and provide effective solutions.

Let’s dive in! 

 

Q: MHG has been providing insurance advice and guidance to the cruise industry for over 30 years. How have Crew Benefits, and the industry's approach to providing them, evolved during that time?

Years ago, health benefits were mostly just for senior officers in the Deck and Engine departments. But that’s really changed. More and more employers are seeing the value in offering health coverage to all officers and crew. Offering some form of healthcare coverage not only supports the well-being of employees but also benefits employers by creating a healthier, happier, and more productive workforce.

 

Q: What key factors have driven these changes, from regulatory requirements to shifting crew expectations?

The Maritime Labour Convention, or MLC, really helped set the standard for protecting the welfare of crew at sea. It holds cruise lines accountable and makes sure they’re meeting those requirements. On top of that, with so much information available online now, crew members are more informed than ever. They know their rights, understand what fair treatment looks like, and are more aware of the standards that should be in place.

 

 

Q: With attraction and retention continuing to be a challenge, how does investing in Crew Health insurance impact recruitment and long-term retention of officers and crew?

Competitive recruitment is essential. Many officers and crew are looking for employers who value their contributions. Providing a strong Crew Benefits package is a powerful way to show that appreciation and stand out as an employer of choice.

 

Q: What are cruise lines doing to differentiate their benefits packages to stay competitive in attracting and retaining top talent?

More and more cruise employers are expressing interest in offering retirement or loyalty bonus packages to their officers and crew. These plans can be started with just a small group of participants and a modest investment, then allowing them to grow over time. It’s a great way to help your team plan for the future while also encouraging them to stay with you. While we don’t handle this directly, we work closely with a trusted financial services partner who has over 40 years of experience in this area.

Q: Are there specific benefits that have been particularly effective in improving crew satisfaction and engagement?

Dependent coverage, for sure! Crew members appreciate being able to add their spouse or children to the health insurance plan. Even if the crew member has Vacation Only coverage, the dependent coverage is in effect year-round, offering their families continuous coverage and peace of mind.

Q: Based on your experience, is medical coverage still the most valued benefit among crew, or are other benefits gaining importance?

Yes, medical coverage is still the number one benefit that officers and crew really value.

Q: Costs are always a concern. How can cruise lines strike the right balance between offering competitive coverage and managing expenses effectively?

Providing a Vacation Only plan for a small group of officers and crew can be a good option for employers wanting to provide benefits but who may have a tight budget. Another option may be to select a higher deductible, which helps keep costs down while still giving your crew meaningful coverage. It’s all about finding the balance between value and expense.

Q: Are there cost-effective ways to enhance coverage without significantly increasing premiums?

Again, higher deductibles can help manage costs while still offering valuable coverage. Make sure you’re also tailoring the plan to your crew. For example, if the insured population does not include U.S.-based members, excluding U.S. coverage can lower costs while making the plan fit your team’s needs better. It’s really about adjusting the plan to what makes sense for your crew.

 

Q: What advice would you give to smaller, boutique cruise lines that have recently entered the market and may not have an established crew benefits program yet?

Start small. Consider offering a Vacation Only plan with a deductible to your senior officers. It’s a smart way to keep costs manageable while still giving your crew meaningful benefits. Plus, it sets a solid foundation you can build on as your Crew Benefits program grows down the road.

Q: Looking ahead, what Crew Benefits trends should the cruise industry be preparing for over the next 5 to 10 years?

Start preparing now to expand your benefits. Medical for officers, crew, and their dependents is key now, but employers should be looking to add Long Term Disability and Life insurance as well as Retirement or Loyalty Bonus-type packages in the future.

 

Q: Is there anything else that cruise line management may not be thinking about when it comes to Crew Benefits, but should be?

I think crew mental health and overall well-being deserve far more attention. While organizations like ISWAN offer valuable resources such as Seafarer Help, I’d like to see more cruise line employers take a more proactive role in championing mental health support onboard.

Having worked at sea, I know how rewarding a career at sea can be but also how isolating and challenging it is sometimes. Making mental health resources more visible, accessible, and embedded in company culture could make a significant difference in crew morale, productivity, and retention.

 

Q: MHG introduced benefits to the industry over 30 years ago. What do you think keeps us competitive and at the forefront of the industry today?

It is our expertise and our commitment to client service. Clients say we take the time to understand their insurance needs and respond quicker to their questions and requests than anyone else they've worked with. Some have even asked if they're our only cruise client, which is the ultimate compliment and says a lot about how personalized our service feels. Just a few weeks ago, we got that kind of feedback again.

Officers and crew also regularly thank us for being there for them, whether answering coverage questions or helping with claims. We enjoy our jobs and genuinely care. That really makes us stand out.

Thank you, Sherry, for sharing your Crew Health expertise with us. Your passion for the cruise industry and dedication to helping employers offer the best possible benefits really shines through. MHG is known for providing expert guidance and personalized service that truly makes a difference for both employers and crew. To learn more, visit mhginsurance.com or get in touch with us directly.

Performing as a guest entertainer on a cruise ship offers an exciting blend of adventure and opportunity. You can travel the world aboard a beautiful vessel, impress audiences from diverse backgrounds, and expand your network, and hopefully, your loyal fanbase! With plenty of downtime to enjoy trips ashore and ship amenities, this lifestyle can feel like a dream job.

Before signing your next contract, there is one crucial detail to address: your Health insurance coverage! In this blog, we’ll break down the types of coverage cruise lines typically require, explain what’s included, show how it works with real-world examples, outline plan options and costs, walk you through how to purchase coverage, and share key tips to ensure a smooth and successful insurance experience.

What Do Cruise Lines Require?

Always refer to your agreement with your employer; however, most cruise lines generally require you to have international medical coverage that will protect you from accidents and illnesses throughout your contract. Common requirements include:

·         A plan limit of at least $1,000,000

·         Coverage for emergency medical evacuation, repatriation, and Covid-19

What Type of Plan Do You Need?

Since you'll be working and traveling internationally, you'll need a Travel Medical insurance plan. But not just any plan will do. It’s crucial to choose one that covers work-related activities, especially those related to performing.

Many standard Travel Medical plans exclude job-related injuries, which means if something happens on stage or during rehearsal, you might be stuck with the bill. And in many cases, your domestic Health insurance may be difficult to use abroad.

We know insurance can be confusing in general. As a performer, your situation is even more unique. It’s important to have a plan specifically designed for your needs so you’re protected when it matters most. Fortunately, the MHG team has worked with tens of thousands of cruise ship guest entertainers, and we are happy to help you find the right plan to fit your contract.

What Does Travel Medical Insurance Cover?

Travel Medical insurance is designed for individuals temporarily traveling outside their home country. It typically covers new accidents and illnesses. You can seek treatment from the ship's doctor or, when in port, at a doctor's office, urgent care center, clinic, or hospital. Keep in mind that Travel Medical insurance is for accidents and illnesses only, it does not cover routine checkups or wellness care.

This type of insurance serves as your safety net if something unexpected happens while you are outside your home country. Let's review a few real-life examples to illustrate how the coverage works in practical scenarios:

Real-Life Examples

1. Stage slip leads to stitches: Mid-performance, you slip and sustain a deep cut on your forehead. The ship’s doctor cleans and stitches the wound. Because you chose a $0 deductible, you submit the doctor's report, invoice, and receipt for full reimbursement.

2. Food poisoning from dubious shellfish: You resist your instincts and indulge in mussels during a shore trip. Later, you suffer from a severe case of food poisoning. You visit the ship’s doctor, receive antibiotics, and follow rehydration instructions. You’re grateful for the treatment, but since your treatment cost less than your $1,000 deductible, you bear the expense with no reimbursement.

3. Jellyfish sting on an excursion: While enjoying some well-earned free time, you go on a scuba diving trip, where a jellyfish sting requires you to visit an onshore urgent care. After treatment and picking up a prescription, your total medical bill comes to $150. You submit your claim. Because you chose a $100 deductible, you pay the first $100, and your insurance reimburses you the remaining $50.

Bottom line, while a $1,000,000 plan limit is typically required, it's worth considering a $0 deductible. That way, if you do get sick or injured, your coverage starts right away without having to pay anything out of pocket first. And in many cases, the cost difference between a $0 deductible and a higher one is minimal.

Single Trip vs Annual Plan: Which One Is Right For You?

Single Trip Travel Medical plans typically offer coverage from 5 days up to 12 months. This is usually a good fit for guest entertainers that have a few contracts a year.

If you're booking multiple gigs throughout the year, an Annual Travel Medical plan might be a better choice. These plans provide coverage in 30, 60, or 90-day blocks per trip. You can take as many trips as you like during the year, as long as each one stays within your selected day limit. Coverage isn’t just limited to when you’re working but can be used for vacations abroad as well.

 

How Much Do Travel Medical Plans Cost?

Travel Medical insurance is often more affordable than you might think. For example, at the time of this post, a Single Trip plan for a 30-year-old American traveling in the Caribbean for 30 days, with a $1,000,000 coverage limit and a $0 deductible, costs just over $60, plus taxes and fees. An Annual plan covering multiple trips up to 30 days each, with the same coverage and a $250 deductible, was priced at $282 for the year, plus taxes and fees.

The best choice really depends on how often you’ll be traveling abroad. If you don’t plan on booking many contracts during the year, purchasing a Single Trip plan each time may be your better choice. But, if you plan to spend a lot of time during the year performing at sea, an Annual plan could save you time and money.

 

How Do I Purchase Coverage?

Getting covered is quick and simple. Just enter a few basic details, like your destination, age, citizenship, and country of residence. Then, choose your plan limit and deductible. That’s it, enter your details and you’re ready to go! Booking last-minute? No problem. Next-day coverage is available, so you can secure your plan even if you're short on time. Click here to get started on your quote now!

For guest entertainers starting short-term contracts on cruise ships, having the right Health insurance is a contractual requirement and an essential safety net. At MHG Insurance , we make getting the coverage you need easy so you can focus on what you do best: delivering outstanding performances.

Contact us today if you have questions about the coverage or want to sign up. Before you set sail, ensure your insurance plan meets all essential criteria and covers the inherent risks of your job. A little preparation can go a long way toward ensuring your time onboard is safe, successful, and stress-free.

Do you imagine combining your passion for education with the adventure of traveling and seeing the world? If the idea of sharing your expertise while sailing the high seas sounds appealing, then becoming a guest lecturer on a cruise ship might be the perfect career move for you. We've got your guide to exploring the exciting world of cruise ship lecturing, covering everything from the diverse opportunities, essential skills, application process, and the health insurance obligations.

Exploring the Vast Opportunities

Guest lecturers on cruise ships have the chance to explore a variety of opportunities, catering to diverse interests and expertise. One such opportunity is to offer academic lectures and share your knowledge in your field of expertise, whether history, science, literature, or any other subject. Cruise ship passengers often appreciate intellectually stimulating content and are eager to learn from experts.

Another way to engage passengers is to offer lectures on special interest topics such as photography, culinary arts, or wellness. These can provide a unique and enriching experience for guests with specific interests. It's a great way to cater to niche markets and ensure passengers have a memorable and enjoyable onboard experience.

Beyond traditional lectures, cruise lines may offer interactive workshops or class opportunities. This format allows guests to participate and learn hands-on skills actively. Workshops and classes could include anything from arts and crafts classes to cooking demonstrations, dance lessons, or fitness classes. It's a great way to provide guests with a diverse range of activities and ensure that they are engaged throughout the duration of the cruise.

Finally, guest lecturers can embrace the chance to immerse passengers in the local culture of each port of call. By sharing insights into the history, traditions, and customs of the destinations visited during the cruise, guest lecturers can provide passengers with a more meaningful and authentic experience. This can include guided tours, cultural demonstrations, or even language lessons.

If this sounds like you, read on to learn about the skills you will need to be a successful guest lecturer and the following steps to take to get you onboard!

Essential Skills

Successfully delivering educational content on a cruise ship requires a unique set of skills. Beyond your academic qualifications, consider the following:

• Dynamic Presentation Skills: Cruise ship audiences consist of individuals from various backgrounds and age groups. It is crucial to present your material in an engaging, accessible, and entertaining manner.

• Adaptability: Cruise ship schedules can change due to weather or other unforeseen circumstances. Flexibility and the ability to adapt to unexpected changes are essential traits for a guest speaker.

• Interpersonal Skills: Building a connection with your audience is vital. A friendly and approachable demeanor will enhance the overall experience for passengers.

• Tech Savvy: Familiarize yourself with the audiovisual equipment available on cruise ships. Being comfortable with technology ensures smooth presentations and minimizes technical hiccups.

Setting Sail on Your Guest Lecturer Journey

Before embarking on your journey as a guest lecturer, it's crucial to understand the application process. Cruise lines typically partner with agencies specializing in educational and entertainment programs. These agencies act as intermediaries, connecting skilled professionals with cruise ship opportunities.

Start the process by researching reputable enrichment agencies that work with the cruise lines you want to work with. These agencies can provide information on how to apply for guest speaker positions and connect you with the relevant cruise lines.

Once you've identified an agency to work with, it's essential to prepare a compelling resume or portfolio highlighting your educational background, expertise, and any relevant experience in public speaking or teaching. Ensure you emphasize your ability to engage and captivate an audience, which is crucial for success as a guest lecturer on a cruise ship.

In addition to a strong resume or portfolio, you'll also need to develop a riveting presentation proposal. Cruise lines are interested in unique and engaging topics that will captivate their diverse audience. While zoology or history seem to be obvious topics, you might be surprised by some other topics, including photography,

cooking, astronomy, and art. Tailor your presentation proposal to appeal to cruise ship passengers seeking education and entertainment.

Navigating the Insurance Waters

Before you can set sail, it's crucial to understand the cruise line’s health insurance requirements in your contract. Some cruise lines may provide coverage for you to buy while others may require you to purchase coverage from an approved provider. While coverage requirements vary across the cruise industry, many of the cruise lines require their guest lecturers to have at least $1M in coverage and coverage for emergency medical evacuation, repatriation, and Covid-19. Review your specific agreement for details.

At MHG Insurance, we specialize in health insurance plans for the marine industry. We would be happy to help you understand your health insurance requirements and find you the right plan for your specific situation. Plans typically include coverage for accidents and illnesses occurring on and off the ship, do not include work exclusions, and can be purchased online in just a few steps. If you have questions, or would like to get a health insurance quote, get in touch with us at mhginsurance.com.

Many who seek to merge their passion for travel with their professional goals look towards working on a cruise ship. The job is a captivating choice, from breathtaking destinations to diverse job opportunities, and it's easy to understand why it's a coveted career path for many. Still, it's much different from an on-land 9-5. Here's what it's really like to work on a cruise ship.

The Rhythms of Cruise Ship Life

While the allure of travel is undeniable, life on each ship comes with a very unique rhythm and routine. The ship operates 24/7, which means that the work never truly stops. Employees often follow a rotating schedule, working for several weeks before enjoying a period off at various ports. While this is a demanding schedule, it offers a chance to build close relationships with coworkers and form a tight-knit community.

A Melting Pot of Cultures and Professions

Cruise ships are like microcosms of society, housing a diverse range of people and professions, which means there is almost always a place for you. From the ship's officers and crew to hospitality staff and entertainers, the ship becomes a melting pot of cultures and professions. Interacting with colleagues from various backgrounds fosters a sense of camaraderie and offers opportunities for personal growth and learning. Whether you're a chef, a housekeeper, a musician, or a fitness instructor, there's a place for diverse skill sets and experiences on board. 

Challenges on the Horizon

Working on a cruise ship isn't always smooth sailing. Close living quarters, long working hours, lack of consistency, and separation from loved ones often present challenges. Crew members may experience homesickness and isolation from being at sea for extended periods. Moreover, adapting to the constantly changing environment can be daunting, as employees must quickly adjust to new destinations, passengers, and cultural norms.

Rewards Beyond Measure

Despite the challenges, a career at sea offers rewards that go beyond financial compensation. The opportunity to see the world, make lifelong friendships, and develop valuable skills is an invaluable aspect of shipboard life. Many employees find that the experiences gained at sea profoundly impact their personal and professional growth. Moreover, interacting with passengers from diverse backgrounds allows for meaningful connections and creating lasting memories, a chance that is hard to come by working in a less diverse field.

Navigating the Future

As the travel industry evolves, so does the world of cruise ships. The industry constantly innovates to provide cruise guests new experiences, from onboard entertainment to shore excursions. These enrichments can transcend to new technologies and trends, which can be exciting and challenging for employees. As sustainability becomes a more pressing concern, cruise lines also focus on eco-friendly practices, providing opportunities for employees to contribute to a greener future.

Working on a cruise ship offers a unique opportunity for adventure, camaraderie, and personal growth. Consider stepping aboard and setting sail into a world of endless possibilities, it may just be the right challenge for you.

Since 1991, MHG has been an expert in health insurance plans for officers and crew. If you would like to speak to an insurance specialist today about insurance coverage that could benefit you, visit mhginsurance.com.

Working onboard a cruise ship is a lot different today than it was many years ago. Gone are the days of individuals electing to work at sea just for the experience and the lifetime of memories one can make. Obviously, those are still some of the great benefits of choosing this line of work, but today, crew members and officers are career oriented, with goals and opportunities to work 10 or more years onboard. With a shift to career focus, whether or not “tangible” benefits are offered has become a key influence when choosing an employer.

Stand Out

The cruise industry is more competitive than it has ever been, and trends and forecasts have it becoming even more so over the next 5-10 years. Which begs the question, “As an employer, how do I stand out from the competition?” Attaining loyalty from your crew and officers and ensuring they return year after year, or contract after contract, is a great way to build a foundation for success and take the lead. One of the simplest ways to achieve that goal is by offering a comprehensive benefits package!

Comprehensive Benefits Package

Offering a comprehensive benefits package can be one of the quickest and easiest ways to get the ball rolling on making sure you are a sought-after company for officers and crew, long term! Sure, comprehensive benefits sound nice, but what does it actually mean?

Providing more than just the basic medical coverage for your crew can be cost-effective and ensures your crew return after their holiday in their healthiest state. Ensuring your crew are healthy is not only important but also vital to your business. If you do not currently provide any additional medical benefits besides the legal requirements, you may wish to consider a vacation medical policy. This is medical coverage for your international crew once they sign off the ship from a completed contract until they return for their next contract. This kind of coverage allows the crew members to visit doctors while signed off and take care of any medical needs or treatment necessary and ensure they are physically ready to return for their next assignment onboard. Policies can also include the employees’ dependents, which would be 24/7 worldwide.

Going a step further, consider primary medical insurance for your crew or senior officers. This kind of policy is primary to the required P&I insurance. While an additional cost, these plans provide excellent medical coverage 24/7 with global networks worldwide and put you in a more attractive position as an employer.

MHG has been providing insurance solutions for the maritime industry for over 30 years. We pride ourselves in offering superior service for your business needs. For questions or assistance, please contact us at mhginsurance.com, or call +1 954 828 1819 or +44 (0) 1624 678668 and ask for the cruise division.

A new year is upon us, which means that many of you are planning out the year ahead and have a general idea of your goals and targets. But one area you may not have considered thinking about is your insurance. More specifically, how using a broker can help you!

Time and time again, we come across people who have the wrong idea of what an insurance broker is and why they are actually advantageous to the consumer. So, how can using a broker help you have a successful year, you might ask? Simple, we work for you! Think of us as another employee or someone you have contracted to work to get you the best coverage, the best price, and continue to work on your behalf all the way through any potential claims. It is important to take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning when finding a plan, but it will also serve you well for the entire time that you have private health insurance needs, on a yacht or wherever your travels may take you.

What Does a Broker Actually Do That You Cannot Do Yourselves?

First, they spend all day, every day dealing with insurance. They know the insurance industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no-nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Second, insurance brokers evaluate and research the marketplace on a regular basis. A reputable broker knows the dynamics of the insurance industry, what the headlines are, what is no longer relevant, and which carriers provide consistent service. Nothing is more frustrating than finding an insurance plan that fits your needs, only to realize at time of claim that the company does not deliver.

Finally, as stated before, a broker advocates and works on your behalf. When a situation arises where a helping hand is needed, you can turn to your broker for assistance, leaving you to continue to concentrate on your work.

But What About Costs?

Have you ever heard the saying, “brokers make you broker”? That saying could not be further from the truth. In contrast, working with a broker can save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgment of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client. At the end of the day, utilizing an expert for the same price as doing everything yourself can only have a positive impact on your bottom-line.

Brokers Can Offer More of a Selection

One benefit of an insurance broker is the selection of policies and plans. Typically, brokers can help you select insurance from a variety of different companies. Different insurance companies offer different plans, so having access to plans from multiple companies can afford you the opportunity to find the coverage that fits you best and fits your budget best.

Also, depending on the insurance brokerage they may sell different types of insurance, allowing you to have a one stop solution for all your insurance needs.

Brokers Do Much More Than Sell Insurance

While brokers may act as the middleman between you and the insurance company, they can be so much more than that. An insurance broker will conduct research for you, file and assist you with the claims process, and work to get you the best coverage option for your situation. Often times a broker has direct connections with decision makers at the insurance companies so you may not have to sit on a 1-800 line for a long time, only to learn someone doesn’t have the authority to help you. Brokers also know which carriers provide consistent service, allowing you to avoid companies that may not deliver the level of care that you deserve at time of claim.

We Work for You!

As brokers, we do not work for any insurance company, we work for you! Our goals are to please you, and make sure all your questions and concerns are handled. If you think about it, with all the benefits of using an insurance broker, it is certainly better than just going out and buying a policy from an insurance agent. Will an agent fight for you and your best interests?

What sets MHG apart from other brokers?

MHG is one of the leading companies to push for crew benefits across both the yachting and cruise industries. 30 years ago, the marine industry started to boom, and MHG has been there from the beginning championing the wellbeing and livelihoods of crew members around the globe. 

With our growth in the industry and MHG becoming more and more diverse, MHG also began to offer other areas of coverage such as travel, travel medical and life.

As you can see, using an insurance broker offers a number of benefits, from saving you time, money, stress, etc., helping you focus on your upcoming year ahead. Are you interested in working with an insurance broker to help you achieve your goals? Contact MHG today! Give us a call at 954-828-1819, or visit mhginsurance.com.

If you’re a Crew Member working onboard a cruise ship, we have some important information for you regarding insurance claims. As you know, Crew Insurance is different than your typical health insurance policy, which means there are some points you need to consider and be aware of when it’s time to go use it.

Claim Payments

One of the more common questions we receive is “When should I pay a medical bill and when would a provider bill the insurance company directly?” Generally speaking, all claims incurred outside of the United States will likely require you to pay for the services upfront. In some cases, your provider will have a direct billing agreement in place with your insurance company and will bill them directly, but this is not the norm so it’s best to assume that you will be paying upfront.

That process and expectation is usually different when inside the United States. Typically, in the U.S, you should provide your insurance ID card to your doctor, who will then call your insurance company to verify your benefits and bill the insurance company directly. It is important to note that you may be asked to pay co-pays, deductibles, or items that are not covered at the time of services.

Something to note is a Guarantee of Payment (GOP). A GOP is an option for services provided overseas with international providers. It is requested by the provider to the insurance company. Usually, a GOP is arranged when charges will be high. It is also good to know that it is solely up to your provider to accept a GOP. If you have further questions regarding when a GOP is used, feel free to reach out to us at the contact details below.

Filing a Claim

Filing an insurance claim is necessary if you have paid for services up front that you believe are covered under your policy. Knowing where to go and what is required ensures that the claim will be processed without delays.

Once you are enrolled for coverage, make sure you set up your online account and upload the mobile app if available. That way, when/if you have a claim, simply log into your account, and access the claims section. The process of uploading the claims is usually very straightforward. If you have questions about filing your claim, as your insurance broker, MHG is always here to assist.

Be sure to have an electronic copy of your documents before you get started. This helps streamline the filing process. Include all invoices, itemized bills, and receipts showing proof of payment so that the claims examiner has everything required to process your claim. Once you have filed your claim, it will go directly to your insurance company. You will also be able to view its progress in your personal account. If something is missing, or the claims examiner needs additional clarification, it will be listed in your online personal account.

When Problems Arise

Sometimes, you can take all the right steps, be proactive, and yet there can be an issue. If your claim is not processed and you do not know why, or it is denied and you have a question as to why that happened, it is best to call the insurance company’s service department. That number will always be listed on your ID card. Their customer service department has direct access to the claims system for the insurance company and will be able to see exactly what is needed to finalize the claim. At any point, as your broker, MHG is always here to assist and guide you through any issues or hurdles you may face.

MHG Insurance offers different insurance solutions for many areas of business. Our experience and role in the cruise industry is something that we hold in high regard. Our plans for officers and crew are tailor made to fit the maritime industry. If you have any questions regarding your existing employer group plan, or are interested in purchasing individual coverage, contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget.

Years ago, working on a cruise ship was just for kicks with many of us heading to the high seas to enjoy the experience for a few months or maybe a year at most. Now, crew members choose life at sea as a career choice with goals and aspirations of 5–10-15 years onboard. With this shift in “career” focus, its important for cruise lines and concessionaires to strategically recruit those goal-oriented crew members and work to obtain and maintain their loyalty. The industry is more competitive than ever, so providing an advantageous employment package is essential.

Where Do I Start?

How do you obtain loyalty from your crew, ensuring they wish to return year after year? A good salary is a great start but there are additional ways to retain the right crew that will not only benefit them but you as the employer.

Over the last two-plus years, we have all been faced with the challenges of staying healthy, not only physically but mentally. And I imagine many of you have checked your health insurance policy for the first time to understand your benefit and limitations. Well, you are not alone, your crew are doing the same thing. They want to make sure they maintain good health enabling them to work at sea, provide for their family and also be healthy after completing their contract so they can enjoy their time off. A key part of maintaining good health means getting the care and treatment you need when you need it.

Health is Wealth

Providing more than just the basic medical coverage for your crew can be cost-effective and ensure your crew return after their holiday in their healthiest state. Ensuring your crew are healthy is not only important but also vital to your business. If you do not currently provide any additional medical coverage besides the legal requirements, you may wish to consider a vacation medical policy. This is medical coverage for your international crew once they sign off the ship from a completed contract until they return for their next contract. This kind of coverage allows the crew member to visit doctors while signed off and take care of any medical needs or treatment necessary and ensure they are physically ready to return for their next assignment onboard. Policies can also include the employee’s dependents which would be 24/7 in their home country.

If you want to go a step further, consider primary medical insurance for your crew or senior officers. This kind of coverage is primary to your required P&I insurance. While a little greater in costs, these plans provide excellent medical coverage 24/7 with global networks worldwide.

MHG has been providing insurance solutions for the maritime industry for over 30 years. We pride ourselves in offering superior service for your business needs. For questions or assistance, please contact us at mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 and ask for the cruise division.

Understanding insurance and all the details that go with a policy can be difficult to say the least. Even more so for cruise line crew members, or anyone who requires international coverage. With so many “moving parts”, if you have never used your coverage, or learned how to maximize your coverage, it can be quite a daunting task figuring out where to even start. Which is where we come in! We have provided below information to help you better understand your coverage.

Getting Started

When you first enroll in your new insurance policy, take the time to set up a personal online account. Part of setting that up includes getting your ID cards, downloading any corresponding apps, and obtaining any policy documents. It’s also important to save these documents or know where to find them in your personal online account.

When it comes to reviewing your policy, we recommend looking at the digital copy online so you can find specific terms and sections using the search function (Ctrl+F). Also, be sure to review the Summary of Benefits, which is an overview of your coverage. It is always best to read through the entire policy document for additional conditions and requirements or exclusions. For example, Physical Therapy might be listed in your summary with limits or conditions. If you review the policy further, it may state that you are required to obtain a physician’s prescription.

Finding a Provider

When trying to find a doctor or a provider, there are some things you need to know. When outside of the United States, you are not required to see a particular provider. Most insurance companies will offer a section in their website that allows you to search for providers in different countries. However, when inside the United States, it is recommended that you see a provider within the Preferred Provider Organization Network (PPO) when possible.

A PPO provider is a group of doctors that have agreed to provide care under your plan at a certain rate. Staying within the PPO usually offers the best coverage and overall discounts. When accessing your personal account online, you can search for PPO providers in your area. If you have a doctor already, but they are not in the PPO, you are still able to stay with this doctor, but the amount you must pay may be different for some services. In your policy Summary of Benefits, you can see what the coverage is for services outside of the PPO network.

Do I Need to Pre-Certify?

First things first, what does pre-certify even mean? Pre-certification is the process used to determine whether the services delivered or scheduled to be delivered to a patient are medically necessary and appropriate. It also allows your insurance company to assist in managing your health care costs. It is required when something is “major”, such as surgery or being admitted in the hospital as an inpatient. A detailed list of all the items that require pre-certification will be in your policy. If you are not sure if your procedure requires pre-certification, you should contact your insurer directly.

There is no need to pre-certify when going through routine doctor’s appointments, check-ups, or other minor office visits. But we recommend that you always check pre-certification requirements before any procedure or treatment. Some policies reduce the percentage of coverage if you have not pre-certified your services. It can be up to 50% of a reduction in coverage, so it is important to ensure anything major be pre-certified.

These are just a few basics in understanding your insurance coverage. MHG Insurance has been helping seafaring crew throughout the world for over 30 years. We believe ensuring that crew get the insurance support they need in a timely manner is not only essential but a fundamental service as your broker.

In our next blog, we will cover Insurance Claims - When to File and Key Points to consider. For questions or assistance, please contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Until then, happy and healthy sailing!

The weather is nice, the kids are home for summer, are you ready for a vacation? It is safe to say that many of us would have the same answer to that question. YES! Even though most cruise line crew members have been home, as cruising has been at a standstill, we know how hard this year has been for everyone mentally and physically. Rest and relaxation are crucial, with a tumultuous year seemingly more and more in our rear view, and summer front and center, it may be time to start planning a getaway. While we are not out of the woods completely in terms of the pandemic, there is no denying that the world is itching to get “back to normal”. However, there are some important steps you need to consider when you decide it is time to get away.

As we have all witnessed, having proper medical coverage is more important now, than ever before. There are still some unknowns regarding travel, and who knows about potential hotspots. Having necessary preparations in place can make the difference between a stressful or stress-free time away. No one wants their summer vacation ruined, especially with it being the first one in a while. Which is why we decided to put together a checklist for you and your family to make sure you are “insurance ready” for your next holiday or vacation!

Plan Ahead

Plan now so you do not have to worry about it later. We realize the last thing you want to think about when planning a fun and exciting trip is insurance but being “insurance prepared” can help ensure a stress-free enjoyable time. When planning, ask yourself these questions:

• If you get sick or injured, are you covered in the country you are traveling to by an existing insurance policy?
• Are you required to have proof of medical coverage in the country you are traveling?
• If you do have proper insurance, does it have ample coverage to protect you and your family in case of an emergency?

In addition to insurance related preparations, there are some medical housekeeping preparations you should consider as well:

• Do you have enough of your medication for the time you will be away?
• If you lost or forgot your medication, do you have a list of the meds you take and can you obtain them in the country you are visiting?
• Do you know who to contact in the event of an emergency?

Things to Consider

When thinking about medical coverage, there are some things you should consider, depending on what your trip has in store. For example, does the medical plan include the following:

· Will there be coverage for the unexpected illness or injury that occurs while you are traveling to your destination?

· Is there evacuation cover in case of serious injury?

· Does your policy have restrictions on activities considered to be “Extreme” sports?

· Does your plan have a mobile app, and have you uploaded it to your phone?

· Is telemedicine covered? (i.e., telehealth or Dr. on demand)

Obviously, there is no way to totally plan for the unexpected, however that is why you plan ahead. As different policies offer different benefits, you may wish to check your policy wording for any specific exclusions. It is recommended that you always travel with your ID card, a list of emergency contacts, and have access to your insurance policy. Be sure to stay tuned to our website for future blogs and articles explaining what to do in case you need to use the coverage, and how to properly navigate your way through the claims process.

MHG Insurance offers different insurance solutions for many areas of business. Our experience and role in the cruise industry is something that we hold in high regard. Our vacation medical plans for officers and crew are tailor made to fit your specific lifestyle. If you have any questions regarding your existing plan, contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget.