Crew Medical
International medical insurance for yacht crew, with dedicated solutions for individual crew members and vessel groups.
Yacht Crew Medical Insurance for Individuals and Vessel Groups
HAML helps captains, yacht managers and individual crew explore international crew medical insurance. Compare vessel group medical arrangements with individual plans that may continue between contracts, subject to eligibility and policy terms.
Vessel Group Medical
A group yacht crew medical policy can start with just two crew members. HAML helps vessels and management companies explore eligible plans that account for changing crew rosters, cruising grounds and countries of residence.
Plans may include major medical, evacuation and repatriation, and, where available, personal accident, disability and life benefits.
Request Group Quote ↗
Your Own Medical Cover
Individual yacht crew medical insurance may provide continuity of cover while working freelance, between yacht contracts or spending time ashore, depending on the plan.
We consider nationality, country of residence, intended cruising areas, USA exposure and the time you spend on and off vessels.
Request Individual Quote ↗What To Consider When Choosing Crew Cover
Medical & Wellness
Check inpatient and outpatient benefits, routine care and provider networks, including access in your country of residence.
Evacuation & Repatriation
Understand the difference between emergency medical evacuation and returning home, including limits for remote cruising areas.
Additional Crew Benefits
Review AD&D, permanent or temporary disability and life benefits where offered, rather than assuming they are included in every medical plan.
Crew Medical Questions
Can an individual carry their own medical plan?
Yes, depending on eligibility. Individual plans can help maintain continuity between contracts and vessels.
Are group policies only for very large yachts?
Not necessarily. Eligibility, benefits and pricing depend on the insurer, group size and vessel operation.
Does P&I replace primary medical cover?
Not automatically. P&I and dedicated crew medical may respond differently. Review how the arrangements work together.
Will the cover work in the United States?
It depends on the plan, nationality, residence and the option selected for US benefits.
Common Yacht Crew Medical Questions
What is the difference between individual and group yacht crew medical insurance?
Individual cover can stay with you between yacht jobs, depending on the policy. Group cover is designed for a vessel’s crew or a yacht management company and can make it easier to manage changes to the crew roster.
How many crew members are needed for a group medical policy?
Two or more crew members can start a group yacht crew medical policy, subject to the insurer’s eligibility requirements and plan terms.
Does crew medical insurance cover treatment at home?
Some plans provide medical cover in a crew member’s home country or country of residence. Coverage areas, limits and exclusions depend on the policy, so we check these details with you when reviewing the options.
What is the difference between medical evacuation and repatriation?
Medical evacuation generally concerns transportation to appropriate treatment. Repatriation concerns an eligible return home or another specified destination. Limits and triggers depend on policy wording.