Marine Crew Medical Insurance Individual & Group OptionsMarineSure for Crew
MarineSure is an international medical insurance solution built around the realities of life and work at sea. It offers one line for individual marine professionals and one line for employers insuring groups of crew, making it relevant for yacht owners, captains, crew managers, HR teams, ship operators, cruise businesses, offshore employers and maritime executives.
The real value is not only in hospital cover. It is in how the plans are structured for people who may need treatment ashore, evacuation, companion travel, repatriation support, long-term recovery in home country, and help returning to fitness after time off vessel.
Why MarineSure is useful for maritime employers
- Designed for people living and working at sea
- Separate solutions for individuals and employer groups
- Marine-specific return-to-fitness benefits
- Crew Assistance Programme for confidential wellbeing support
- Global cover structures that can align with vessel itineraries
MarineSure is positioned for marine professionals, seafarers and crew who need international access to care rather than ordinary domestic health insurance.
Why Brokerfish adds value
- Helps employers compare individual vs group suitability
- Assists with crew census collection and benefit communication
- Explains cover regions, deductibles, co-insurance and network rules
- Supports implementation, renewals and live claims questions
- Understands the operational pressures facing captains and crew managers
MarineSure individual plans: Currents and Advantages
For individual marine professionals, MarineSure offers two lines. Currents is the more economical option, while Advantages adds stronger outpatient and lifestyle benefits, a private room, broader evacuation-related benefits, and richer preventive care.
Currents
Practical entry-level international cover for marine professionals who still want global hospital and emergency protection.
- Annual maximum: $1,500,000 / €1,250,000 / £1,000,000
- Semi-private room
- Strong inpatient cover, but many outpatient and wellness items are 90%
- Vision included
- Mental health included
- Crew Assistance Programme included
- Maternity and newborn included but at more modest limits
- Complementary medicine not included as standard
Advantages
Higher-spec individual cover for crew and marine professionals who want richer outpatient, wellness and enhanced travel-related benefits.
- Annual maximum: $2,000,000 / €1,500,000 / £1,250,000
- Private room
- Outpatient and wellness benefits generally at 100%
- Complementary medicine included
- Advanced health screening included
- Best possible outcome programme included
- Higher maternity, newborn and dental option values
- Family emergency travel and broader repatriation-related benefits
| Feature | Currents | Advantages |
|---|---|---|
| Annual maximum | $1.5m / €1.25m / £1m | $2m / €1.5m / £1.25m |
| Accommodation | Semi-private room | Private room |
| Outpatient physician / diagnostics | Generally 90% | Generally 100% |
| Physical / occupational therapy | 90%, 30 visits | 100%, 50 visits |
| Complementary medicine | Not included | Included |
| Wellness (adult) | $500 / €400 / £300 | $750 / €600 / £500 |
| Maternity normal delivery | 90%, $2,000 / €1,500 / £1,300 | 100%, $10,000 / €7,500 / £6,500 |
| Newborn cover | $25,000 / €20,000 / £15,000 | $30,000 / €22,500 / £22,000 |
| Best possible outcome programme | No | Yes |
| Life cover (adult) | $5,000 / €5,000 / £5,000 | $10,000 / €10,000 / £10,000 |
Practical reading: Currents is not a stripped-down hospital-only plan. It still includes strong inpatient, evacuation, mental health and marine-specific support. Advantages is the better fit when the individual wants more complete outpatient access, stronger maternity, richer preventive care and higher-spec travel-related benefits.
MarineSure group plans: Essential, Complete and Premier
For companies insuring groups of crew, MarineSure uses a three-tier structure. This makes it easier for CEOs, ship owners, crew managers and HR teams to align the benefit level with vessel type, retention goals, itinerary complexity and budget.
Essential
Lower-cost group option with broad core medical cover and marine-specific operational support.
- Annual maximum: $1,500,000 / €1,250,000 / £1,000,000
- Semi-private room
- No maternity
- Dental included
- Crew replacement benefit included
- Private room upgrade optional
- Complementary medicine optional
Complete
Balanced mid-tier employer plan with maternity and stronger overall value for many maritime employers.
- Annual maximum: $1,500,000 / €1,250,000 / £1,000,000
- Semi-private room
- Maternity included
- Dental included
- Crew replacement benefit included
- Private room upgrade optional
- Complementary medicine optional
Premier
Top-tier group line with stronger rooming, advanced screening and best-outcome support.
- Annual maximum: $2,000,000 / €1,500,000 / £1,250,000
- Private room included
- Maternity included
- Best possible outcome programme included
- Advanced health screening included
- Complementary medicine included
- AD&D included
| Feature | Essential | Complete | Premier |
|---|---|---|---|
| Annual maximum | $1.5m / €1.25m / £1m | $1.5m / €1.25m / £1m | $2m / €1.5m / £1.25m |
| Room type | Semi-private | Semi-private | Private |
| Maternity | No | Yes | Yes |
| Dental plan | Yes | Yes | Yes |
| Best possible outcome programme | No | No | Yes |
| Advanced health screening | No | No | Yes |
| Private room upgrade | Optional | Optional | Included |
| Complementary medicine | Optional | Optional | Included |
| AD&D | Optional | Optional | Included |
| No wait on maternity | Optional | Optional | Optional |
Why this works well for companies, captains and crew managers
- Clear plan architecture helps explain benefits to crew
- Return-to-fitness features are more relevant than generic corporate plan wording
- Group options can be matched to seniority, budget and itinerary
- Three cover regions help when vessels move in and out of North American exposure
- The app and HR portal support faster administration and claims handling
- Crew wellbeing support helps with the realities of isolation and close-quarter living
Marine-specific benefits that matter in real operations
Return to fitness
MarineSure includes cover to help a crew member rejoin vessel or return to country of residence after medically necessary treatment ashore.
Long-term convalescence
Where recovery takes time, the plans provide home-country cover so the crew member can continue healing away from vessel duty.
Companion travel
If hospitalisation outside home country lasts five days or more, the plans can support travel and accommodation for a companion within stated limits.
Crew Assistance Programme
Confidential wellbeing support is especially relevant to stress, conflict, isolation, culture shock and close-quarter living on board.
Emergency evacuation
All lines include emergency evacuation and assistance, repatriation of mortal remains, and emergency support when treatment needs to move quickly.
Crew replacement
On group plans, reasonable travel costs for a replacement person are included where a primary insured has been disabled or dies while travelling with the vessel.
Three cover regions make planning easier
MarineSure uses a practical geographical structure that is highly relevant for maritime employers and internationally mobile crew.
- Cover 1: Worldwide including the USA and Canada
- Cover 2: Worldwide excluding the USA and Canada
- Cover 3: Mixed cover with up to 6 months in Cover 1 during the policy year, useful where itinerary changes
North America note that decision-makers should understand
Where Cover 1 applies, benefits are tied to the preferred provider network rules while in the USA and Canada, and time in the USA is capped at 180 days in any 12-month period. This is important to explain to crew before enrolment and especially relevant for itineraries involving North American waters.
Brokerfish can help you decide whether Cover 2 is enough, or whether Cover 3 is more efficient than simply defaulting everyone into full worldwide including USA and Canada cover.
App access and HR administration matter
MarineSure’s positioning is not only about benefits on paper. The HCI Group app and the employer-facing HR portal are practical strengths for real-world administration.
- crew can contact support and submit claims more easily
- member ID details simplify access to care
- HR teams can manage joiners and leavers more efficiently
- portfolio and premium visibility helps with administration
- less paperwork can improve response times and reduce friction
Should you look at the individual line or the group line?
Choose the individual line when a captain, owner, independent contractor, yacht professional or other marine individual needs personal cover and wants to compare Currents versus Advantages.
Choose the group line when a business is insuring multiple crew members and wants employer administration, plan tiering, HR support and a structure that is easier to implement across a defined class of employees.
Helpful internal links
FAQs about MarineSure for crew
Who is MarineSure for?
MarineSure is built for marine professionals, including yacht crew, ship crew, seafarers and maritime employers seeking international medical insurance designed around life and work at sea.
What is the difference between the individual and group lines?
The individual line offers Currents and Advantages for personal cover. The group line offers Essential, Complete and Premier for employers insuring multiple crew members under a company structure.
What is the difference between Currents and Advantages?
Currents is the lower-cost individual line with many outpatient and wellness benefits at 90%. Advantages is richer, with higher annual limits, a private room, stronger outpatient and wellness cover, complementary medicine and advanced screening.
What is the difference between Essential, Complete and Premier?
All three group plans include broad core medical cover and marine-specific features. Complete adds maternity compared with Essential, while Premier adds a higher annual maximum, private room, advanced screening, best possible outcome support and stronger included extras.
Does MarineSure include evacuation and repatriation?
Yes. MarineSure includes emergency medical evacuation and assistance, repatriation of mortal remains and other marine-specific support features, including return-to-fitness style benefits.
How do the cover regions work?
MarineSure offers Cover 1 for worldwide including the USA and Canada, Cover 2 for worldwide excluding the USA and Canada, and Cover 3 for mixed use where itinerary requires limited time in the North American region during the policy year.
Why is MarineSure relevant to captains and crew managers?
Because it addresses real maritime operational issues such as treatment ashore, rejoining vessel, long-term recovery at home, companion travel and confidential wellbeing support for life on board.
Need help deciding whether MarineSure is right for your crew?
Brokerfish can help you compare the individual lines against the group structure, assess which cover region fits your itinerary, explain deductibles and co-insurance, and guide your team through onboarding, renewals and claims support.