As yacht owners, management companies, and captains, your crew is the backbone of your operation. They ensure smooth sailing, offer unparalleled service, and embody professionalism in every port of call. But there’s one crucial question: are they properly covered when it comes to health insurance?
Health coverage isn’t just a box to tick; it’s an essential part of your crew’s employment package. Let’s dive into why comprehensive health coverage is a non-negotiable for your crew and how it reflects on you as a responsible employer.
Your Crew’s Home-Away-From-Home
Yacht crew members often spend months, even years, living onboard, far from their home countries. While the ocean offers adventure and excitement, it also comes with unique challenges. What happens if a crew member gets sick or injured? Does their coverage extend beyond the marina gates?
A robust health insurance plan should cater not only to their immediate medical needs but also to their long-term well-being, both onboard and ashore. Providing coverage in their home countries ensures they’re protected no matter where life takes them between contracts.
Emergencies Don’t Wait
Yachts to some of the world’s most remote and idyllic locations, often far from state-of-the-art medical facilities. A minor injury or illness can quickly escalate into a serious situation if timely care isn’t available. That’s where emergency coverage comes in.
Comprehensive health insurance ensures that your crew has access to emergency evacuation services, bridging the gap between remote islands and top-tier medical facilities. Cutting corners with basic coverage could leave your crew vulnerable, both physically and financially, in critical moments.
More Than “Just Enough”
It’s tempting to opt for a basic health plan to check a compliance box, but your crew deserves better. After all, they dedicate their lives to ensuring the yacht runs smoothly and the guests are happy. Offering subpar coverage sends the wrong message: that their well-being isn’t a priority.
Instead, provide a plan that covers more than the bare minimum. Look for policies that address:
- Routine medical checkups
- Comprehensive in-patient and out-patient care
- Mental health support
- Emergency evacuation and repatriation
- Coverage across multiple countries, including their home nation
Attracting and Retaining Top Talent
In a competitive industry like yachting, the best crew members are in high demand. Offering a robust health insurance package isn’t just an ethical choice—it’s a strategic one.
When your crew knows they’re valued and cared for, they’re more likely to stay loyal to your yacht. Proper coverage demonstrates your commitment to their well-being, helping you build a motivated, reliable team. It’s an investment that pays off in smoother operations and happier crew members.
Avoid the “What If” Scenarios
Imagine this: a crew member suffers a medical emergency in a remote region. Their basic insurance doesn’t cover the costs, leaving them—and you—facing hefty bills. Situations like these are avoidable with proper planning.
Comprehensive health insurance mitigates financial risks for both crew and employer, ensuring everyone can focus on the journey ahead instead of worrying about “what if” scenarios.
Setting the Standard
As an owner, management company, or captain, you set the tone for how your yacht operates. Providing proper health coverage shows you’re not just meeting minimum requirements—you’re going above and beyond to create a supportive environment for your crew. It’s a standard of care that reflects the professionalism and values of your operation.
Peace of Mind at Sea
Health insurance is more than a policy—it’s peace of mind. For your crew, it’s the reassurance that they’re protected, no matter where their adventures take them. For you, it’s knowing that you’ve fulfilled your responsibility as an employer and provided your team with the tools they need to thrive.
Investing in comprehensive health coverage isn’t just about meeting obligations; it’s about fostering trust, loyalty, and excellence within your crew. By prioritizing their well-being, you’re ensuring smoother seas for everyone involved.
Want to learn more about crafting the perfect health insurance plan for your yacht crew? Let’s talk! At Clarity, we specialise in tailored solutions that keep your crew—and your operation—in shipshape condition.
Clarity Employee Benefits is an authorised Financial Services Provider (FSP No. 51007). We’re ready to provide you with expert yachtie health insurance guidance and advice.
