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Go Back   SailNet Community > Out There > Cruising & Liveaboard Forum > Living Aboard > Health Insurance
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Thread: Health Insurance Reply to Thread
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Topic Review (Newest First)
01-13-2013 09:31 PM
hellosailor
Re: Health Insurance

" You are an American ... and you are entitle for health insurace....."

Raven, you must be in an alternate reality. There's no such "entitlement" in US law in this one. And what is available, at what cost, last year, this year, or next year, may all be radically different as the laws change.

Most of the lower-cost plans that are available are HMO-type plans. If you are not in the physical coverage area around your residence? You're out of network, and that can mean out of coverage including out of emergency hospital care.

Obama passed a law? No, actually, Congress passes laws, the President can only sign them after the fact. And Obamacare ain't quite here yet.
01-13-2013 09:10 PM
Ravenhawk
Re: Health Insurance

Quote:
Originally Posted by EpicAdventure View Post
I don't know if I'll have any luck resurrecting a thread this old, but the question of the OP is still interesting to me.

I'm getting closer to taking a year off from work.

What are good options for health insurance? I'm in good health so am mainly interested in some sort of high deductible plan.
Hi Epic:

Im a new yorker....To date there are new laws that allows an individual to obtain health insurance at a low cost. One that i can think of is "HEALTH PLUS". Besides, base on your income, and if there is none-the Dept of Social Service can help. Your Boat is your abode and can not interfere in any decision made....Try to obtain a post office box for mailing. You are an American and you have worked and paid taxes in the past and you are entitle for health insurace.....Please remember that Pres. Obama passed a law and that is something. many people outcast him, but, this health insurance Law that has been granted is a good thing for all...KEEP YOUR HOPES UP MATE...
GOOD SAILING.....
10-01-2012 05:34 AM
mbjjohnson
Re: Health Insurance

Medical Insurance for Blue water cruiser. We are an Australian couple making preparation for extended cruising to Indonesia from Fremantle Western Australia. We plan to take part in Sail Indonesia 2013 from Darwin to Kupang then sailing thru indonesia , finishing up in Thailand by December 2013.
Any information on taking out Medical/Health Insurance for cruising and any info on yacht Blue Water Insurance needed. Thanks
05-14-2012 10:17 PM
Aces
Re: Health Insurance

I have a health insurance which has great deals. It covers everything and the good thing is it has a policy that I can add my siblings as a beneficiary in my health insurance.
05-14-2012 01:26 AM
aeventyr60
Re: Health Insurance

In the early days we had catastrophic coverage. Now just DAN. General health care costs very low in ASIA, so we go out of pocket for our care, not too much as we are still healthy. Anything serious and we will go back to NZ.
05-10-2012 08:39 PM
Jane.Joy
Re: Health Insurance

I did a bit of research before we started cruising - this is the company we got a quote from:

Worldwide Travel Insurance | Seven Corners

It was about $5000 a year for a late-forties couple, as I recall. Catastrophic, high deductible (5000, I think). The cruisers that we know either have DAN, or they have no health insurance, or they use one of the catastrophic plans like the one I cited above and they pay all medical expenses out-of-pocket. We decided against getting the insurance (big chunk of change!) but we're uneasy with the decision, so probably will revisit at some point. Would be interested to hear what other full-time cruisers have decided.
10-27-2010 10:37 AM
eryka IMIS specializes in insurance for cruisers and liveaboards, they are brokers so they don't have a vested interest in a particular company, and they offer health insurance as long as you are out of the U.S. 181 days/year. They also offer liveaboard coverage that includes your possessions as well as liability; we've used them for 9 years and been very satisfied. IMIS Home Page ~ International Marine Insurance Services
10-23-2010 04:28 PM
hellosailor But DAN says:

http://www.diversalertnetwork.org/insurance/compare.asp

DAN Insurance Programs
Preferred Plan--Master Plan--Standard Plan
Medical Dive Accident Coverage
$250,000 Per Occurrence--$125,000 Lifetime Max.--$45,000 Lifetime Max.

In-water skin- and scuba diving accidents
Decompression Illness Expense Yes Yes Yes
Other Dive Injury Medical Expense Yes Yes No
Snorkeling / Skin Diving Yes Yes Yes
Coinsurance for Dive Accident Medical Coverage 100% 100% 100%
Accidental Death & Dismemberment / Diving $15,000
Principal Sum $15,000
Principal Sum N/A Resulting from a covered diving accident.
Permanent & Total Disability $15,000
Principal Sum $15,000
Principal Sum N/A Resulting from a covered diving accident.
Extra Transportation Up to
$2,000 Up to
$1,000 N/A Resulting from a covered diving accident.
Extra Accommodation Up to
$3,000 Up to
$1,500 N/A Resulting from a covered diving accident.
Lost Diving Equipment Up to
$2,500 Up to
$2,500 N/A Resulting from a covered diving accident.
Planned Maximum Depth Covered No Limit No Limit 130ft/40m
Medical Non-Dive Accident Coverage
Occurring outside home country $10,000
Lifetime Max. N/A N/A For eligible charges for treatment of non-diving accidents outside home country.
$250 deductible
Diving Vacation Cancellation $10,000
Lifetime Max. N/A N/A Coverage for losses for dive trip canceled due to injury or illness before departure.
$250 deductible
Diving Vacation Interruption $5,000
Lifetime Max. N/A N/A Coverage for losses incurred for dive trip interrupted due to injury or illness after departure.
$250 deductible
Cost Per Year $70.00 $35.00 $25.00

From their web site, it appears that the current policy is what their original policy was--next to zilch unless it is a DIVING RELATED accident.
10-23-2010 03:05 PM
zboss
Quote:
Originally Posted by Yorksailor View Post
Repatriation Insurance is cheap, DAN is $150 and is crucial for cruisers with US only insurances like Medicare and Veterans.

Not sure how to link to a thread but here it is

http://www.sailnet.com/forums/cruisi...rance-dan.html
DAN is probably a bad example since it only covers injuries while actually in the act or about in the act (e.g. in gear and jumping off the boat) of scuba or snorkeling.

However - your point it valid!
10-22-2010 04:08 PM
Yorksailor Repatriation Insurance is cheap, DAN is $150 and is crucial for cruisers with US only insurances like Medicare and Veterans.

Not sure how to link to a thread but here it is

http://www.sailnet.com/forums/cruisi...rance-dan.html
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