Personal accident & illness insurance

Question 1

What does this insurance cover?

Answer 1

This insurance covers loss of limb, ability to work, and life, alongside travel medical insurance.

Question 2

How is the coverage for loss of limb determined?

Answer 2

Coverage for loss of limb typically amounts to anywhere from 2% to 100% depending on the extent of the injury.

Question 3

What is the coverage for permanent loss of ability to work?

Answer 3

Permanent loss of ability to work can stand at 100% up to 500% depending on the premium paid.

Question 4

How long does the insurance cover loss of wages?

Answer 4

The insurance covers loss of wages for up to 52 weeks.

Question 5

Is there an excess period before the insurance coverage kicks in?

Answer 5

Yes, there may be a seven to fourteen-day excess before the insurance coverage begins.

Question 6

How does the excess period affect claims?

Answer 6

If a crew member is off sick for three weeks, perhaps only one week is claimable due to the excess.

Question 7

What is the statutory coverage based on the flag of the vessel?

Answer 7

The statutory coverage will be 16 weeks, although this policy can go up to 52 weeks.

Question 8

What is the Purser’s responsibility regarding claims?

Answer 8

As Purser, you will be expected to complete the claim forms for reimbursement back to the company.