REMINDER MLC 2006 CREW INSURANCE
The MLC 2006 that came into force in 2011 has edited the rules of mandatory basic social protection for commercial vessels.
See Section IV
9 branches have been edited to reach a regime of basic social security for all sailors, including 3 mandatory ones which can be covered by a system of private insurance:
– Sickness and accident benefits
– Compensation in the case of death or permanent, partial or total disability due to an accident
– Daily allowances in the event of accident or illness
None of these points should make a difference between private and professional life.
The coverage of the sailor must be nominative and cover him 24/7 for the entire duration of his employment contract.
DEATH AND PERMANENT DISABILITY INSURANCE
What is L.O.L and P.T.D insurance ?
In the event of an incident causing death (Loss Of Life) of the insured party or a Partial or Total Permanent disability (PTD), a sum called Capital is paid to the insured party or his beneficiaries.
IS THERE A MINIMUM OF TOTAL DISABILITY?
NO. The insurance compensates without minimum incapacity.
WHAT IS THE DIFFERENCE BETWEEN AN INCIDENT DUE TO AN ACCIDENT OR ILLNESS?
Accident is a sudden event during the duration of the contract. The cause or one of the causes of which, is beyond the control of the INSURED PERSON and causes physical injury to the INSURED PERSON.
ILLNESS Is a damage to the health of the INSURED PERSON, that was not caused by an ACCIDENT, and which shows objective and undeniable symptoms established by a MEDICAL PRACTITIONER.
TEMPORARY TOTAL DISABILITY (TTD)?
When an incident (accident or illness) occurs during one’s contract of work causing a temporary stoppage and a loss of income, insurance supports the salary of the sailor.
CAN I SUBSCRIBE INDIVIDUALLY TO TTD?
No. Daily allowances are linked to a labour contract. The compensation is paid to the shipowner
HOW DOES THE INSURANCE WORK?
The insurance works like social security + health insurance.
You are covered in your daily life both at home and at work.
IS THERE A WAITING PERIOD?
NO. You are covered from the first day of the insurance!
AM I COVERED IN MY COUNTRY OF RESIDENCE ?
YES. The insurance is global. This is not simple travel insurance but global social coverage.
For example: You have subscribed your insurance in Euros and you are cared for in Australia. You have the choice of being reimbursed in Euros on your Euros account or in Australian Dollars on your Australian account.
CAN I GO TO ANY DOCTOR OR SPECIALIST ?
YES. If they are accredited by the country where they practice.
If you are not sure, we advise you to go to a hospital.
ARE THE DRUGS REIMBURSED ?
All medications prescribed by the doctor are reimbursed.
IS ALTERNATIVE MEDICINE COVERED ?
YES, with the PERFECT plan. Physiotherapist, Osteopath, Acupuncturist, Chiropractor.
DO I HAVE TO PAY IN ADVANCE ?
YES. in case of ambulatory medicine (doctor, specialist, physiotherapist, optical, ….)
No in case of hospitalization (more than one night in hospital). With your insurance card, the hospital team will contact the insurance company directly to take care of the reimbursements.
WHAT ARE THE BASES FOR REIMBURSEMENT ?
The insurance company bases reimbursements on actual costs.
On a cost of 50, we base the reimbursements on 50. You are reimbursed for this amount at 100% or 80% depending on the formula you have subscribed.
WHAT ARE THE REIMBURSEMENT DELAYS ?
48H to 2 weeks