If you work offshore or at merchant fleet. You face risk every single day. But when something goes wrong – will your insurance actually cover you?
Before you buy any policy, read this first: 5 Key Questions Every Seafarer Should Ask:
1. Does it cover offshore injuries?
Many local or travel insurances don’t cover marine work.
If it says “excludes hazardous professions” – you’re not protected.
2. Is it valid internationally and offshore?
Your next contract might take you to West Africa or the Middle East.
Make sure your coverage isn’t region-locked.
3. Do you understand the exclusions?
Read the fine print:
• Are heart conditions excluded?
• Do they cover COVID quarantine or evacuation?
• Is repatriation included?
4. What happens in case of disability?
Permanent disability = career-ending for a seafarer.
Does the policy include long-term payouts or retraining support?
5. Does your family get anything if… the worst happens?
Always clarify your death benefit clause. Don’t assume confirm in writing.
Question for You:
Have you ever been misled by an insurance policy?
Or used one that actually helped you onboard?
Share your story or ask your insurance questions on the comment section below.
