WYCC INSURANCE WYCC Insurance provides cover for employees in the yachting industry. The best comprehensive services for groups and individual members with or without social security. WYCC’s benefits are based on shipowners’ liability or wishes. The insurance benefits are compliant with the applicable law (MLC, Flag and CBA), local legislation and employers wishes (SEA). The plans are available worldwide and the employee benefits are ideal for yacht employees, regardless of nationality, fiscal residence, vessel flag and employee location. WYCC’s strength lies within its ability to offer tailor-made insurance policies to protect clients everywhere. For more details Tel: +352 274 454 or visit
www.wycc-insurance.com
It’s a gnarled knot of what nationality are you, where do you live, what do you do?... where do you work?
Laurent PREVIDENTE, Marketing Director at WYCC - Seafarer & Expatriate Benefits - has instruments to help and has agreed to stitch up the flaps of this gaping crew insurance wound.
is unparalleled, we provide insurance for over 100,000 yachts worldwide, we’re experienced in house claims management and the main point, we are Brexit prepared!”
Thomas de Campou reminds us that yachts planning expeditions need to be very focused on their navigation area. He says, “It’s important to be aware of high risks areas. We can cover this navigation area but with additional premium.”
FIRST AID BOX It should be clear as a clean cut, easy as putting on a plaster but health and medical insurance for crew is a gash of gooble de gook that a doctorate in deconstruction is not going to stop you bleeding to death or feverish with frustration.
It’s a gnarled knot of what nationality are you, where do you live, what do you do?... where do you work? And you can’t automatically expect health and medical cover to rise up and slap you on the back the minute you jump on board a boat. Unfortunately.
First of all know this: There are two types of medical insurance. There’s the Individual Plan: the main advantage of this is that the plan will follow the crew member whatever the situation (with or without job) whatever the location. Then there’s the Group Plan: the main advantage of this is that the plan is fully paid by the employer, with additional benefits such as death and permanent disability, sickness, pension.
Says Previdente, “With our WYCC plans, we try to translate the insurance ‘jargon’ with a clear schedule of benefits. Our company policy is to cover everything EXCEPT what is written in the exclusions. This is much simpler for the client. The switch between the coverage provided by the yacht and that signed up for individually. If the seafarer chooses a different Insurance provider, they will have a waiting period for a part of the benefits (maternity, dental care) or pre-existing condition not covered.”
The WYCC benefits and rates take into account the country of residence or work location. Explains Previdente, “For example, if you’re covered by WYCC, your benefits are worldwide including USA-Canada because a seafarer needs to be free to go everywhere. Your rate will be based on your main location. The best way to go in the right direction is to ask your insurance advisor. He knows the formulas adapted to your situation.”
76 | WINTER 2021 | ONBOARD
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