SEAFARERS’ PERSONAL INSURANCE

Protecting Yourself and
Your Family Beyond the Ship

As the wife of a seafarer for over 30 years, we deeply understand the life you lead — the pride of sailing, the sacrifices, the long periods away from loved ones, and the uncertainties that come with the job.

While shipping companies do provide P&I insurance (Protection & Indemnity) when you're at sea and sometimes offer limited medical cover when you're on leave, it is simply not enough in today's world.

Seafaring is a high-risk profession, and families often face multiple challenges?

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Company insurance is not designed to cover all of these risks.

That’s why it’s crucial for seafarers to proactively build their own safety net — to protect their families, parents, and future dreams.

Personal Insurance Plans
Every Seafarer Should Have:

    • Covers you, your spouse, children, and optionally your parents.

    • Protects against hospitalisation costs, surgeries, critical illnesses, and medical emergencies when you're on land or between jobs.

    • Health care costs are rising faster than inflation; independent health insurance ensures uninterrupted coverage.

    • Covers accidental death, permanent disability, or partial disability (which could impact your ability to sail).

    • Provides financial support for recovery or for your family if the unexpected happens.

    • Provides a large sum assured to your family in case of your death during or after your sailing career.

    • Critical because shipping companies' group covers are usually limited and job-dependent.

    • Buying term insurance while young and healthy means much lower premiums.

    • Pays a lump sum amount if diagnosed with a major illness like cancer, heart disease, or stroke.

    • Can be added as a rider to term insurance or bought separately.

    • Separate health insurance for dependent parents is important, as their healthcare costs rise with age.

    • Most employer policies do not cover parents adequately.

  • Some products can cover temporary loss of income in case of unexpected job market changes or illness.

  • Secure your children's future education with dedicated savings or ULIP plans linked to life insurance.

  • Protect your home and valuable assets back home while you are away sailing.

Why It Matters

As a seafarer, you work hard to build a better life for your loved ones. Personal insurance ensures that your efforts are truly protected — no matter what happens.

It fills the gaps left by company coverage, safeguards your family from financial shocks, and gives you peace of mind whether you are on board, on leave, or transitioning between jobs.