Lifeboat Medical Insurance provides worldwide coverage. As an international traveler, you will no longer have to purchase multiple insurance programs in order to have seamless coverage. Once enrolled, you will be covered worldwide, even in your country of residence.

The Charter Yacht Society of the British Virgin Islands and the Virgin Islands Charter League (VICL), in cooperation with the Marketing Agent - Kuffel, Collimore & Company, and the Administrator - Seven Corners Inc., has designed LIFEBOAT Medical Insurance Plan for CYS members, their employees and their dependents. CYS members include Full Member, Associate Member or Beneficiary Member.

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 ELIGIBILITY | SCHEDULE OF BENEFITS | RENEWABILITY | EMERGENCY EVAC/REPATRIATION | EMERGENCY REUNION BENEFITS | UTILIZATION MGMT PROGRAM | UNDERWRITING | EXCLUSIONS | FORMS AND PUBLICATIONS

ELIGIBILTY

Any member of the Charter Yacht Society (CYS) is eligible to apply. You can join the Charter Yacht Society as a Beneficiary Member for $25 per year. As a CYS member, you, your dependents, and your employees may apply. You must be under age 75 and meet the underwriting requirements listed on the application.

To apply, complete the application, answering all questions, and mail to the Marketing Agent Kuffel, Collimore & Company along with the appropriate premium.

Dependents are the Primary Insured's Spouse and natural or legally adopted unmarried children over 14 days old and under 19 years of age (or under 24 years of age if attending a university full time and relying on parents for support).

Insured persons must reside outside the United States* for at least six months out of any given 12–month policy period. The Plan does not cover permanent residents of the United States or green card holders while in the U.S. for more than six months per 12–month policy period.**

*United States is considered the 50 contiguous states including Alaska and Hawaii. U.S. territories (example: U.S. Virgin Islands) are considered outside the U.S. for purposes of this insurance.

**Alternate insurance plans are available.

Please contact Kuffel, Collimore & Company for further details. 

SCHEDULE OF BENEFITS

Maximum Lifetime Medical Benefit — US$5,000,000
Annual Deductible Options — US$500; $1,000; $2,500; $5,000
Maximum of 3 times the deductible for family coverage.

Coinsurance — After the deductible, the plan pays 80% of the next $5,000 of eligible charges, then 100% up to the Policy Maximum. The maximum out of pocket expenses incurred by an individual after satisfying the deductible is $1000. The maximum out of pocket expenses incurred by a family unit (after satisfying the deductible) is $3000.

• Emergency Medical Evacuation—US$50,000.
• Repatriation—US$20,000.
• Emergency Reunion—US$10,000.
• Local Ambulance Expense—Reasonable and Customary charges for ground transportation.
• Hospital Room and Board Expenses—Average Semi-private room rate.
• Surgery—Usual, reasonable and customary charges for surgery, physician and anesthetics.
• Intensive Care—Average Intensive Care room and board.
• Outpatient Treatment—Usual, reasonable and customary charges for surgery, doctors visits, emergency treatment and prescriptions.
• Skilled Care Facility—Usual, reasonable and customary charges following hospital confinement.
• Hospice—Usual, reasonable and customary charges for nursing, physical therapy, medical supplies, and physician services.
• Spinal Manipulation—50% of usual, reasonable and customary, when referred by a physician, up to $50 per visit, 12 visits per policy period. $5,000 Lifetime Maximum.
• Mental and Nervous—$25,000 Lifetime Maximum, with $10,000 Annual Maximum per Insured Person, up to 45 days inpatient, and 40 visits outpatient at 70%, per policy period.
• Alcohol or Drug Abuse—$10,000 Lifetime Maximum per insured Person, up to 20 days inpatient, 30 days outpatient per policy period.
• Dental (accident only)—$500 Maximum per Policy Period, after a $50 deductible.
• AD&D (Accidental Death & Dismemberment)—$10,000 for insured and spouse,
  $2,000 for each dependent child.
• Amateur and Interscholastic Athletics—$5,000 deductible with a Lifetime maximum of $25,000.

RENEWABILITY

This coverage is issued for 12 months, subject to receipt of premium payment when due. The plan is renewable for subsequent 12 month periods at the then current premium rate for the age of the Insured Persons. This coverage may not be terminated by the Company unless the Company terminates an entire class of Insured Persons.

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EMERGENCY EVAC / REPATRIATION

Emergency Medical Evacuation
US $50,000
The Company shall pay Eligible Benefits incurred up to $50,000 if any covered illness or injury commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation of the Insured Person. The decision for an Emergency Medical Evacuation must be ordered by the Company's appointed Assistance Company in consultation with the Insured Person's local attending Physician.

Repatriation
US $20,000
The Return of Mortal Remains Benefit shall only apply when the Insured Person is travelling outside of their current Home Country. The Company will pay the reasonable Eligible Expenses incurred up to the maximum as stated in the Schedule of Benefits to return the Insured Person's remains to his/her then current Home Country, if he or she dies.

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EMERGENCY REUNION BENEFITS

The Emergency Medical Reunion Benefit shall only apply when the Insured Person is traveling outside of their current Home Country. When the assistance company representative (appointed by the Company), and the attending Physician determine that Emergency Medical Evacuation or Repatriation is necessary and prudent for the Insured Person, the Company will arrange and pay for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person's current Home Country to the location where the Insured Person is hospitalized for return to the current Home Country. In no event shall the Company's maximum liability exceed the maximum stated in the Schedule of Benefits, during any one period of individual coverage.

The benefits payable will include:

• The cost of a round trip economy air fare;
• Reasonable travel and accommodation expenses incurred in relation to the Emergency Medical Reunion up to the maximum stated in the Schedule of Benefits, not to exceed $250 per day.
• The period of Emergency Medical Reunion is not to exceed 10 days, including travel.

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UTILIZATION MGMT PROGRAM

Within the United States - utilizing a Preferred Provider Organization (PPO). In order to assure the best medical care possible, SRI requires that the Insured Person or someone on the Insured Person's behalf call for certificaiton prior to all hospital admissions or any medical expenses above $1,000. The Pre-certification phone numbers will be listed on the Insured's identification card. They will also assist the Insured in locating the approved SRI (U.M.) medical care providers in the United States for care prior to, during, and subsequent to, hospital confinements. If certification is not made for hospital admissions and any medical expenses exceed $1,000 in the United States (or if the SRI U.M. providers are not used), there will be a 50% reduction in eligible benefits.

Worldwide - Outside the United States SRI requires that the Insured Person or someone on the Insured Person's behalf, call for certification prior to all hospital admissions worldwide. The Pre-certification phone numbers will be listed on the Insured's identification card. If certification is not made for hospital admissions worldwide (through the SRI U.M. program), there will be a 50% reduction in eligible benefits.

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UNDERWRITING

Once the completed application is received by Kuffel, Collimore, & Co. and submitted to Seven Corners, Seven Corners underwriters will evaluate the application and determine if coverage is to be issued. If additional medical or personal information is required, Seven Corners will contact Kuffel, Collimore, & Co. to obtain the information. Applicants for The Lifeboat Medical Insurance Plan who are in good health and have no relevant medical conditions will be accepted at the stated premium. If the applicant discloses a pre-existing medical condition on the application, the Seven Corners underwriters will review the application and medical information submitted to determine if the applicant is to be accepted. If the applicant is accepted, the pre-existing condition may either be covered from the effective date as any other illness or the underwriters may attach an "Exclusionary Rider." ("Exclusionary Rider" means the applicant will be accepted but claims for the particular pre-existing medical condition will be excluded from coverage.) Seven Corners underwriters may also accept applicants who have experienced moderate health conditions in the past with an increase to the stated premium. In some circumstances, the Seven Corners underwriters will not be able to offer coverage to applicants. In this case, Seven Corners will forward documentation notifying the applicant that coverage will not be offered.

An additional premium may be charged for tobacco use.

If the applicant does not disclose or misstates the pre-existing condition on the application, and Seven Corners uncovers the pre-existing condition, Seven Corners will reserve the right to either void the entire insurance contract and refund all premium received or refuse to pay that particular claim.

Seven Corners strives to underwrite all applications quickly and efficiently. Information on the application that is not legible will delay underwriting. Requests for additional information and documentation will require more underwriting time.

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EXCLUSIONS

The LIFEBOAT Medical Insurance Plan
DOES NOT COVER:

1. Any injury or illness which meets the following criteria:
   1. A condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under this Certificate.
   2. A condition for which medical advice, diagnosis, care or treatment was recommended or received prior to the Effective Date of coverage under this Certificate.

   However, Pre-existing Conditions that ARE disclosed on the application and accepted by the Company shall be considered covered. Exclusionary Riders may be issued by the Company for certain Pre-Existing Conditions.

2. Pregnancy expenses, including complications of pregnancy;
3. Injury or illness which is not presented to the Company for payment within ninety (90) days immediately following the incident.
4. Charges for treatment which is not Medically Necessary.
5. Charges provided at no cost to the Insured Person.
6. Charges for treatment which exceed Reasonable and Customary charges.
7. Charges incurred for Surgeries or treatments which are investigational, Experimental, or for research purposes.
8. Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician.
9. Suicide or any attempt there at, while sane or self destruction or any attempt there at, while insane;
10. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: a. war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war. b. mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. c. any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence. d. martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the "Occurrences").
11. Injury sustained while participating in professional athletics;
12. Routine physicals, immunizations, or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician; or unless otherwise covered under this Certificate;
13. Treatment of the Temporomandibular Joint.
14. Vocational, Speech, Recreational or Music Therapy.
15. Services or supplies performed or provided by a Relative of the Insured Person, or anyone who lives with the Insured Person.
16. Cosmetic or plastic Surgery, except as the result of a covered Accident. For the purposes of this Insurance, treatment of a deviated nasal septum shall be considered a cosmetic condition.
17. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
18. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by Accidental Bodily Injury incurred while insured hereunder;
19. Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs, other than drugs taken in accordance with treatment prescribed and directed by a Physician for a condition which is covered hereunder. No coverage for treatment of drug addiction.
20. Telephone consultations or failure to keep a scheduled appointment.
21. Treatment while confined primarily to receive Custodial Care, educational or rehabilitative care, or nursing services.
22. Congenital abnormalities and conditions arising out of or resulting therefrom, unless otherwise covered under this Certificate.
23. Expenses which are non-medical in nature.
24. The cost of the Insured Person's unused airline ticket for the transportation back to the Insured Person's Home Country, where an Emergency Medical Evacuation or Repatriation and/or Return of Mortal Remains benefit is provided.
25. Expenses as a result or in connection with intentionally self-inflicted injury or illness;
26. Expenses as a result or in connection with the commission of a felony offense;
27. Injury sustained while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse, motor or motorcycle, scuba diving involving underwater breathing apparatus - unless PADI, DAN (or other) Certification;
28. Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual;
29. Injuries for which benefits are payable under any no-fault automobile insurance policy;
30. Treatment of Venereal disease, sexually tranmitted disease, or expenses for a sex change;
31. Dental care, except as the result of injury to sound, natural teeth caused by Accident;
32. Routine Dental Treatment;
33. Pregnancy expenses incurred by a Dependent Child;
34. Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.

Exclusions Regarding the AD&D benefit are listed in the Certificate of Insurance.

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Lifeboat Rates	PDF	DOC
Lifeboat Application	PDF	DOC
Lifeboat Work Rider Option	PDF	DOC
Lifeboat Claim Form	PDF	DOC
Lifeboat Certificate	PDF	DOC
Lifeboat Modifications	PDF	DOC
Reapplication Declaration	PDF

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