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Standard Booklet (Updated) New
Standard Booklet (Updated) New
SCHEDULE OF BENEFITS
www.marinebenefits.no
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CONTENTS
NOTE: This document outlines the main features of your Marine Benefits healthcare program and is subsidiary
to the full policy wording as agreed with your Employer. Information in this booklet and welcome package are
based on current agreed terms and conditions.
The latest updated overview of benefits at any time, is always available in the member portal or in the Pocket
Assistant.
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Your employer has provided you with a private medical insurance, and the plan
provides for a comprehensive medical coverage.
Your membership is valid from effective date shown on your membership card,
and you are entitled to take advantage of the benefits immediately from that
date. This medical insurance covers you while you are ashore in your country of
residence. (i.e. the insurance does not cover you when you are working onboard).
It will cover you for treatment up to the limits and according to terms as specified
in the Schedule of Benefits (SoB).
Should your employment with the company cease, your membership in the
program will be terminated.
Kindly read through the full content of this booklet including the Schedule of
Benefits to fully enjoy your medical plan.
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NOTE: All insurance companies are mandated by law to get your active consent. Marine Benefits is compliant with
GDPR requirements in storing and handling your personal data. Before clicking on the REGISTER button, it is highly
important that you have read and fully understood our Data Privacy Policy.
STEP 2 - Open the mobile app and register by using your MBAS ID
number and assign your password. Your username is your
MBAS ID.
STEP 4 - To continue with the registration process, you must read and
agree to the Marine Benefits Data Privacy Policy.
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DEFINITION OF TERMS
The most commonly used phrases and terms used in connection with your
coverage is explained in the following:
CHARGE means the usual and customary fees Incurred for a service or item
provided in the geographical area under similar or comparable circumstances,
as determined solely by Underwriters. Charges for hospital or confinements are
incurred on the date of admission. All others are incurred on the date the service
or item is received.
BENEFITS mean the insurance coverage provided by the Policy and any additional
extensions or restrictions shown on the Schedule or by endorsement.
CLINIC means a licensed medical facility devoted to the diagnosis and care of
outpatients, and which:
• provides, as its chief function, diagnostic and therapeutic services and care
of injured or sick persons.
• has a professional staff of one or more licensed Physicians and surgeons to
provide or supervise its services at all times.
• is operated in accordance with the laws of the jurisdiction in which it is
located, and
• is legally licensed as a medical or surgical hospital in the country in which it
is located.
* a clinic cannot be a health resort, spa or sanatorium.
COVERAGE PERIOD means the period that begins on the effective date and
continues for as long as the premium is paid and accepted by Underwriters or the
expiry date, whichever first occurs.
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DEDUCTIBLE means the amount of charges which must be borne by the insured
person in respect of each claim.
INITIAL VISIT means the first visit by an insured person to a Physician, hospital or
clinic for a general consultation during the period of insurance.
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INSURED PERSON means all Officers and Crew employed by the Assured
wherever situated (Primary Insured Persons) and their Spouses, Dependent
Children (Dependent Insured Persons) and Parents, where applicable and as
shown in the Schedule.
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PER CAUSE means each separate sickness or injury or each separate medical
diagnosis.
PRESCRIPTION DRUGS are medications whose sale and use are legally restricted
to the order of a Physician and which can only be obtained with a Physician’s
written prescription.
SPOUSE means a person who is the primary insured’s legal wife or husband.
Where used, it can also mean cohabiter, being a person who:
• is enrolled by name as a member through the usual approval process by the
employer, and they have been entered on the schedule of insured persons
by the assured and the appropriate premium has been paid, and
• has resided at the domicile of the primary insured person continuously for
the prior 365 days.
• A Primary Insured may have one legal wife covered under the Policy.
USUAL AND CUSTOMARY means the reasonable, usual and customary Charges
in the geographic area in which such charges were incurred. At no time will the
policy pay any amount higher than the usual and customary rates for a specific
geographic area.
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1 GET IN TOUCH
MARINE BENEFITS
2 APPROVES VISIT
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OUTPATIENT AVAILMENT
For consultations or treatment call the number at the back of your
member card for directions.
For new members still without member cards and wanting to avail,
contact Marine Benefits Hotline (or use chat) before going to the hospital
or clinic for instructions and/or endorsement to Partner provider.
Member may initially pay for all outpatient expenses and reimburse to
Marine Benefits via our reimbursement procedure.
INPATIENT AVAILMENT
NON- EMERGENT / ELECTIVE CASES
I. Cashless claim
1. Get Admitting Order from an Accredited Specialist.
2. Call Marine Benefits or Partner Provider at least 48 hours prior to
admission for assistance in securing the entitled room assignment
and other verifications regarding the coverage.
3. Member goes to the Admitting Section in the hospital and
presents his admitting order and identification.
4. Hospital staff secures Letter of Approval (LOA) for the confinement
and will be attached to the other admitting documents.
5. All non-coverable and excess charges must be settled by the
member upon discharge. (Extra food, extra pillow/ blanket, etc.)
II. Member may initially pay for all inpatient expenses and reimburse
later.
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EMERGENCY CASES
Accredited Hospitals
1. Go to Emergency Room (ER) of nearest Accredited Hospital.
2. Kindly declare to the ER Staff that member is under Marine
Benefits and present your member card.
3. Avail of treatment at Emergency Room.
4. ER personnel will facilitate approval of medical services.
Non-accredited Hospitals
1. Go to Emergency Room of nearest hospital.
2. Avail of treatment at the Emergency Room.
3. If confinement is necessary, call the number at the back of your
card or MBAS as soon as possible and within 24-48 hours for
assistance to assess coverage or arrange the transfer to an
accredited hospital.
4. If a payment guarantee has not been arranged, settle all ER
fees and secure all original pertinent documents related to the
availment (i.e. Medical Certificate, official receipts, etc).
5. Forward all original documents and the Claim Reimbursement
Form to Marine Benefits without delay after discharge.
DATA PROTECTION:
“Personal and Medical data acquired and recorded during medical claims availment are handled according to
European and Norwegian Data protection guidelines and will in no way be shared with your employer/employers.”
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Should you have additional enquiries and for more information, you may
also contact our global call centre or use our chat function at
www.marinebenefits.no
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NOTE: Countries not in the list, please call +632 7 753 4442. You will be handled by English speaking
representatives. Note that above is subject to change as we are continuously improving our Network. Updated
contact points at any time are found on our Website and in Pocket Assistant.
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STAYING HEALTHY
When you face illness, Marine Benefits is there to provide support and cover
for needed medical treatment. However, to stay healthy some simple steps can
reduce risk factors that potentially can lead to illness.
Living a healthier life isn’t rocket science, and the equation is rather simple in
theory. It is all about; EAT + MOVE + SLEEP + POSITIVE RELATIONS.
• Eat regularly, • Be physically active • Get 6-8 hrs. of sleep/ • Make it a point to get
three main meals: at least 30 min/day or night. to know your fellow
breakfast, lunch and walk at least 10.000 crew -do you know
dinner. Possibly 1-2 steps /day. • Spend 20 minutes everyone’s name and
snacks if needed. outdoors every day, the names of their
• Do vigorous physical preferably in the family members?
• Eat only one portion activity 3-5 days/ morning. We need
every meal. week. sunlight! • Find a hobby that you
can bring onboard.
• Eat five different • Muscle strength 2-3 • Create a dark, cool
vegetables every day. times/week involving and quiet sleeping • Eat your meals
For weight loss max. 1 major muscle groups. environment. together with your
fruit/day. colleagues.
• Movement pause: • Drink all caffeine
• Eat clean: Avoid For every 20 minutes before 2pm (or • Engage in social
processed and fast sitting, walk 2 earlier). activities onboard:
food such as candy, minutes. BBQ, karaoke nights,
sweets, cakes, • Create a routine for games, dancing etc.
cookies, ice cream, • Find activities you going to bed & avoid
soda, pizza & burgers. enjoy and do them screen time 1hr before • Keep a daily
more often -the more sleeping. gratitude diary –
• Drink water, at least 8 physical activity the write down 3 things/
glasses/day. Unlimited more health benefits. day in your life you
tea and coffee are thankful for.
(without sugar). • Exercise with a friend
and it will be more
• Never eat alone. fun!
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SI M P L E H E A LT H
INDI CATO R S I N NU M B ERS
N A ME
WAIST IN CM WEIGHT IN KG
HEIGHT IN CM HEIGHT IN M
METERS CM
SYSTO LIC B P
D I ASTO LIC B P
PULSE
R E ST I N G
MAX 220 -
YO UR AGE
=
WAIST IN CM
=
WA I ST TO H E I G H T
HE IG HT IN CM R AT I O
(
M A L E • I D E AL B ODY W EIGH T
)
2
METERS . CM
X 23.0 =
YOUR HE I G HT
KI LO G R A M S
( METERS . CM
YOUR HE I G HT )
2
X 21.5 =
KI LO G R A M S
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Marine Benefits
AS, P.O. Box 75 Sentrum
NO-5803 Bergen, Norway
Visiting Address:
Solheimsgaten 5, 5058
Bergen, Norway
SUPPORT &
O P E R AT I O N S
HOTLINE
+ 63 2 7 753 4442
mbasbergen@marinebenefits.no
mbasmanila@marinebenefits.no www.marinebenefits.no