Will you be fully insured when you are on board the ship? What steps need to be taken?
You will have full medical coverage while on board and on land (while the ship is in port) if you successfully complete a thorough physical examination prior to departure. A ship's Pre-Physical Examination Form will be sent to you. This form contains a section that you can fill in yourself (relating to your health history), as well as sections that must be filled in by your doctor (physical examination and test results). The physical can be done in your doctor's office. A chest X-ray (tuberculosis), a urinalysis (drugs, alcohol and diabetes) and a blood test (sexually transmitted diseases) are required. Depending on the cruise line, you may be asked to have the medical examination done at one of their affiliated Clinics. You will be notified if any vaccinations will be needed. Cruise ship employees are discouraged from participating in dangerous activities such as bungee jumping, sky diving, rental of risky mopeds, etc., as these activities may affect insurance coverage. It is up to you whether or not to invest in life insurance; keep in mind that the cruise line offers no compensation for fatal injuries.
Group Insurance: If you are a U.S. resident paying U.S. taxes or if you have the grade of an officer you may be asked to participate in a "Shipboard Medical Plan" which will provide coverage for the period of time spent ashore after disembarkation upon the completion of a contract.