ISN/ASM SEAFARERS FAMILY HOSPITALIZATION BENEFITS

As part of the company commitment to provide more benefits to the family of our crew, the ISN/ASM Hospitalization Assistance Plan was established. The Plan is patterned after the standard Hospitalization Insurance available in the Philippines and the full policy and guidelines will be available at the ASM Crew and Family Center, the Center is in-charge of managing the Plan.

1. HOW MUCH IS THE COVERAGE PER COMPLETED CONTRACT AND WHO WILL PAY THE PREMIUM?
Php100, 000.00 Annual Maximum Hospitalization Coverage per family.
The Benefit is given FREE of Charge/premium by the company.
Note: Any unused benefit for the given year is not carried over to the succeeding contract or is not cumulative.

2. WHAT TYPE OF COVERAGE?
Exclusive for IN-PATIENT/CONFINEMENT Benefit.

3. WHO IS COVERED?
 1. Philhealth Qualified Dependents of Crew ONBOARD
 2. Trainees and Cadets are not included

4. WILL I STILL BE COVERED EVEN AFTER MY PHILHEALTH BENEFITS?
You must first secure your Philhealth benefits before you apply for ASM Hospitalization benefits.

5. HOW LONG IS THE COVERAGE?
Your family is covered while you are on board.
On board means from the date of departure until the date of arrival in the Philippines.

6. HOW CAN MY FAMILY AVAIL THE BENEFITS WHEN I?M ONBOARD?
A family member/representative must submit the original hospital bills/receipts for review and evaluation. Upon discharge from the hospital all receipts must be presented to ASM office but not to exceed 30 days. After 30 days grace period, applications will no longer be considered.

7. WHAT IF WE NEED URGENT CASH DURING CONFINEMENT?
Partial reimbursement of expenses on emergency cases subject to approval. If approved, all expenses should be liquidated if not, advances will be deducted from allotment.

8. CAN MY FAMILY SECURE CASH ADVANCE FOR MEDICINE IN CASE OF OUT PATIENT?
No. The Plan is limited only to IN-PATIENT case.

9. CAN WE REIMBURSE ALL ELIGIBLE EXPENSES?
Yes. But not to exceed Php100, 000.00 per family per completed contract. If professional fee are not included in statement of account (SOA) of hospital bill, Doctor?s Official receipts must be dated not later than the date of hospital SOA.

10. WHAT IF WE REALIZED THAT WE HAVE ADDITIONAL RECEIPTS TO FILE FOR CLAIMS?
All receipts & claims should be filed at the same time. All additional receipts for claims will not be accepted.

11. HOW MANY TIMES CAN THE SAME DEPENDENT CLAIM?
Only once within completed contract.
If the same dependent claims on subsequent contract period only 50% of the total claim will be paid.
If the same dependent will file for claim again for the third time, you can only reimburse 25% of the total claim

12. IS THE COVERAGE ENOUGH FOR MY FAMILY? OR IS IT NECESSARY TO HAVE ADDITIONAL HOSPITALIZATION INSURANCE?
Our aim is to subsidize health care coverage to all seafarers? family. It is your responsibility to provide sufficient health insurance for your family.

13. IF I?M ALREADY COVERED WITH OTHER HOSPITALIZATION INSURANCE CAN I USE THEM BOTH AT THE SAME TIME?
No. We require the original receipts you have the option to select which provider you do prefer to use unless you can still present to us the original receipts.

14. IF MY DEPENDENT IS CONFINED OUTSIDE THE PHILS. CAN WE STILL REIMBURSE THE EXPENSES?
Yes. Provided you submit the original receipts and should inform the office of the confinement.

15. HOW LONG DOES IT TAKE TO PROCESS THE BENEFITS?
If all documents are in order, within 60 days.

16. THIS FAQ DOES NOT COVER ALL POSSIBLE CONCERNS AND POLICIES MAY BE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.

NOTE: YOU ARE PRIMARY RESPONSIBLE TO PROVIDE FOR YOUR FAMILY?S MEDICAL EMERGENCIES THIS BENEFIT IS MEANT TO SUPPLEMENT YOUR RESPONSIBILITY TO PROVIDE ADEQUATE FUNDS OR INSURANCE COVER FOR MEDICAL EMERGENCIES. FURTHERMORE, BECAUSE YOU ARE ON BOARD, YOU ARE
ASSURED THAT THEIR NEEDS ARE BEING ADDRESSED EVEN IN YOUR ABSENCE.