ST. MAARTEN VISITORS

PROTECTION PLAN

Advanced protection in case you test positive 
for COVID-19 during your stay in St. Maarten.
Click Here to Buy

WHAT DOES IT COVER?


HOSPITAL COSTS

Hospitalization expenses to treat severe COVID-19 symptoms, including specialist fees, diagnostic x-rays, lab expenses and nursing costs.

INTENSIVE CARE UNIT COSTS

Intensive Care Unit charges for treatment of a critical ailment caused by COVID-19.

TRANSPORTATION

Costs of specialized transportation of a Covid-19 infected person up to an aggregate sublimit of $350.

DOCTOR CONSULTS

Costs of doctor consults up to an aggregate sublimit of $500.

ISOLATION EXPENSES

Maximum sublimit of $125 per day, max. 5 days, in case of a positive Covid-19 test result. Preventive government mandated quarantines for fellow travelers and those who tested negative are NOT COVERED.

COVID-19 TEST

Max. 4 medically necessary Covid-19 tests as out-patient with a sublimit of $75 per test. Tests are only covered with referral from the St. Maarten Government Health Department. Mandatory tests required by other countries prior to leaving St. Maarten are not covered.

MAXIMUM LIMIT

The overall maximum limit for all benefits together, except Medical Evacuation, is $50,000.

MEDICAL EVACUATION

Emergency medical evacuation to the nearest qualified hospital to prevent loss of life, up to a maximum limit of $20,000, provided the patient cannot be treated locally in St. Maarten.

IS THE  PROTECTION PLAN REQUIRED?

The insurance is optional but all visitors are strongly encouraged to get it.

WHY IS IT NECESSARY?

Because of the COVID-19 pandemic, the island of St. Maarten must ensure that all visitors are properly protected. Subject to some sublimits and overall limit of US$50,000, a visitor who tests positive for COVID-19 in St. Maarten, will have very few, if any, out-of-pocket expenses. The local providers are paid directly by the locally licensed insurers, giving you a peace of mind if you test positive for COVID-19 in St. Maarten. In case you cannot be assisted in St. Maarten, the insurance covers Medical Evacuation costs as described above.

HOW MUCH DOES IT COST?

Ages 15 - 65

Effective 15 October 2022, a flat premium of $15 is charged. 

The premium is non-refundable, unless you've made a duplicate purchase or if you cancelled your trip to St. Maarten. 

Ages 0 -14

Effective 15 October 2022, a flat premium of $12 is charged. 

The premium is non-refundable, unless you've made a duplicate purchase or if you cancelled your trip to St. Maarten. 

Ages 66+

Effective 9 July 2022, a flat premium of $25 is charged

The premium is non-refundable, unless you've made a duplicate purchase or if you cancelled your 
trip to St. Maarten. 

COMMON QUESTIONS

  • Where and when can I purchase the insurance?

    As of 15 October 2022, the insurance can be purchased on this website only. Simply click on the "Click Here to Buy" button on the home page. 

  • I already have an insurance. Why is it still recommended?

    COVID-19 cases still exist in St. Maarten. Many foreign insurers don't cover isolation costs if you test positive and tend to restrict COVID-19 coverage if and when the CDC or your country's Public Health Department issues a high (negative) travel warning. 

  • How do I pay for the insurance?

    You can pay for the insurance using a credit card or a debit card with the Visa or MasterCard logo on it. Residents of the Netherlands can use iDEAL to pay for the insurance. 

  • What will appear on my Statement?

    After you've made the purchase you will see a payment made to Koral Systems under the title KS* STMAARTEN-INSURE01 (Previously KORALINSURE* SXM-00001). The last digits indicate the transaction number. 

  • What is the maximum period of insurance?

    The maximum possible period of insurance allowed under this plan is 90 successive days. However, every time you leave the island, you are required to purchase a new policy to re-enter St. Maarten. 

  • Where can I seek help?

    If you’re already in St. Maarten and you have a fever, dry cough, shortness of breath, loss of smell or taste, or a combination of any of the known COVID-19 symptoms, please inform guest relations at your hotel so they can call the COVID-19 Call Center. If you’re not staying at a hotel, please proceed to call the COVID-19 Call Center at 914. 

  • How do I file a claim?

     In some cases the service provider will bill insurers directly. However, if a service provider asks you to pay a bill or advance a payment or have any questions simply contact the claims department at claims@sxmprotectionplan.com. 

  • How do I receive my policy?

    You can complete the  online insurance application and instantly receive an email with your policy documents attached. 

  • Does the St. Maarten Visitors Protection Plan cover other ailments?

    The first version of the St. Maarten Visitors Protection Plan only covers COVID-19 related expenses.

  • When does the St. Maarten Visitors Protection Plan start and end?

    The coverage provided under this insurance starts the moment you disembark in St. Maarten and expires the moment you embark a plane to leave St. Maarten. There is not coverage if you overstay the maximum duration of stay allowed. The maximum period of coverage is 90 successive days. 

  • Who covers the insurance?

    The insurance is covered by a syndicate of locally licensed insurers, Guardian Group Fatum, CG United Insurance ltd., Ennia Caribe  N.V. and reinsured by A++ AM Best Rated Reinsurers. 

HAVE QUESTIONS?

For Insurance Related Questions, please send an email to:




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