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EMPLOYEE HEALTHCARE PROGRAM

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SCHEDULE OF BENEFITS

Copyright © 2020 by Marine Benefits AS.

All rights reserved. No part of this publication

may be reproduced or transmitted in any form
by any means, including photocopying and
recording, or by any information storage and
retrieval system.

Marine Benefits AS,

PO Box 75 Sentrum,
NO-5803 Bergen, Norway

www.marinebenefits.no

Printed in the Republic of the Philippines

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CONTENTS

WELCOME TO MARINE BENEFITS 4

HOW TO MAKE A MEMBER PROFILE 5
WHAT IS COVERED UNDER THE PLAN? 6
DEFINITION OF TERMS 7
HOW TO MAKE A CLAIM 11
INPATIENT AVAILMENT PROCESS 12
EMERGENCY CASES 14
COUNTRY CONTACT DETAILS 14
FREQUENTLY ASKED QUESTIONS 17
THE EQUATION FOR A HEALTHIER LIFE 18
LIVING ANOTHER 10 YEARS 19

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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WELCOME TO MARINE BENEFITS

Congratulations!

Your employer has provided you with a private medical insurance, and the plan
provides for a comprehensive medical coverage.

All information on the program as described herein, is also available in your

profile on the Member Portal or in our Pocket Assistant. Any updates to the plan
are always available in your online profile. We recommend that you proceed to
activate your user profile to have information at hand when you need it.

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.

In case medical treatment should be needed, please proceed to contact us as

described on page 11 onwards. Note that you will be required to confirm that you
are an eligible member under the plan by presenting your valid national ID card
and your membership card, when visiting the medical provider. If any special
conditions apply to your country these can be found on the Marine Benefits
website [www.marinebenefits.no].

Kindly read through the full content of this booklet including the Schedule of
Benefits to fully enjoy your medical plan.

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HOW TO MAKE A MEMBER PROFILE

WEB PORTAL REGISTRATION GUIDE
You need to have your Marine Benefits ID (MBAS ID) ready to start your
registration. This is available on your membership card, or you may
have received electronically.

STEP 1 - Go to www.marinebenefits.no and click on REGISTER.

STEP 2 - Fill-in all required and correct information.

STEP3 - To continue with the registration process, member must read

and agree to the Marine Benefits Data Privacy Policy.

STEP 4 - When registration & authentication is done, member may now

log-in with their credentials and proceed to the member
portal.

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.

MOBILE REGISTRATION GUIDE

STEP 1 - Download the MARINE BENEFITS app available on the App
Store and on Google Play.

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 3 - When registration & authentication is done, you may now

log-in with their credentials and proceed to the mobile app
dashboard.

STEP 4 - To continue with the registration process, you must read and
agree to the Marine Benefits Data Privacy Policy.

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WHAT IS COVERED UNDER THE PLAN?

The medical plan covers medically necessary services and supplies, in case
of Sickness or Injury. The specific limits and terms for your membership are
stated in the Schedule of Benefits (SoB) attached. If included in the SoB, covered
expenses include:

ROOM ACCOMMODATION, semi-private hospital room and board charges, not

exceeding the usual or customary charge for such accommodation.

SURGICAL PROCEDURES wherever they may be performed (inpatient/

outpatient), including any required second opinion.

CONSULTATION OR TREATMENT by a physician for sickness or injury.

MEDICALLY NECESSARY NURSING CARE for up to 6 months by a licensed

resident or daily nurse employed by an approved medical services provider
and who is not an immediate family member.

ANESTHESIA as part of a surgical, obstetric, or other medically necessary

procedure.

RADIATION THERAPY for benign or malignant conditions, including charges for

X-rays, radium and radioactive isotopes, and nuclear medicine procedures.

INPATIENT HOSPITAL TREATMENT for sickness or injury.

PRESCRIPTION DRUGS, DRESSINGS, OR USE OF SURGICAL OR MEDICAL

APPLIANCES that are medically necessary and prescribed by a physician while
the insured person is an inpatient of an approved facility only.

SERVICES AND SUPPLIES PROVIDED IN CONNECTION WITH A COVERED

TRANSPLANT PROCEDURE

EMERGENCY TRANSPORTATION by local road ambulance to the nearest

available hospital.

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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:

APPROVED FACILITY means a medical service provider (Hospital, Clinic,

Institution, Physician or Specialist) that has been approved and contracted by the
Underwriters or their designated representatives, or has been approved by the
Underwriters or their designated representatives prior to admission or treatment
of the insured person.

APPROVED NETWORK means a member of a network of healthcare providers or

approved facilities such as hospitals and physicians contracted to Underwriters
through the Assistance Company.

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.

COUNTRY OF RESIDENCE means the country in which the insured person

normally resides as set forth on the schedule provided by the Assured.

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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COVERED TRANSPLANT means a transplant involving the heart, heart/ lung,

kidney, kidney/pancreas, liver or allogeneic and autologous bone marrow.

DEDUCTIBLE means the amount of charges which must be borne by the insured
person in respect of each claim.

DEPENDENT CHILDREN means the primary insured person’s unmarried child

residing at the domicile of the primary insured person or eligible spouse.

HOSPITAL means an institution or an approved facility which:

• provides 24-hour continuous service to confined patients,
• 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,
• provides general hospital and major surgical facilities and services either;
» on its own premises, or
» in a facility available to it on a pre-arranged basis.
• provides 24-hour nursing services by or under the supervision of a
registered graduate nurse on a regular and continuous basis,
• 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 hospital cannot be:

• a convalescent or extended care facility unit within or affiliated with the
hospital,
• a nursing, rest or convalescent home, or extended care facility,
• an institution operated mainly for care of the aged.
• a health resort, spa or sanatorium.

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.

INJURY means bodily injury caused by accident which is unforeseen, involuntary,

the direct and sole result of an external and violent trauma, and which has
occurred while this Policy is in force.

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INPATIENT (HOSPITALIZATION) means medically necessary services provided

to an insured person, who is a registered patient in an approved facility, to treat
sickness or Injury and any condition requiring treatment and/or observation
beyond what would normally be expected to be received at an outpatient facility.

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.

LIFE THREATENING CONDITION means a health condition involving a serious,

extreme or life threatening sickness, injury, impairment or condition that without
immediate medical treatment could put the insured person’s life at risk. This
definition is extended to include the immediate medical treatment of severe
injuries following an accident.

MEDICALLY NECESSARY/MEDICAL NECESSITY means services or supplies

provided by a hospital, Physician or other providers which are required to identify
and treat a sickness or injury and which, as determined by Underwriters, are
• consistent with the symptom or diagnosis and treatment of the patient’s
condition, disease, ailment or injury,
• appropriate with regard to local standards of acceptable medical practice,
• not solely for the convenience of the assured/insured person, the Physician,
the hospital, or other providers, and
• the most appropriate supply or level of service which can safely be
provided to the patient.

MENTAL DISORDER means a disease commonly understood to be a mental

disorder whether or not it has a physiological or organic basis and for which
treatment is generally provided by or under the direction of a mental health
professional such a psychiatrist, a psychologist or a psychiatric social worker. A
mental disorder includes but is not limited to:
• Schizophrenia
• Bipolar disorder
• Pervasive Mental development Disorder (Autism)
• Panic disorder
• Major depressive disorder
• Psychotic depression
• Obsessive compulsive disorder

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PER CAUSE means each separate sickness or injury or each separate medical
diagnosis.

PRE-EXISTING MEDICAL CONDITION means any sickness or injury:

• for which the insured person is already receiving medical care or treatment
(including prescription drugs) on the effective date, or
• that has been diagnosed but for which the insured person has not started
to receive treatment on the effective date, or
• that would have induced a rational person to seek medical care or
treatment.

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.

ROUTINE EXAMINATION is a medical examination given by a Physician for a

reason other than to diagnose or treat a suspected or identified injury or disease.
Included as part of the examination are X-rays, laboratory and other tests given
in connection with the examination.

SICKNESS means a bodily disorder, or a disease.

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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HOW TO MAKE A CLAIM

The cashless method is the main way to use the service. This is very simple and
the recommended way to use the medical plan.

1 GET IN TOUCH

+00 123 4567890

COUNTRY CONTACT NUMBERS ARE AVAILABLE ON YOUR MEMBER BOOKLET

AND AT THE BACK OF THE MEMBER CARD

MARINE BENEFITS
2 APPROVES VISIT

MEMBER GOES IN FOR

3 TREATMENT
MARINE BENEFITS
4 RECEIVES/PAYS
THE BILL

SHOW VALID NATIONAL ID AND MEMBER CARD

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HOW TO MAKE A CLAIM

Reimbursement process

MEMBER NOTIFIES
1 MARINE BENEFITS IT IS
LATEST WITHIN 72
HOURS OF MEMBER’S
HOSPITAL VISIT

MEMBER LOGS-IN
2 3 AND SUBMITS
REIMBURSEMENT
CLAIM ONLINE
MEMBER
SETTLES
THE BILL

MEMBER WAITS 15 WORKING DAYS

4 FOR COMPLETION

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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.

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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COUNTRY CONTACT DETAILS

The number for your local contact is printed at the back of your member
card. In case of treatment needed, use this contact number.

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

COUNTRY HOTLINE NUMBER E-MAIL

+244 225000003
ANGOLA mbasmanila@marinebenefits.no
+63 277534442
AUSTRALIA +61 291919712 mbasmanila@marinebenefits.no
operator@ap-companies.
com/  info@ap-companies.com
BANGLADESH +88 01787664488
/  travelhealth@paramount.
healthcare
operator@ap-companies.com/
BELARUS +74 951252 693
info@ap-companies.com

BELGIUM +31 (85) 0090511 mbasmanila@marinebenefits.no

BOSNIA AND  operator@ap-companies.com/ 

+38521770715
HERZEGOVINA info@ap-companies.com
BRAZIL +551331135308 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
BULGARIA +35952919518
info@ap-companies.com
CANADA +16042484828 mbasmanila@marinebenefits.no
CAMEROON +63 277534442 mbasmanila@marinebenefits.no
operator@ap-companies.com/
CHINA +862160314533
info@ap-companies.com
operator@ap-companies.com/ 
CROATIA +38521770716
info@ap-companies.com
CYPRUS +35722030145 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
CZECH REPUBLIC +420 234093802
info@ap-companies.com
DENMARK +45 78772154 mbasmanila@marinebenefits.no
DOMINICAN REPUBLIC +1 8292343416 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
ESTONIA +37 26681352
info@ap-companies.com

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COUNTRY HOTLINE NUMBER E-MAIL

+31 (85) 0090511
FRANCE mbasmanila@marinebenefits.no
(Netherland)
GEORGIA +995 322470286 operator@ap-companies.com/
GERMANY +45 78772154 mbasmanila@marinebenefits.no
+91 224000 4228 travelhealth@paramount.
/40004219 (Paramount) healthcare
INDIA
(022) 30657331 /
nurseline.mumbai@uhcindia.com
66660980  (UHCI)
+(62) 8033218042 /
helpline@aainternational.co.id
+(62) 2129279639
INDONESIA
Specific group: dhina.razak@wiratirta.com /  dhina.
+62 811 8600 11 razak@gmail.com
IRELAND +44 2033937316 mbasmanila@marinebenefits.no
ITALY +39 0699268232 mbasmanila@marinebenefits.no
JAPAN +63 277534442 mbasmanila@marinebenefits.no
JORDAN +63 277534442 mbasmanila@marinebenefits.no
+37 167661079; operator@ap-companies.com/ 
LATVIA
+37 167869798 info@ap-companies.com
operator@ap-companies.com/ 
LITHUANIA +37 052058984
info@ap-companies.com
cpmd_callcentre@compumed.com.
+60 1800818694
my
MALAYSIA
Specific Group:
Mediclinic@asia-assistance.com
+603 2089 3818;
MAURITIUS +63 277534442 mbasmanila@marinebenefits.no
MEXICO +52 5541708028 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
MONTENEGRO +38 521770715
info@ap-companies.com
+95 1558276; haung07@gmail.com
+95 95115903 (HLA) sanda.eagle@gmail.com
MYANMAR
operator@ap-companies.com/ 
+95 9778879395 (AP)
info@ap-companies.com
NETHERLANDS +31 850090511 mbasmanila@marinebenefits.no
NEW ZEALAND +64 92824893 mbasmanila@marinebenefits.no
NIGERIA +63 277534442 mbasmanila@marinebenefits.no
NORWAY +47 21930549 mbasmanila@marinebenefits.no
PAKISTAN +92 2138799847 mbasmanila@marinebenefits.no

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COUNTRY HOTLINE NUMBER E-MAIL

PERU +51 16419129 mbasmanila@marinebenefits.no
PHILIPPINES +63 277534442 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
POLAND +48 918851063
info@ap-companies.com
+34 911877633;
PORTUGAL mbasmanila@marinebenefits.no
+48 588826626
operator@ap-companies.com/ 
ROMANIA +40 215398142
info@ap-companies.com
operator@ap-companies.com/ 
RUSSIA +7 4951252693
info@ap-companies.com
operator@ap-companies.com/ 
SERBIA +38 521770715
info@ap-companies.com
operator@ap-companies.com/ 
SEYCHELLES +34 931702286
info@ap-companies.com
SINGAPORE +63 277534442 mbasmanila@marinebenefits.no
operator@ap-companies.com/ 
SLOVAKIA +421 220510384
info@ap-companies.com
SOUTH AFRICA +27 213001892 mbasmanila@marinebenefits.no
SPAIN +34 911877633 mbasmanila@marinebenefits.no
+94 767205340;
SRI LANKA info@medassist.lk
+94 415632363
SWEDEN +46 812111119 mbasmanila@marinebenefits.no
THAILAND +63 277534442 mbasmanila@marinebenefits.no
TURKEY +39 0699268232 mbasmanila@marinebenefits.no
+380 443610547
(AP Kiev, Ukraine)
+380 482399605 operator@ap-companies.com/ 
UKRAINE
(AP Odessa, Ukraine) info@ap-companies.com
+380 487737898
(AP Odessa)
UNITED KINGDOM +44 2033937316 mbasmanila@marinebenefits.no
UNITED STATES +1 7865159729 mbasmanila@marinebenefits.no
VIETNAM +84 2444582153 mbasmanila@marinebenefits.no

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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FREQUENTLY ASKED QUESTIONS

1. WHERE CAN I FIND THE LIST OF ACCREDITED PROVIDERS?
The list can be accessed via our website at www.marinebenefits.no. Just have your
member card - ID number, and your birthdate at hand.

2. HOW DO I KNOW IF A CERTAIN ILLNESS AND/OR DIAGNOSTIC PROCEDURE

REQUESTED BY ACCREDITED DOCTOR IS COVERED?
• The Schedule of Benefits and the Marine Benefits Medical Plan info summary are
included in the welcome package for guidance.
• Our Marine Benefits hotline is open 24/7 and a call may be made to them, or you
can chat with us.
• Schedule of Benefits is also accessible in the Members Portal and in the Pocket
Assistant.

3. SHOULD I HAVE DIFFICULTIES DURING AVAILMENT WHO SHOULD I CALL?

Our Marine Benefits Hotline are manned by registered nurses and can provide
assistance 24/7.

4. CAN I HAVE HEALTH COVERAGE WHEN I TRAVEL OVERSEAS?

If not otherwise specifically stated, your medical plan only gives cover in your
country of residence. Thus, it will not cover you travelling outside of your country
of residence.

5. IF I LOSE MY HMO ACCESS CARD OR MBAS CARD SHALL IT BE REPLACED? Yes,

but the card production cost may be charged to you.

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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.

Practicing and balancing these principles is of course no guarantee for a healthier and
better life, but the probability is at least much higher. Whatever you do is a matter of
choices, and everything you do is either a net gain or a net loss.

+ + +
POSITIVE
EAT MOVE SLEEP
RELATIONS
• • •
• Eat regularly, • Be physically active • Get 6-8 hrs. of sleep/ • Make it a point to
three main meals: at least 30 min/ night. get to know your
breakfast, lunch and day or walk at least fellow crew -do you
dinner. Possibly 1-2 10.000 steps /day. • Spend 20 minutes know everyone’s
snacks if needed. outdoors every day, name and the
• Do vigorous physical preferably in the names of their family
• Eat only one portion activity 3-5 days/ morning. We need members?
every meal. week. sunlight!
• Find a hobby that
• Eat five different • Muscle strength 2-3 • Create a dark, cool you can bring
vegetables every times/week involving and quiet sleeping onboard.
day. For weight loss major muscle groups. environment.
max. 1 fruit/day. • Eat your meals
• Movement pause: • Drink all caffeine together with your
• Eat clean: Avoid For every 20 minutes before 2pm (or colleagues.
processed and sitting, walk 2 earlier).
fast food such as minutes. • Engage in social
candy, sweets, • Create a routine activities onboard:
cakes, cookies, ice • Find activities you for going to bed & BBQ, karaoke
cream, soda, pizza & enjoy and do them avoid screen time 1hr nights, games,
burgers. more often -the more before sleeping. dancing etc.
physical activity the •
• Drink water, at more health benefits. • Keep a daily
least 8 glasses/ gratitude diary –
day. Unlimited tea • Exercise with a friend write down 3 things/
and coffee (without and it will be more day in your life you
sugar). fun! are thankful for.
•
• Never eat alone.

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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

AGE IN YEARS GENDER M F

WAIST IN CM WEIGHT IN KG

HEIGHT IN CM HEIGHT IN M
METERS CM

BLO O D P R E SS U RE: BP NOR M A L 1 20/8 0 HIGH : >1 40/99

SYSTO LIC B P

D I ASTO LIC B P

PULSE

R E ST I N G

MAX 220 -
YO UR AGE
=

WA I ST TO HEIGH T RATIO: K EEP YOU R WAIST LIN E TO 50% OR

L E S S OF YOUR HEI GHT. >50 % => TAKE ACT ION .

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

( METERS . CM
YOUR HE I G HT )
2

X 23.0 =
KI LO G R A M S

F E M A L E • I DEA L B ODY W EIGH T

( METERS . CM

YOUR HE I G HT )
2

X 21.5 =
KI LO G R A M S

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HEAD OFFICE, SALES

& MARKETING

Marine Benefits AS,

P.O. Box 75 Sentrum NO-5803
Bergen,Norway

Visiting Address:
Olav Kyrresgate 11, NO-5014
Bergen, Norway

SUPPORT &
O P E R AT I O N S

Marine Benefits, Inc.

29/F, Pacific Star Building, Sen.
Gil Puyat Ave. Corner Makati
Avenue, Makati City, 1209.
Philippines

HOTLINE
+ 63 2 7 753 4442

FOR INQUIRIES AND FURTHER

I N F O R M AT I O N , P L E A S E C O N TA C T U S :

mbasbergen@marinebenefits.no

mbasmanila@marinebenefits.no www.marinebenefits.no

facebook.com/mbas.ph TELEPHONE: +47 55 55 95 00