The employer or an institution such as an airline, professional aviation association, flight school or air traffic control association apply for the insurance contract and insure their employees with it.

ELIGIBILITY CRITERIA INSURED PERSON

• cockpit crew
• cabin crew
• Air traffic Controllers, PNA, METEO and TC personnel

 

COVER Permanent Total Disablement (PTD)

Options:

Temporary Total Disability (TTD)

MENTAL OR PSYCHOLOGICAL MODULE

TEMPORARY TOTAL DISABILITY

2% of the Lump Sum amount for a maximum of 24 months for each (TTD) subsequent full month (and the relevant proportion of any partial month).

Waiting period: for example 60 or 90 or 120 days. During this period no indemnity will be paid and the first payment of an admitted claim will be payable monthly in arrears – i.e. 30 days after the end of the deferred period. No benefit will be paid after the death of the Insured.

Where the cessation or remission of a Disability results in the Insured no longer being Disabled for a period exceeding 30 consecutive days, any subsequent period of Disability shall constitute a new Disability, with its own Waiting Period.

Periods for which Temporary Benefits are paid and which result from the same or a related Disability will be added together for the purposes of assessing whether the Maximum Benefit Period has been reached.

Non-Accumulation of Lump Sum and Temporary Benefits:

Any sum previously paid or due in respect of the Temporary Benefit section of this Policy will be deducted from any amount payable under the Lump Sum Benefit section of this Policy for the same or a related medical condition.

MENTAL OR PSYCHOLOGICAL A mental or behavioural disorder split in two schedules of Permitted Mental or

MODULE Behavioural disorders dependent to ICD-10 (World Health Organisation – WHO –

Official Publication, Chapter V)

SPECIFICS

No insurance coverage can be provided to persons with a temporary employment contract.

Medical examination is not required.

Death is not the subject of insurance.

AREA OF COVER Worldwide

CURRENCY EUR € or USD $

Expiry 65th birthday attained

SUM INSURED

Permanent Total Disablement (PTD)

Lump Sum max. 350.000 EUR per pilot up to age 59

Above age 60 max. 175.000 EUR per pilot

Waiting Period: PTD – for example 120 or 180 Days from the date of disablement

We will gladly send you further information upon request.