Air Crew Insurance
If you need help, call 1300 089 847
Put simply, loss of licence insurance provides financial protection if you suffer an injury or illness that prevents you working as a pilot due to suspension of your Class 1 medical certificate.
We offer two types of benefit; permanent loss of licence pays a lump sum benefit if you are unlikely to return to flying and temporary loss of licence provides a monthly benefit if you lose your licence temporarily or permanently. Most pilots prefer both types of benefit to pay off larger loans and shorter-term monthly expenses
Our policy is available to pilots on an individual basis or you can buy our cover as an additional ‘top up’ to an existing group policy's coverage. Individual cover allows portability of your policy should your employment or membership change, which means no gaps in cover.
We can help protect professional fixed and rotary wing pilots from an extensive range of low and high-risk flying activities.
Agricultural
Aerial work
Commercial air transport
Instructional flying
Special task or mission
The Air Pilots Award 2020, Part 4-Clause 20.3(c), specifies an annual allowance of $2,364 is payable by employers to their permanent hire employees to assist with the purchase of loss of licence insurance. Our unique approach is the ability to provide benefits to fit within the award amount prescribed.
Permanent loss of licence (capital benefit) standard cover
Permanent loss of licence cover provides a capital lump sum if your medical certificate is suspended long term and you are unable to fly for a living.
cover up to $600,000 dependant on age
180 days waiting period
35% benefit for alcohol and drug related illness
full mental health conditions cover
bodily injury cover ages 61–64 inclusive
Temporary Loss of Licence (monthly benefit) optional extra cover
Temporary loss of licence cover provides a regular monthly income while you’re not flying if your medical certificate is suspended permanently or temporarily.
85% of income up to $15,000 per month
waiting periods options 60 / 90 / 120 or 180 days
no requirement to exhaust sick leave
up to 24 months benefit period
This is a summary only. For full terms, conditions, limits, definitions and exclusions, please refer to the Product Disclosure Statement (available for download when applying for a quote). Any advice on this website is general in nature and does not take into account your personal objectives, financial situation or needs.
Professional pilots face occupational stressors every day such as irregular work schedules, work/life balance, fatigue, disruption of sleep and increased anxiety from having to take regular medical tests. However, many pilots are not properly insured, and you’ll find most plans have a full exclusion, only pay claims resulting from defined conditions or reduce the benefit payable. We know the importance of offering the widest coverage possible.
Access to our loss of licence insurance is available to individuals and groups with no association or union membership required.
New applications for loss of licence insurance accepted to age 59 and personal accident insurance to age 64.
We recognise one size does not fit all, instead of charging you for benefits you may not want, we give you control to select the level of cover you need. If it’s insurance to fit an Enterprise Agreement or Air Pilot Award that you’re after, we can tailor coverage that works for you.
Our service providers work with Designated Aviation Medical Examiners (DAME’s) in the claim’s decision process to ensure appropriate, timely and fair handling of claims.
We want to improve your insurance buying experience, customise a quote and apply for instant cover online, even while on the move.
1. Choose the cover option that works for you.
2. Get a quote and complete the online application by answering questions about your health.
3. Choose a payment option, pay by invoice, credit card or monthly if your premium exceeds $1,000.
Customise your cover
This provides the greatest flexibility, the premium is influenced by the sum insured, benefits and waiting period option you have chosen.
Air Pilots Award / Enterprise agreement
We can custom cover to fit an Air Pilot Award or Enterprise Agreement, the sum insured, benefits and waiting period is tailored to the reimbursement rate provided by your employer.
