Pilots & Flight Crew

A flight crew member's ability to continue working depends on the continued validity of professional licences and medical certificates. Loss of a licence due to a health condition can translate directly into a loss of income, while the risk of an accident during duty constitutes a separate area for consideration.

Risks You May Face

Temporary or permanent loss of a professional licence due to a medical condition
Personal accident risk during duty (flight deck, cabin or technical personnel)
Risk of failing a periodic medical examination
Increasing risk of health-related licence loss as age advances
Varying risk profiles across different operation types (training, charter, scheduled services)

Insurance Needs to Consider

Assessment of licence-loss coverage from an income-protection perspective
Planning personal or individual accident coverage appropriate to the role
Identifying the need for separate coverage for ancillary activities such as tandem flying or instructing

Points Worth Noting

It is advisable to provide a complete medical history declaration at the application stage
Waiting periods and coverage exclusions should be examined carefully
If the role changes (e.g. transition to instructing), coverage must be updated accordingly