Receive a higher insurance protection for lower premiums
CREWSOLUTION Fitness to Fly Insurance
Fitness to Fly cover provides OWN OCCUPATION disability cover against any accident or illness which prevents the performance of the essential duties of your normal occupation as an airline pilot.
The plan pays Temporary Loss of Income benefits of your choice up to a maximum of 75% of your annual earnings, PLUS a Permanent Total Disability lump sum of your choice up to a maximum amount equivalent to four years annual earnings.
You may select an annual benefit of your choice, up to 75% of your gross salary*, payable for up to 24 months of ongoing illness or injury, which then gives rise to a lump-sum benefit of your choice 1x, 2x, 3x, or 4x salary, where there is no prospect of sufficient improvement in your condition to return to your normal occupation as a pilot.
For example, on a salary 100,000 the maximum allowable annual benefit is 75,000 payable for two years and then followed by a lump-sum in the amount of 1, 2, 3 or 400,000.
Fitness to Fly cover is the most affordable financial protection available to pilots in the long term, with especially large savings on the comparable cost of LOL cover for pilots aged over 40
Fitness to Fly also offers the highest available sum insured available in the market.
Key features of Fitness to Fly include:
Largest benefit option for higher earners.
Lowest long term cost for all ages!
The lesser of the annual benefit of 120,000 or 75% gross salary* as a maximum.
Annual benefits commence after 90 days.
Annual benefit payable monthly for up to 24 months.
Permanent Total Disability Lump Sum 1x, 2x, 3x, or 4x salary.
Lump-sum is paid in addition to annual benefits.
Full injury and illness cover to ceasing age 65.
Enrolment is open to new applications at the underwriter’s discretion.
CREWSOLUTION reserves the right to restrict future new enrolments subject to demand.
*Maximum benefit from all sources, social welfare benefit deducted, if applicable.
IMPORTANT NOTE TO SWISS PILOTS!
First 24 month monthly benefit coverage!
If you are employed in Switzerland, you are usually covered for a specific time frame, in case that you are unable to work.
(e.g. 2 month 100% Salary paid by the company, 22 month 80% coverage by Swiss Social Security system)
As your insurer we cover a maximum benefit of 75% as a combination of your salary and benefits (e.g. social security benefit or federal social security), therefore we adapted the following iframe in a way that allows you to enter a 0 € amount to avoid paying a premium fee for services you will not additionally receive due to your national security coverage program.
All other can enter a monthly benefit of up to 75% of their Salary!
Please do not hesitate to contact us if you have any questions about your personal setup.
Quotation process
Please choose your company
Add your company identifier
( Your personal Company Crew 3-Letter Code )
Standard Schedule of Benefits - Fitness to Fly
Benefit
Plan
Benefit Maximum
A
Temporary Total Disablement by Bodily Injury or Illness
Up to 75% of Salary
B
Temporary Total Disablement by Classified Illness or Psychological Illness
Nil
C
Permanent Total Disablement by Bodily Injury or Sickness
1x, 2x, 3x or 4x Salary
D
Permanent Total Disablement by Classified Illness or Psychological Illness
Nil
Key Policy Conditions and Exclusions:
DISABILITY DEFINITION: OWN OCCUPATION - any illness or injury which prevents the performance of the essential duties of your normal occupation as an Airline Pilot.
SUM INSURED: Maximum Total Temporary Disablement 75% of salary, subject to a total maximum of 10,000 per month benefit, payable for 24 months followed by a Permanent Total Disablement (PTD) Lump Sum of your choice, 1x, 2x, 3x, or 4x Salary, payable where there is no prospect of an improvement in your medical condition to perform the essential duties of your normal occupation as an airline pilot.
PRE-EXISTING CONDITION EXCLUSION: Any claim arising out of or attributable to any disability, condition or illness for which an Insured Person has received or required medical or psychiatric treatment or counselling in the 24 months prior to the effective date of an Insured Person’s insurance, until a period of 24 months has elapsed during which time an Insured Person has neither received nor required any medical or psychiatric treatment or counselling for the said disability, condition or illness.
EXCLUSIONS: War, Terrorism or warlike action (whether declared or not), civil war, rebellion, insurrection or military or usurped power; Travel to any war zones not declared to, and accepted by underwriters; Nuclear, Chemical and Biological weapons or warfare; Partial disability; Bonus or commission; Loss directly or indirectly by Kidnap & Ransom; Attempted suicide or self-inflicted injury; Misuse of drugs or alcohol; HIV; Loss of Occupational Licence; Failure to pass a periodical aviation medical for anything other than bodily injury or sickness; Mental or nervous disorders; Workers Compensation; Maternity unless medical complications arise; Dependents; Regularly or extensively practiced hazardous sports including but not limited to: Boxing, Climbing/Mountaineering requiring ropes or guides or free climbing; All professional sports; Hang Gliding, Delta wing gliding and paragliding; Motorized racing of any form; Deep sea diving; Parachuting; Bungee jumping; Show jumping, steeple chasing, eventing or flat horse racing.
FITNESS to FLY does not cover mental or nervous disorders or illness directly or indirectly related to alcohol, drugs or narcotics.
Please submit your personal quote or call us for a personal advice.
