FITNESS TO FLY and LOSS OF LICENCE INSURANCE

Crewsolution insurance in-depth knowledge, means we are the right people to help you navigate your way through to find the right insurance product for you and to make affordable income insurances available to all aircrew.

Our simple online tool will ease your application, provide instant quotations and grants a fast underwritten acceptance, from selected international insurers.

We offer you two options initially, in response to most urgent demand.

LOSS of LICENCE COVER (LOL) Lowest cost option at younger ages, comprehensive cover.

FITNESS TO FLY INSURANCE (FTF) Lowest cost option over age 36, higher income options.

We will assist you if you wish to take cover for the first time, replace expensive cover or supplement existing benefits.

Applications are subject to acceptance, confirmation of cover issues directly from insurer.

Direct billing, at your preferred frequency, commences soon thereafter.

You can choose your currency – USD/GBP/EUR for our programs

Please find additional information and your personal premiums immediately in our tools on our menues.

If you have any further question or need additional advice please feel free to contact us anytime !

PLAN TYPE	LOSS OF LICENCE	FITNESS TO FLY
MAXIMUM LUMP SUM	400.000 (Less monthly benefits)	640.000 (1 - 4x salary - plus monthly benefits) on special request up to 1.200.000
MONTHLY BENEFIT	2% of the LOL Sum Insured	Up to 75% of gross salary, max. 180.000 per year (Benefit paid monthly - max 15.000)
PLAN INTEREST	Loss of CPL/ATPL on medical grounds	Loss of medical or physical fitness to fly
MONTHLY BENEFIT WAITING PERIOD	90 DAYS	90 DAYS
PSYCHOLOGICAL & CLASSIFIED ILLNESS	100% of LOL Sum Insured	NIL
SPECIFIED DEGERNATIVE ILLNESS	100% of LOL Sum Insured	NIL
PRE-EXISTING CONDITIONS	Illness/Injury occurring during the 24 months immediately prior to plan start date, recurring within 24 months from plan start date is excluded.	Illness/Injury occurring during the 24 months immediately prior to plan start date, recurring within 24 months from plan start date is excluded.
BENEFIT CEASING AGE	Age 60 (Accident only cover applies at ages 60-65)	Age 65
REMIUM PAYMENTS – BOTH PLANS	Collection Charges - Annual 0%, Semi Annual (+2%), Quarterly (+4%), monthly 6% Policy Fee Annual 12, Semi Annual 9, Quarterly 6, Monthly 2.50 Currencies: EUR/USD/GBP

FITNESS TO FLY INSURANCE

Fitness to Fly insurance comprises temporary loss of income benefits benefit of up to 75 of earnings and a permanent loss of income lump sum in the amount of 1x, 2xs, 3sx, or 4x salary.
Temporary benefits are payable from 90 days to 24 months at which point lump sum benefits become payable. Both are capitalized sooner if there is no prospect of sufficient recovery to resume flying.
Fitness to Fly benefits are earnings related and the maximum % benefit is the total from all sources. Social Welfare benefit will be deducted, if applicable.
Mental or nervous disorders and alcohol, drug or narcotic related illness are NOT covered under the Fitness to Fly plan.
PRE-EXISTING CONDITIONS – Injury or illness that arose during 24 months immediately prior to the Fitness to Fly plan start date, are excluded if the same condition recurs within 24 months from the plan start date.

LOSS OF LICENCE

Loss of Licence benefits are not directly salary related and you can choose any amount up to a maximum of 400,000
Monthly Loss of Licence benefit, 2% of the LOL sum assured per month is deducted from the Loss of Licence Lump sum when payable.
100% of the Loss of Licence Sum Assured is payable in the event of psychological and classified illness.
PRE-EXISTING CONDITIONS – Injury or illness that arose during 12 months immediately prior to the Fitness to Fly plan start date, are excluded if the same condition recurs within 24 months from the plan start date.

DENEGERATIVE ILLNESSES are medical conditions that are solely of gradual operating cause. Degenerative conditions covered under Loss of Licence are specified as follows.

Parkinson's Disease
Multiple system atrophy
Multiple sclerosis
Progressive supranuclear palsy
Cancer

Heart Disease
Prostatitis
Osteoarthritis
Osteoporosis
Rheumatoid Arthritis

Rheumatoid Arthritis
Huntington's Disease
Chronic traumatic encephalopathy
Chronic Obstructive Pulmonary Disease (COPD)
Marfan's Syndrome

Non-degenerative manifestations of the above conditions, are covered under both policies.

COST FACTORS & PREMIUM PAYMENTS

Loss of Licence provides a low cost option for younger pilot
Fitness to Fly provides higher income benefits for higher earners at a lower cost for those over age 36.

Policy terms, conditions and exclusions are attached to each personal quotation.

Please read and accept our new Terms & Conditions