Re: Aircrew Life Insurance???
Critical Illness cover is a good idea if you can afford the extra premium. It effectively pays out should you come down with a CI such as cancer or have a heart attack etc. Given the risk we all stand of getting one of these, it's a small price to pay for having your mortgage covered etc. And you don't have to die getting it. Which is nice.
Generally you won't be covered in-theatre but you'll be covered to the airhead in theatre and from the airhead back to home. They're just worried about any nasties from DU shells and the like...
For example
£200K life and £100 CI, 37yo, 23yrs - approx £64pm thru NAAFI.
Yeah, it's more expensive, but worth a think...
...and all real emergencies will be preceeded by "was that you?"