Loss of Licence Insurance
Join Date: May 2008
Location: UK
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I think once you get the medical you've overcome a lot of hurdles like eyesight requirements, health functioning kidneys and so on.
Surely the easiest way to lose a medical would be something affecting your eyes, or your hearing?
Surely the easiest way to lose a medical would be something affecting your eyes, or your hearing?
Join Date: Sep 2007
Location: Cheshire
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thank you . . . . . . . .
their aim is to keep you flying as long as possible. They are out to do everything they can to pass you, not fail you
Needless to say, exactly the same here as it is over there.
Join Date: Aug 2008
Location: UK
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Actually, the most common reason for loss of medical in the UK is cardiovascular disease. Ho do you reduce the risk? Lose weight, don't smoke, exercise regularly, and get you blood pressure and cholesterol under control.
Join Date: Aug 2005
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EliasG, you're young and "new to this stuff", so here:
To get your initial Class I, you will pass if you are healthy. There are a number of medical conditions which will exclude your passing. Most of them relate to vision, neurological conditions, and a long list of chronic diseases which are fortunately not that common. Psychiatric conditions, addiction to drugs or alcohol, etc., are common causes of failure.
There are also a number of less severe or temporary conditions, for which you need to have proper treatment, then they re-evaluate you and if you then pass, you're good to go. Obviously, if you have a broken right arm you will not pass, but when it's healed you will.
At your age 17 it is hard to grasp the idea of illness. Most young folks, if they have not had much medical history by your age, will find initial passing not that tough.
Keeping that medical requires that you keep your health. As we get older, the most common causes of poor health involve weight, blood pressure, smoking, and drugs and alcohol. Best not to let any of those things get out of control. These days a big problem is the number of people taking psychoactive drugs: for depression, ADD, or whatever. Some authorities will approve in some such cases, many will never approve.
And remember, the important thing will always be what the authorities think of your health, not whether you yourself think you're okay to fly.
So it's like what others have posted. Stay healthy, and if you wish to fly for a living, don't allow any of those things to get out of control.
Graham MD
To get your initial Class I, you will pass if you are healthy. There are a number of medical conditions which will exclude your passing. Most of them relate to vision, neurological conditions, and a long list of chronic diseases which are fortunately not that common. Psychiatric conditions, addiction to drugs or alcohol, etc., are common causes of failure.
There are also a number of less severe or temporary conditions, for which you need to have proper treatment, then they re-evaluate you and if you then pass, you're good to go. Obviously, if you have a broken right arm you will not pass, but when it's healed you will.
At your age 17 it is hard to grasp the idea of illness. Most young folks, if they have not had much medical history by your age, will find initial passing not that tough.
Keeping that medical requires that you keep your health. As we get older, the most common causes of poor health involve weight, blood pressure, smoking, and drugs and alcohol. Best not to let any of those things get out of control. These days a big problem is the number of people taking psychoactive drugs: for depression, ADD, or whatever. Some authorities will approve in some such cases, many will never approve.
And remember, the important thing will always be what the authorities think of your health, not whether you yourself think you're okay to fly.
So it's like what others have posted. Stay healthy, and if you wish to fly for a living, don't allow any of those things to get out of control.
Graham MD
Join Date: Mar 2008
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Sadly I have known quite a few pilots that have died from various problems, despite being apparently very fit, healthy and undergone regular (6-monthly) aviation medicals, including E.C.G.s. Some of them were suicides, with no physical problems - just mental ones.
As a profession, our regular check-ups must help "nipping it in the bud" before a sympton becomes life threatening, but even then "when your time is up".........!
Best advice is given by the medical professionals - take it.
As a profession, our regular check-ups must help "nipping it in the bud" before a sympton becomes life threatening, but even then "when your time is up".........!
Best advice is given by the medical professionals - take it.
I think its a valid concern eliasg, loss of a medical is the one thing that affects your ability to fly, (and your career, and ability to pay the bills etc),that is outside your control.
Following obs/ame's advice won't get you far wrong.
Following obs/ame's advice won't get you far wrong.
Join Date: May 2008
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Live a healthy lifestyle. 
Exercise regularly, a have a balanced diet, maintain a good weight in ratio with your height. Being too overweight and obese can cause Diabetis then your grounded. The medical is thorough, BP, ECG circulation, lung function, hearing, sight, blood & urine. They poke your stomach aswell dont know what theyre looking for there?
Drink in moderation cut smoking out as this will reduce circulation and lung function.
Thing is you can do the above but the pilots I fly with dont seem to worry. They drink lots and are overweight. So I wouldnt worry too much you could go out and get knocked down tomorrow.....
Exercise regularly, a have a balanced diet, maintain a good weight in ratio with your height. Being too overweight and obese can cause Diabetis then your grounded. The medical is thorough, BP, ECG circulation, lung function, hearing, sight, blood & urine. They poke your stomach aswell dont know what theyre looking for there?
Drink in moderation cut smoking out as this will reduce circulation and lung function.
Thing is you can do the above but the pilots I fly with dont seem to worry. They drink lots and are overweight. So I wouldnt worry too much you could go out and get knocked down tomorrow.....
They poke your stomach aswell dont know what theyre looking for there?
Rarely does it detect any abnormalities, but we have to do it to stop getting sued and to make the patient feel better.
Having said that, we do sometimes find the odd prince amongst the frogs we have to kiss.
Join Date: Jan 2007
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What happens if you lose your medical at about 25 years old and you are in a company,are there any insurance companies that will back you up in case of lose of medical?
loss of licence insurance
Hello all,
I am looking for an insurance company covering the loss of licence risk (for medical reason)
Does somebody has an idea ?
Thanks.
I am looking for an insurance company covering the loss of licence risk (for medical reason)
Does somebody has an idea ?
Thanks.
Join Date: Oct 2003
Location: London
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It is going to depend on where you live/work, and which authority issues your licence/medical. The insurance company base premiums on risk and without knowing that information your question is difficult to answer.
Some of the UK companies tailor policies for CAA/JAA and may not wish to cover other licence holders.
Some of the UK companies tailor policies for CAA/JAA and may not wish to cover other licence holders.
Join Date: May 2003
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Yes you can get LoL insurance from a number of different sources. BALPA is one, they offer a loss of medical for training fees which then becomes a LoL insurance once you actually get a job. Also don't just think about it for whilst you have debt, you should have it for the whole of your career, you could lose your medical at anytime and lose your main salary!
Join Date: May 2003
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Its not their business how you pay for your training, so no it doesn't matter not having a loan in your name. IF you loose your licence on medical grounds then you will get back the sum you insured for the cost of your training.
Off topic slightly, but take a long hard look at spending the kind of money your thinking about for an integrated scheme in the current aviation climate, especially if your parents mortgage is going to be on the line if you can't meet repayments when you don't get a job at the end of it. Its a much more sensible idea to go modular and pay as you go, and not having such a mountain of debt. I'm an FO for one of the best paying airlines in Europe and even I don't find it comfortable having the debt of an integrated course on top of me, think about what it would be like with no job!!!
Off topic slightly, but take a long hard look at spending the kind of money your thinking about for an integrated scheme in the current aviation climate, especially if your parents mortgage is going to be on the line if you can't meet repayments when you don't get a job at the end of it. Its a much more sensible idea to go modular and pay as you go, and not having such a mountain of debt. I'm an FO for one of the best paying airlines in Europe and even I don't find it comfortable having the debt of an integrated course on top of me, think about what it would be like with no job!!!
Join Date: Aug 2006
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Hello
I know you've probably heard it all before but modular is a pretty good way to go to. I chose to do long distance learning with Bristol groudschool and they were fantastic. At least I was still earning whilst learning. I did my ppl just before sept 11th and the whole thing till finish took 3 years. I worked as cabin crew for the full duration in the charter sector. After I finished the ATPL exams I took upaid leave during the winter and completed my CPL/hour building in the states,worked for the summer build up funds again.then took unpaid leavethe following winter and did the IR at Bristol flying center.
I got a job an airline job flying 4 weeks after I finished my IR and am still working for an airline now 3years later and still struggle to pay of my debts whilst on a very good wage and a pretty humble lifestlye.
I just wanted you to see that things can work out just as well going the modular route, freinds of mine that did the intergrated route did'nt get jobs until about a year after passing the IR.
Hope it helped a little bit? But whatever way you do it its dam expensive but I love my job and its an investment in my future
I know you've probably heard it all before but modular is a pretty good way to go to. I chose to do long distance learning with Bristol groudschool and they were fantastic. At least I was still earning whilst learning. I did my ppl just before sept 11th and the whole thing till finish took 3 years. I worked as cabin crew for the full duration in the charter sector. After I finished the ATPL exams I took upaid leave during the winter and completed my CPL/hour building in the states,worked for the summer build up funds again.then took unpaid leavethe following winter and did the IR at Bristol flying center.
I got a job an airline job flying 4 weeks after I finished my IR and am still working for an airline now 3years later and still struggle to pay of my debts whilst on a very good wage and a pretty humble lifestlye.
I just wanted you to see that things can work out just as well going the modular route, freinds of mine that did the intergrated route did'nt get jobs until about a year after passing the IR.
Hope it helped a little bit? But whatever way you do it its dam expensive but I love my job and its an investment in my future
Last edited by TLBird; 31st Oct 2008 at 10:57.
Join Date: Mar 2008
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Very ineresting topic, In adition to it, as i didnt quiet got that out off the tread so far, can i also insure myself for losing my class one and than get cover my income??
I have an income protection insurance incase off an accidant. (wich was very hard to get due to the nature off my job).wich start paying after 2 weeks after the accidant.
up to 2 years, after that I am on my own.
cheers
I have an income protection insurance incase off an accidant. (wich was very hard to get due to the nature off my job).wich start paying after 2 weeks after the accidant.
up to 2 years, after that I am on my own.
cheers
Join Date: May 2008
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that's true but they sent to me an email in english with all details . As i said looks everything correct and very good insurance but i'd like to know if someone has already contracted any insurance whit them and of course wellcome any other suggestion!!