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Loss of Licence Insurance

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Loss of Licence Insurance

Old 13th Jan 2015, 19:31
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loss of license insurance

Hello guys,
Any advice for a good loss of licence insurance in Europe?
Thanks
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Old 13th Jan 2015, 20:11
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I have this in UK:

https://www.aircrewbenefits.com/about.php

It's PIP - Personal Income Protection, rather than LoL cover.

I think PIP is far more practical...
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Old 23rd Jan 2015, 13:26
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I have additional cover with this company. Appn
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Old 9th Feb 2015, 14:30
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CBE aircrew care of Luxemburg?

Somebody of you know CBE aircrew care of Luxembourg? Is this insurance company trustable ?
Thanks
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Old 15th Mar 2015, 07:35
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Worldwide LOL Insurance

Does anyone have any recommendations?

Cheers
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Old 24th Mar 2015, 20:48
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Haywards Insurance, London
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Old 23rd Feb 2017, 22:59
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Loss of Licence Insurance

Hi All,

I have recently started working in the Airline Industry based in Europe. I want to take out a Loss of Licence Insurance Policy.

I have looked online at various companies, they all look great on paper but I am looking for some real world recommendations from those who have experience in dealing with such policies/claims etc.

What to look out for ? How much should one expect to pay ? Any companies that people might recommend and what one's to stay away from ?

Any help or advice is greatly appreciated.
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Old 24th Feb 2017, 09:48
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Your local pilots' association might have some recommendations.
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Old 20th Mar 2017, 19:06
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Sorry, this needs specialised brokerage help.

First, what do you want - private health care in the UK which is what the PMIs such as BUPA provide, or overseas healthcare? Is it for living overseas of just travelling????? And is that travelling as a pilot or are you flying in one country and just positioning?

Now add in both your ages and previous medical history and you will see that this thread really cant give you sensible advice

All I would say is that you must look at the benefits and compare them with actual costs. Most UK insurers offer benefits that fewer and fewer doctors will accept. Overseas care can escalate into literally the millions very fast as many healthcare systems are financially unregulated and you are the foreigner. And you must be covered for the big ticket items for the cover to be worthwhile in the UK and to be covered overseas.

This is just a general observation, and I am not providing financial advice
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Old 11th Nov 2017, 19:15
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Baymac canceled my health insurance because I am a US national

Baymac / Clements gave me notice that they will not extend my health insurance contract. I have been with them for 4 years, have claimed one little claim of $200. Now, because I am a "US national" they do not extend. I have not lived in the US for 10+ years. Never go there for medical care. I would understand if I were to seek care in the US as it is outrageously expensive there, but because I hold a US passport? What's next? No gays, jews, blue eyed people? How can they get away with this? Their medical insurance arm, Clements, is based in Washington, DC. Isn't that unconstitutional?
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Old 12th Nov 2017, 12:52
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Sorry, it is not unconstitutional, just unfair. An insurance company can write policies however they wish. There needs to be no reason or logic, not even truth.

Hence the saying 'the only people who need insurance are those that cant afford it'
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Old 9th May 2018, 12:45
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Insurance for Class 1 Medical

Hi - a quick question if I may... can anyone recommend a good insurance policy/company to cover Class 1 Medical? I've recently renewed my medical (after lettting it lapse for a few years) and it occurs to me that since my future employment hangs upon it, I should have it properly insured. TVM
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Old 9th May 2018, 12:48
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BALPA Financial Services offer Loss of Licence Insurance and it's available to non BALPA members.

It's not cheap but not sure you will find anyone offering that kind of cover "cheaply"
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Old 9th May 2018, 13:14
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Thank you OH - I just found a couple of great threads - one here on PPRuNe - and I can see it is a bit of a minefield!

Here's a link in case anyone else is looking:

External Loss Of License Insurance

It looks like the best approach is to go for 'loss of income/earnings' insurance and look at the qualifying conditions VERY carefully!
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Old 14th May 2018, 12:43
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Medical Insurance in China

Hello guys,

Iíll soon be moving to China and the company includes a very basic insurance, I would like you to recommend me the best option for Medical Insurance in China. By the way, I do have a temporary loss of license insurance included.

Thanks in advance!
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Old 14th May 2018, 15:30
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I would suggest an open ticket to LHR or somewhere Stateside as the best insurance
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Old 23rd Oct 2019, 00:29
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Baymac Loss of license insurance

Dear all

I'm interested to buy my own loss of license insurance

I have a quotation from APPN they have a great reputation worldwide but their prices high

On other hands, I found a company call BAYMAC they gave me a wonderful price.

Any ideas or advice or issue regarding Baymac?

Please feedback


Thanks again
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Old 26th Jan 2020, 19:52
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Hello guys,

I had Loss of Licence insurance from a French company called SAAM-Insurance (pilot-SAAM) but these days, their way of communication is pissing me off. That's why I'm trying to find any other, maybe better insurance companies for aviators. I heard about BAYMAC-APPN but didn't get any quote yet. Does any of you may recommend or -better share- experiences?

Thanks in advance
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Old 6th Mar 2020, 16:06
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Hi all.

Just stumbled across a company called Drewberry offering LoL insurance. Has anyone had any experience of them?

Thanks
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Old 30th Mar 2020, 14:57
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Originally Posted by AL-MEHDAR View Post
Dear all

I'm interested to buy my own loss of license insurance

I have a quotation from APPN they have a great reputation worldwide but their prices high

On other hands, I found a company call BAYMAC they gave me a wonderful price.

Any ideas or advice or issue regarding Baymac?

Please feedback


Thanks again
Hi,
I would like to share my recent experience with Baymac/Clements Loss of income insurance. I have been a member with them since 2016. Recently I put in a claim for loss of income but was rejected. The reason given was :
1. It had past the 365 days from the date of first manifestation. I was grounded just past the 365 day period as I was advised by a specialist to go for other treatment to try to avoid an operation. Finally, after other treatments did not work, the specialist recommended a surgery which I had, and was thus grounded. I reasoned with them that this is quite unreasonable as any right thinking persons would seek other treatment first before going for an operation but they were quite adament about it. This is stipulated under Sickness.
2. The second reason given was that under Part 5 of Exclusions, they have determined that the sickness or injury occurred during the 30 month period preceeding the inception date of the policy, thereby deeming it as a Pre Existing Condition. When I pointed out that I had this policy since 2016 and therefore my sickness was after the 30 month period, they informed me that every time the policy is renewed, the date resets and therefore they deem it as a pre existing condition.
The two reasons given will pratically disqualify any pilot from any payout in the event of a Loss of License. I have thus cancelled my policy with them. I would advise anyone who has a policy with them to read and try to understand what is in the policy they have taken. In my case, I found out the hard way that I was paying high premiums for nothing.
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