Life Insurance for flying into War Zones
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Life Insurance for flying into War Zones
Given EK's operation into Afghanistan and Iraq, I am wondering which life insurance company the pilots of those aircraft use? In my research most, if not all companies (including the APC recommended Oman Group) specifically exclude acts of war and terrorism in these countries.
Daily 777 into Kabul, Basra and Baghdad as of December...
Daily 777 into Kabul, Basra and Baghdad as of December...
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Its on your own risk no insurance in the world will cover this risk.
And your life insurance and loss of license won't pay!
But be assured according TCAS Kabul is the safest Airport in the world as there is plenty of military around.
And your life insurance and loss of license won't pay!
But be assured according TCAS Kabul is the safest Airport in the world as there is plenty of military around.
Oh the poor dears
Go to aircraft docs folder and you will find the insurance bit which states What is and What is not covered. Personal insurance cover for this is not widely covered, however a Google search will show who does it, and at what premium.
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Originally Posted by Monarch man
Given your answer, laden with sarcasm such as it is, suggests you know more than you are letting on? i.e. are the crew insured?
Talparc got it right
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czechmate
Here's the link for the APC insurance. Page 26, 1.2 makes no mention of the exclusion.
http://aircrewprotection.org/files/A...es_adopted.pdf
13.3.8 makes ref to deliberate exposure to exceptional danger but I believe P26 1.2 covers you.
$100,000 cover with membership, you can purchase upto $500,000. I'm looking into it myself.
H-D
Here's the link for the APC insurance. Page 26, 1.2 makes no mention of the exclusion.
http://aircrewprotection.org/files/A...es_adopted.pdf
13.3.8 makes ref to deliberate exposure to exceptional danger but I believe P26 1.2 covers you.
$100,000 cover with membership, you can purchase upto $500,000. I'm looking into it myself.
H-D
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HD,
Page 26 states that the Death Benefits are subject to the terms and conditions of Oman Insurance Company. I doubt very much that they would be any different to the other insurers....I.e. will not payout!
This is a very serious issue for all of us with families working in EK. We are basically uninsured when flying into these 'wars zones'. We should all be refusing to operate to Iraq or Kabul etc until we have confirmation from the company, in writing, that we are specifically covered for acts of 'war'. Not that the paper it would be written on is worth much I suppose!!!
As always I don't expect that the company would do anything to protect us or to make our lives better. The company doesn't care about us or our families. Employment conditions at EK only get worse - note to potential new joiners (if you've already failed to comprehend the numerous other threads!!)
Page 26 states that the Death Benefits are subject to the terms and conditions of Oman Insurance Company. I doubt very much that they would be any different to the other insurers....I.e. will not payout!
This is a very serious issue for all of us with families working in EK. We are basically uninsured when flying into these 'wars zones'. We should all be refusing to operate to Iraq or Kabul etc until we have confirmation from the company, in writing, that we are specifically covered for acts of 'war'. Not that the paper it would be written on is worth much I suppose!!!
As always I don't expect that the company would do anything to protect us or to make our lives better. The company doesn't care about us or our families. Employment conditions at EK only get worse - note to potential new joiners (if you've already failed to comprehend the numerous other threads!!)
Last edited by TCU LUX; 6th Jun 2016 at 10:30. Reason: Spelling mistakes
Check the insurance stuff in the docs folder.
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http://www.mondialdubai.com/api#
WHAT IS PASSIVE WAR RESTRICTION & TERRORISM?
PWRT Coverage
PWRT coverage will pay the death benefit in the event of a claim arising indirectly as a consequence of war, invasion, act of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion amounting to popular uprising, military uprising, insurrection, rebellion, riot if you are acting within the scope of your employment as an Emirates pilot, whether flying or on the ground.
HOWEVER, no benefit is payable if you voluntarily, willfully AND acting outside the scope of an Emirates employee or flight crew go to a country or an area where:
a) the British Government Foreign and Commonwealth Office advises against ‘all travel; or
b) go to, and remain, for a period of more than 28 days per stay in a country or an area where the British Government Foreign and Commonwealth Office advises against 'all but essential travel'.
UNLESS additional PWRT coverage is purchased.
WHAT IS PASSIVE WAR RESTRICTION & TERRORISM?
PWRT Coverage
PWRT coverage will pay the death benefit in the event of a claim arising indirectly as a consequence of war, invasion, act of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion amounting to popular uprising, military uprising, insurrection, rebellion, riot if you are acting within the scope of your employment as an Emirates pilot, whether flying or on the ground.
HOWEVER, no benefit is payable if you voluntarily, willfully AND acting outside the scope of an Emirates employee or flight crew go to a country or an area where:
a) the British Government Foreign and Commonwealth Office advises against ‘all travel; or
b) go to, and remain, for a period of more than 28 days per stay in a country or an area where the British Government Foreign and Commonwealth Office advises against 'all but essential travel'.
UNLESS additional PWRT coverage is purchased.
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Gents, I've trolled all threads for information on Life Insurance but not finding what I'm looking for. Can anyone recommend a decent company in Dubai for Life Insurance Cover? I am currently insured by Friends Provident but I would like to ad my wife to the policy also but exploring the possibility of switching to a different company if coverage is better. Many thanks.
Nemo Me Impune Lacessit
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PWRT coverage will pay the death benefit in the event of a claim arising indirectly as a consequence of war, invasion, act of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion amounting to popular uprising, military uprising, insurrection, rebellion, riot if you are acting within the scope of your employment as an Emirates pilot, whether flying or on the ground.
If this passage is included in the policy wording of the PA policy EK gives to its crews then you are covered.
If it were me and I wanted additional cover, I would find a London broker, explain fully the situation, (including company cover and above quoted passage), and let them find you insurance in the London market, where there are several PA specialists. You could start here: https://www.google.com.au/#q=Persona...kers+in+London
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Spare your money. If anything happens to you in countries like Pakistan, Afghanistan, Iraq, even Iran, Yemen and a lot in Africa, especially the Sahel belt, any insurance, and i mean ANY, will back off and refrain from even touching your entitlement with a chopstick.
The officially declared "warzones" and the zones that will arbitrarely and in the aftermath of an event be declared "risk zones" have two completely different maps!
I wouldn't trust any insurance more than EK, and that eans a lot.
The officially declared "warzones" and the zones that will arbitrarely and in the aftermath of an event be declared "risk zones" have two completely different maps!
I wouldn't trust any insurance more than EK, and that eans a lot.
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Spare your money. If anything happens to you in countries like Pakistan, Afghanistan, Iraq, even Iran, Yemen and a lot in Africa, especially the Sahel belt, any insurance, and i mean ANY, will back off and refrain from even touching your entitlement with a chopstick.
The officially declared "warzones" and the zones that will arbitrarely and in the aftermath of an event be declared "risk zones" have two completely different maps!
I wouldn't trust any insurance more than EK, and that eans a lot.
The officially declared "warzones" and the zones that will arbitrarely and in the aftermath of an event be declared "risk zones" have two completely different maps!
I wouldn't trust any insurance more than EK, and that eans a lot.
Just asking.........
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Is that right Glofish? Are you an insurance broker? Thought you were a pilot?
Just asking.........
Just asking.........
But i had asked the tough and right questions to a few brokers, because i was concerned.
Now take a wild guess why i came to the above conclusions .....
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