Go Back  PPRuNe Forums > PPRuNe Worldwide > Middle East
Reload this Page >

Life Insurance for flying into War Zones

Middle East Many expats still flying in Knoteetingham. Regional issues can be discussed here.

Life Insurance for flying into War Zones

Old 5th Jun 2016, 06:58
  #1 (permalink)  
Thread Starter
 
Join Date: Nov 2003
Location: Sydney
Posts: 17
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...
czechmate is offline  
Old 5th Jun 2016, 08:03
  #2 (permalink)  
 
Join Date: Jul 2000
Location: Dubai - sand land.
Age: 52
Posts: 2,790
Daily 777 into Kabul, Basra and Baghdad as of December...
Oh the poor dears
White Knight is offline  
Old 5th Jun 2016, 08:39
  #3 (permalink)  
 
Join Date: Feb 2016
Location: Austria
Posts: 348
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.
Talparc is offline  
Old 5th Jun 2016, 11:19
  #4 (permalink)  
 
Join Date: Jun 2006
Location: UK
Posts: 656
Oh the poor dears
WK, if I recall correctly, this question was asked numerous times when the 330/340 was etc doing these trips. Perhaps from your lofty position you would care to enlighten us unelightened brethren of your knowledge? 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?
Monarch Man is offline  
Old 5th Jun 2016, 12:49
  #5 (permalink)  
 
Join Date: Apr 2001
Location: overthere
Posts: 2,990
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.
donpizmeov is offline  
Old 5th Jun 2016, 13:18
  #6 (permalink)  
 
Join Date: Jul 2000
Location: Dubai - sand land.
Age: 52
Posts: 2,790
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?
MM. I have NO idea! Neither do I care now, nor did I when I flew the Baghdad or Basra flights... On the old fleet of course... Hence the sarcasm!

Talparc got it right
White Knight is offline  
Old 5th Jun 2016, 20:26
  #7 (permalink)  
 
Join Date: Feb 2004
Location: Hades.
Posts: 752
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
helen-damnation is offline  
Old 6th Jun 2016, 06:17
  #8 (permalink)  
 
Join Date: Jun 2007
Location: Europe
Posts: 43
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!!)

Last edited by TCU LUX; 6th Jun 2016 at 10:30. Reason: Spelling mistakes
TCU LUX is offline  
Old 6th Jun 2016, 07:11
  #9 (permalink)  
 
Join Date: Nov 2010
Location: I wish I knew
Posts: 250
Hi Lux, is very very expensive to insure "something" that visits a war zone, ver strange that this issue been raised only now.
South Prince is offline  
Old 6th Jun 2016, 07:51
  #10 (permalink)  
 
Join Date: Feb 2016
Location: Austria
Posts: 348
guys stay away from those places, you wana risk your life for an inhuman company?
Talparc is offline  
Old 6th Jun 2016, 11:48
  #11 (permalink)  
 
Join Date: Apr 2001
Location: overthere
Posts: 2,990
Check the insurance stuff in the docs folder.
donpizmeov is offline  
Old 14th Jun 2016, 05:29
  #12 (permalink)  
 
Join Date: Feb 2004
Location: Hades.
Posts: 752
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.
helen-damnation is offline  
Old 14th Jun 2016, 05:49
  #13 (permalink)  
 
Join Date: Jan 2004
Location: here and there, mostly there...
Posts: 330
Kabul

Press #2, I feel sorry for the guys on reserve. That might be me at some point.
natops is offline  
Old 19th Jun 2016, 11:09
  #14 (permalink)  
 
Join Date: May 2015
Location: DXB
Posts: 45
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.
The.Humble.Guy is offline  
Old 20th Jun 2016, 23:22
  #15 (permalink)  
Nemo Me Impune Lacessit
 
Join Date: Jun 2004
Location: Derbyshire, England.
Posts: 4,083
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
parabellum is offline  
Old 21st Jun 2016, 08:49
  #16 (permalink)  
 
Join Date: Mar 2003
Location: uae
Posts: 2,734
Where can you find out the active war zones where you are questioning the coverage?
fatbus is offline  
Old 22nd Jun 2016, 04:29
  #17 (permalink)  
 
Join Date: Sep 2011
Location: earth
Posts: 1,094
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.
glofish is offline  
Old 22nd Jun 2016, 09:48
  #18 (permalink)  
 
Join Date: Jul 2000
Location: Dubai - sand land.
Age: 52
Posts: 2,790
Originally Posted by glofish View Post
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.
Is that right Glofish? Are you an insurance broker? Thought you were a pilot?

Just asking.........
White Knight is offline  
Old 22nd Jun 2016, 12:22
  #19 (permalink)  
 
Join Date: Sep 2011
Location: earth
Posts: 1,094
Is that right Glofish? Are you an insurance broker? Thought you were a pilot?
Just asking.........
Yeah WK, you're asking me. Spectacularly easy on this site, as usual.

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 .....
glofish is offline  
Old 23rd Jun 2016, 07:00
  #20 (permalink)  
 
Join Date: Mar 2016
Location: Here
Posts: 57
Originally Posted by White Knight View Post
Is that right Glofish? Are you an insurance broker? Thought you were a pilot?

Just asking.........
Don't you know people on social media are experts on everything and know the opinion of every single person involved in that industry.
Flyingishere is offline  

Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.