Financial Protection Against Accident or Illness
Fitness to Fly cover provides OWN OCCUPATION cover against any accident or illness which prevents the performance of the essential duties of your normal occupation as an airline pilot.
The plan pays Temporary Loss of Income benefits of your choice up to a maximum of 75% of your annual earnings, PLUS a Permanent Total Disability lump sum of your choice up to a maximum amount equivalent to four years annual earnings, to a maximum $500,000 You may select an annual benefit of your choice, up to 75% of your gross salary*, payable for up to 24 months of ongoing illness or injury, which then gives rise to a lump sum benefit of your choice 1x, 2x, 3x or 4x salary, where there is no prospect of sufficient improvement in your condition to return to your normal occupation as a pilot.
Fitness to Fly also offers the highest sums insured available in the market.
Key features of Fitness to Fly include:
- Largest benefit option for higher earners.
- Lowest long term cost for all ages!
- Monthly benefit up to maximum 15,000 or 75% gross salary* as a maximum.
- Monthly benefits commence after 90 days.
- Monthly benefit payable monthly for up to 24 months.
- Permanent Total Disability Lump Sum 1x, 2x, 3x or 4x salary.
- Lump sum is paid in addition to annual benefits.
- Accident and illness cover to maximum age 65!
- Enrollment is open to new applications at GBE underwriters discretion.
- GBE underwriters reserve the right to restrict future new enrollments subject to demand.
*Maximum benefit from all sources, social welfare benefit deducted, if applicable.
Standard Schedule Of Benefits – Fitness to Fly
| Benefit | Plan | Benefit Maximum |
| A | Temporary Total Disablement by Bodily Injury or Illness | Up to 75% of Salary |
| B | Temporary Total Disablement by Classified Illness or Psychological Illness | Nil |
| C | Permanent Total Disablement by Bodily Injury or Sickness | 1x, 2x, 3x or 4x Salary |
| D | Permanent Total Disablement by Classified Illness or Psychological Illness | Nil |
Key Policy Conditions And Exclusions:
Disability Definition: OWN OCCUPATION – any illness or injury which prevents the performance of the essential duties of your normal occupation, Airline Pilot.
Sum Insured: Maximum Total Temporary Disablement 75% of salary, subject to a total maximum of 15,000 per month benefit, payable for 24 months followed by a Permanent Total Disablement (PTD) Lump Sum of your choice, 1x, 2x, 3x or 4x salary, payable where there is no prospect of an improvement in your medical condition to perform the essential duties of your normal occupation as an airline pilot.
Pre-Existing Condition Exclusion: Any claim arising out of or attributable to any disability, condition or illness for which an Insured Person has received or required medical or psychiatric treatment or counselling in the 24 months prior to the effective date of an Insured Person’s insurance, until a period of 24 months has elapsed during which time an Insured Person has neither received nor required any medical or psychiatric treatment or counseling for the said disability, condition or illness.
Exclusions: War, Terrorism or warlike action (whether declared or not), civil war, rebellion, insurrection or military or usurped power; Travel to any war zones not declared to, and accepted by underwriters; Nuclear, Chemical and Biological weapons or warfare; Partial disability; Bonus or commission; Loss directly or indirectly by Kidnap & Ransom; Attempted suicide or self-inflicted injury; Misuse of drugs or alcohol; HIV; Loss of Occupational Licence; Failure to pass a periodical aviation medical for anything other than bodily injury or sickness; Mental or nervous disorders; Workers Compensation; Maternity unless medical complications arise; Dependents; Regularly or extensively practiced hazardous sports including but not limited to: Boxing, Climbing/Mountaineering requiring ropes or guides or free climbing; All professional sports; Hang Gliding, Delta wing gliding and paragliding; Motorized racing of any form; Deep sea diving; Parachuting; Bungee jumping; Show jumping, steeple chasing, eventing or flat horse racing.
Fitness to Fly: does not cover mental or nervous disorders or illness directly or indirectly related to alcohol, drugs or narcotics.
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Divine Aviation Consulting (DAC), Thomas L. Divine, and any Staff members are not trained nor registered insurance agents or financial advisors. We recommend you consult with your chosen financial adviser regarding your appropriate insurance benefit needs, and for all financial investments. All DAC recommendations are based on past business experience with these associates, and all have shown like-minded, dependable practices, offered for your consideration. Our best wishes for your health and financial well-being.
