TopCover is designed to protect your flying career and to provide long-term financial security for you and your family. Each section of cover is designed to protect against the different challenges that you may face following a serious illness or injury that prevents you from flying.
Starr International Insurance (Asia) Limited is rated A by AM Best.
Income Protection benefit : up to a maximum of US $15,000 per month
Personal Accident benefit : up to US$500,000 for Member and spouse
Critical Illness benefit: up to US $150,000 for you and your dependents
Your premiums are paid directly to Starr in Hong Kong, and are protected under Hong Kong law. The policy offers full dispute resolution rights to policyholders.
If you have a medical history or conditions that may increase the likelihood of you claiming in the future, the insurer may restrict your cover and / or apply exclusions.
Once your cover is accepted, it will not be restricted in the future if your medical condition changes, provided that you continue to renew your policy.
If you have other monthly income protection schemes that will pay you for the same cause of claim, then your benefits may be restricted to a total maximum of 75% of your gross income or $15,000 per month, whichever is the greater.
You may continue with your Personal Accident insurance whilst receiving Income Protection benefit, and premiums payment will be due at renewal as normal.
If you now declare a new medical condition that the insurer decides to exclude, it will not affect any existing cover that you already have, provided you keep your cover in place.
If you are moving to an airline that does not have TopCover, your cover will end 30 days after you leave your current employer. You may be eligible for a refund of some of your premium in accordance with the policy terms.
If you are planning to leave Hong Kong or your current employment please contact Starr for assitance.
There are very few exclusions to the personal accident cover. The main exclusion is recreational and professional flying – including when on duty for your employer, as that is invariably insured by your employers’ policy.
This benefit was designed to supplement Income Protection :
for pilots who are within 5 years of the maximum age limit
for pilots who suffer from a very serious or life-threatening illness
The immediate access to a cash lump sum can also assist with additional medical costs. This is a valuable cover and worthy of close consideration.
Income Protection: to age 60
Critical Illness: to age 60
Personal Accident: to age 65