LOSS OF INCOME
Global Protection for Pilots
Don’t Let Injury and Illness Alter Your Flight Plan
If you couldn’t fly due to an illness or injury, is your income grounded with you? With one in four people facing disability at some point in their career, it’s time to plan for the unexpected.
We have partnered with Clements Worldwide to provide our members with world-class loss of income and disability insurance solutions. We’ve calibrated a comprehensive policy that meets the unique needs of pilots, no matter where you land.
Our exclusive plan comes with all conventional benefits but removes the requirement of loss or suspension of your license or medical certificate. Plus, you can tailor the policy to your needs.
Exclusively for Baymac. Exclusively for Pilots.
Global Protection Exclusively for Pilots
Monthly & Lump Sum Payout Options
No Medical Tests & Underwriting
Pre-Existing Conditions Covered
Benefit & Waiting Period Options
Portability
Group & Individual Policy Options & Rates
Product Highlights
Clements Worldwide®
Baymac®
Pilot
LOSS OF INCOME
PROTECTION PLAN
A global plan, exclusively created for Baymac Members no matter where they live, work, or play.
- Temporary and Permanent Total Disability coverage
- No Medical Tests or underwriting required for eligible pilots
- Broad Coverage - Both injury and illness covered with war and terrorism included
- Pre-existing conditions covered
- TTD pays up to 65% of average gross monthly earnings. PTD provides a lump sum benefit of up to a maximum of USD 250,000
- Choice of waiting period, depending on coverage needs
Conditions and restrictions apply. See policy terms and conditions.
Traditional health insurance doesn’t work for expats, which is why we’ve partnered with Clements to do something different. International coverage and flexible options, all curated for a global lifestyle.
- Global & optional coverage areas
- Coverage options USD 1 M to unlimited
- Discounts for Baymac Members
- Most pre-existing conditions covered
- Flexible payment plans & discounts
- Multiple deductible options
- A la carte supplemental coverage available (dental, vision, and medical evacuation)
- Tailored quote for your specific needs
- Globally applicable including U.S. citizens/residents and their families
Become a
Baymac Member
Global coverage, better rates, and a seamless experience. Baymac Members enjoy life without risk, worry, or constraint.
Why Choose
- Full Service Brokerage with Experience Since 1947
- Individual and Group Solutions
- Lloyd’s of London Coverholder
- Recipient Of The Independent Insurance Agents & Brokers Of America’s Best Practices Award since 2008
- Ability To Provide Solutions In Over 170 Countries
- Fully Customised Solutions
- Dedicated Multilingual Staff
- Preferred Provider Of International Insurance Solutions For Many International Organisations And Expats
Benefits are subject to the Conditions of Coverage.
Global Aspirations Without Limitation
Insuring peace of mind so you can live and operate anywhere in the world
75+ years of excellence
Reputable Underwriter
Lloyd’s of London is the world’s leading marketplace for commercial, corporate and specialty risk solutions. They are made up of more than 50 leading insurance companies, over 380 registered Lloyd’s brokers and a global network of over 4,000 local coverholders, including Clements Worldwide.
Frequently Asked Questions
No. The plan has the advantage of not being a conventional loss of licence. Regardless of the validity or status of your pilot’s licence or medical certificate, provided you are declared totally disabled due to an illness or injury by a registered medical practitioner, the policy will pay the benefit amount on completion of the selected waiting period.
55 years for both temporary total disability (TTD) and permanent total disability (PTD).
US$10,000 per month or up to 65% of your gross monthly income. And up to US$250,000 in the event of a permanent disability.
Pilots up to age 49 – up to 60 months.
Pilots aged 50-54 – up to 36 months.
Pilots aged 55-62 – up to 24 months.
Only conditions in the previous 12 months of policy inception or renewal are not covered.
Pre-Existing Condition means any physical or mental impairment, defect, degenerative process, infirmity, or condition whether diagnosed or not, for which the Insured Person has sought medical advice, diagnosis, treatment or counselling or of which the Insured Person was or should reasonably have been aware of at any time during the 12 consecutive months preceding the effective date of this Insurance.
This policy is not a life insurance policy and therefore no benefit will be paid to beneficiaries. Life insurance benefits are available to purchase separately. Click HERE to learn more.
Solutions for the Unexpected
Designed with pilots in mind, Baymac has partnered with the best-in-class loss of income and disability insurance provider to create an exclusive loss of income product to suit the unique needs of pilots. Register for free to explore all our insurance plans and membership benefits.
