LOSS OF INCOME
Protect Your Income. Stay in Control.
When you can’t fly, you shouldn’t have to worry about your financial security. Our exclusive Loss of Income Plan ensures that you stay protected, giving you peace of mind in uncertain times.
Why Pilots Choose Baymac’s Loss of Income Plan
Up to 24 Months of Income Protection
Coverage Up to $900,000*
$15,000 per month for up to 60 months.
*cover subject to age
Tailored for Pilots Globally
Fast & Easy Enrollment
Temporary and Permanent Disability (TTD and PTD) Options available
Get Coverage in 3 Simple Steps
In 3 simple steps you get peace of mind. Focus on flying, we’ve got your back.
Protect Your Income Today
No Hassle. Just Security.
95%
Satisfaction
Members trust Baymac for reliable services.
Surpassing $15M in
Protection
Comprehensive income protection for pilots.
Trusted by 9,000+
Members
Discover the peace of mind with Baymac’s products and services.
Efficient
Claims
With over $30M in claims settled, we stand by you.
Quick Support
Response
Get help from our expert team in one business day.
Why Choose
- 95% Satisfaction – Members trust Baymac for reliable services.
- In-House Technical Expertise Combined With A Global Reach
- Globally Known As An Insurance Provider Who Creates Unique And Niche Programs For The Globally Mobile Community
- Innovative Technology Platform To Expedite Transactions And Improve Customer Experience
- Superior Customer Service No Matter Where In The World You Reside
- Global Strategic Partnerships, via Trawick International, with Major International Insurance Carriers Worldwide
Benefits are subject to the Conditions of Coverage.
Pilots Trust Baymac. See Why.
The Baymac Loss of Income plan gave me financial stability when I couldn’t fly. Highly recommended!
Easy registration and total peace of mind.
You never think it’ll happen to you, until it does. This coverage gave me the confidence to focus on recovery, not my finances.
It’s not just about me; it’s about protecting my family if something unexpected happens. This coverage brings real peace of mind.
Product Highlights
Lloyd’s of London
Baymac®
Pilot
LOSS OF INCOME
PROTECTION PLAN
A global plan, exclusively created for Baymac Members no matter where they live, work, or play.
- Temporary or 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 500,000
- 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.
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.
Age 62 for Temporary Total Disability (TTD) or 59 years for permanent total disability (PTD).
US$15,000 per month or up to 65% of your gross monthly income. Up to US$500,000 in the event of a Permanent Disability.
Pilots up to age 49 – up to 60 months.
Pilots aged 50-54 – up to 48 months.
Pilots aged 55-59 – up to 36 months.
Pilots aged 60-62 – 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.
Why Become a Baymac Member
When your ability to fly is grounded, your income shouldn’t be. Baymac membership gives you access to exclusive income protection plans built for the realities of a pilot’s career. With added benefits from global partners and peace of mind for your family, becoming a member is more than protection, it’s preparation for the unexpected.
Solutions for the Unexpected
Designed with pilots in mind, Baymac has partnered with Tuman Global Solutions 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.
