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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


Group & Individual Policy Options & Rates

Product Highlights

Clements Worldwide®


A global plan, exclusively created for Baymac Members no matter where they live, work, or play.

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.

Become a
Baymac Member

Global coverage, better rates, and a seamless experience. Baymac Members enjoy life without risk, worry, or constraint.

Why Choose

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.