health insurance
Exclusive Health Coverage for Pilots & Their Families
Access world-class healthcare anywhere in the world, designed specifically for pilots and their loved ones.
Comprehensive Health Benefits Designed for Your Lifestyle
Up to 24 Months of Income Protection
Coverage Up to $250,000
Tailored for Pilots Globally
Fast & Easy Enrollment
TTD or PTD Options available
Your Health, Your Peace of Mind
Get Covered in Minutes. No Hidden Fees.
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 & Families Trust Baymac and VUMI Health. Here’s Why.
Having a health plan that understands a pilot’s needs is a game changer.
Seamless access to healthcare worldwide – exactly what I needed.
As an international pilot, finding health coverage that actually travels with me was nearly impossible, until I found Baymac and VUMI. Now I feel secure no matter where I am in the world.
The enrollment was seamless, and the team walked me through every step. I felt more supported.
Why Become a Baymac Member
Healthcare shouldn’t stop when you cross borders. As a Baymac member, you unlock access to international health coverage tailored for pilots and their families, plus access to a growing suite of products and services from our trusted global partners. Live, work, and travel with confidence knowing your health is protected, anywhere, anytime.
Become a
Baymac Member
Global coverage, better rates, and a seamless experience. Baymac Members enjoy life without risk, worry, or constraint.
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
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.
Solutions for the Unexpected
Designed with pilots in mind, Baymac has partnered with VUMI to deliver exclusive global health coverage tailored to the unique needs of pilots and their families. From emergency care to routine checkups at home or abroad, you’re covered. Register for free to explore all our health plans and membership benefits.
