Personal accident insurance
Anyone who uses an aircraft legitimately can take out seat accident insurance on the basis of an amount of cover that must be agreed in advance for disability or death. The person can be a pilot, crew member, flight instructor, passenger or occupant. Besides the opportunity to insure all of the seats in an aircraft, only one policy can be taken out for the pilots’ seats or passengers’ seats (i.e. a system based on seats) or for named people.
For pilots and crew members, this insurance is the perfect addition to private 24-hour accident insurance because that insurance largely excludes accidents which occur while the policyholder is actively flying or working.
Did you know:
When a claim is filed, the claims of passengers and occupants are examined and potentially settled under the passenger liability insurance.
Accident insurance for passengers provides supplementary cover alongside and in addition to these claims.
Pilots do not normally have claims based on liability and must take their own precautions. Beyond any services such as those provided by the professional association, it is advisable to take out accident insurance which covers disability and death in connection with the active flight risk. Additional cover can also be taken out, such as for recovery costs, daily benefits or convalescence benefits, as can an expansion to 24-hour cover (to also apply outside of the active flight risk).
