Cover Details
Download Policy Details and Application below
Cover Highlights
Loss of Licence - Lump Sum in the event of a permanent / long term foreseeable future loss of medical certificate for illness and accident - up to €500,000 Pilots and €155,000 trainees
Temporary Benefits up to 3% of sum insured, n/e 75% of pre disability income. Options 1.5% or Nil
Accidental Death 25% of sum insured, occupational risk only
Personal Accident 25% of sum insured, occupational risk only
Medical Expenses €20,000, regain licence related only €100 maximum per session.
Increase cover by 10% annually with no declaration
Reduction in premium for exclusion of Mental and Nervous disorders
Apply up to Age 54 declaration only
FAQ's
How to Apply
1. Please read the summary of cover. Please direct any queries to amskinsale@gmail.com
2. A full copy of the policy wording is available on request.
3. Now decide on option 1 or 2. (see Rate Options), and either temporary benefits 3%, 1.5% or Nil.
4. Now decide on the sum to be insured, subject to a maximum of EUR500,000 any one person but subject to the following limitations: a. Up to and including age 59 4 times annual earnings from normal profession (Includes all flight related pay)
b. 60 and above 1 times annual earnings from normal profession (Includes all flight related pay)
5. To calculate the initial premium, note the rate per cent for your age at date of application. Multiply the chosen sum insured (no 3 above), by the rate per cent. This is the annual premium.
6. Aer Lingus employees premium by payroll
7. All other Pilots Monthly by direct debit,
8. It is your responsibility to maintain the premiums due. If you change your circumstances, please advise AMS in case any alterations are required.
9. Premiums will increase in age bands shown on the anniversary of the scheme 1st January after attainment of the age in the next bracket.
10. If you are an existing insured person BEFORE AGE 54 and wish to maintain sickness cover beyond age 54 you must advise your Intermediary on or before the anniversary date of the policy period during which you attain age 55 years AND COMPLETE OPTIONAL COVER FORM.
Example - Age 35 years / Chosen sum insured €250,000 (N/E 4x salary at inception, (no4 above). Rate in option 1 - 0.403% x €250,000.00 = €1007.50 annually. Fortnightly or Monthly, (See Below)
Aer Lingus - Premium paid monthly by payroll deductions,
Next step – complete the declaration only and submit for confirmation of cover to AMS, details below.
AMS will advise payroll of the deductions. Premiums increase automatically according to the the age banded rates.
Non Aer Lingus - Direct Debit
Next step – complete the declaration and the Direct Debit Mandate and submit for confirmation of cover to AMS, details below.
Intermediary- Aviation and Marine Services , Send Email to : amskinsale@gmail.com