Loss of License Cover

Corporate and commercial pilots have always had a tough time securing insurance should they lose their license on grounds of ill health.

Since the arrival of Covid -19, insurers that were previously willing to provide such insurance have since retreated and are not currently offering.

The situation may well change again in future.

Please drop a line to Ms Romi Gill expressing your interest in this cover and we will be quick to advise just as soon as we see insurers again willing to offer cover.


Tel +852 2530 2530

Clements details

GBG has developed a specialized underwriting structure that is required to meet the needs of pilots needing loss of license cover. For this purpose it uses GBG Insurance Limited (rated B++ by A.M. Best Company).

Loss of License provides vital benefits to Pilots who have become disabled due to illness or injury.

Key Benefits

  • Annual plan that follows pilots worldwide.
  • Maximum benefit amount of $500,000, which is paid as a lump sum for Permanent Total Disability (PTD)
  • Covers pilots of commercial airliners and business jets, plus other types of business aircraft including twinjets, corporate helicopters and air taxis.
  • Flexibility of covering both temporary and permanent disabilities.
  • For Pilots and First Officers that hold a Commercial Pilots License or an Air Transport License.
  • Sickness and/or Bodily injury Benefits: Eligibility up to age 60.
  • Upon attainment of age 60, benefits for "accident only" coverage continue up to the sooner of retirement age or age 65.
A Permanent Total Disablement by Bodily Injury or Sickness 100% of the Sum Insured
B Permanent Total Disablement by Classified Illness or Psychological Illness 25% of the Sum Insured
C Temporary Total Disablement by Bodily Injury or Sickness 2% of the Sum Insured per month*
D Temporary Total Disablement by Classified Illness or Psychological Illness 0.5% of the Sum Insured per month*
*TTD monthly payment not to exceed 75% of monthly salary. Payments made on Temporary Total Disablement will erode the Permanent Total Disablement sum insured.
One payment of 100% of the Sum Insured shall exhaust the Sum Insured per Insured Person.
In the event the Insured Person holds more than one License, all Licenses must be lost for a claim to be considered

GBG Loss of License Definitions

Permanent Total Disablement: means the Insured Person is totally unable to perform the essential duties of their own previous occupation as a license holder, and which lasts 180 days and at the end of that period is beyond hope of improvement.

Temporary Total Disability: means the Insured Person being entirely and temporarily prevented from acting in the capacity for which he or she holds a License due to:

  • Bodily Injury,
  • General Illness,
  • Classified Illness or
  • Psychological Illness.

A Classified Illness: is an illness which is directly or indirectly caused by alcohol, drugs or narcotics.

A Psychological Illness: is defined as when an Insured Person suffering directly or indirectly from stress, anxiety, depression, mental anguish, neurosis or the like and which is diagnosed by a medically or other appropriately qualified practitioner. Such an illness shall imply severe and lasting impairment in personal performance and capable of being diagnosed under the internationally recognised classification system DMS-IV-TR (the Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition, 2000).


  1. Travel to any war zones not declared to, and accepted by underwriters;
  2. War (whether declared or not), terrorism, hostilities or any act of war or civil war; Nuclear, Chemical and Biological (NCB) weapons, or warfare; Nuclear reaction, nuclear radiation or radioactive contamination;
  3. The Insured Person engaging in or taking part in armed forces service or operations;
  4. The Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save human life);
  5. The Insured Person's own criminal act;
  6. The Insured Person’s suicide or attempted suicide or intentional self-injury or the Insured Person being in a state of insanity;
  7. Regularly and/or extensively practiced professional or hazardous sports or pursuits, unless agreed by underwriters;
  8. Loss directly or indirectly by :
    • Kidnap;
    • Venereal disease or Acquired Immune Deficiency Syndrome (AIDS),
    • AIDS Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named.
  9. CONDITIONS: All terms and conditions are subject to final contract wording and cover note, which shall prevail over any previous documents.
  10. ACTIVELY AT WORK CONDITION: The Insured Person must be actively at work and mentally and physically capable of conducting the regular duties of their employment, at the inception date of this insurance, provided not having been absent for more than 10 consecutive days in the preceding 12 months.

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong