“YOU HAVE CONTROL”

A serious illness or injury may threaten your livelihood, but you don’t have to lose your income or your career. Protect yourself with TopCover™ Designed by members, for members and serving the AOA since 1999.

"I am so thankful that TopCover was offered with my AOA membership. I hate to think what I would have done without it. Thank you from the bottom of my heart to the AOA and the Starr TopCover teams."

Grace May - AOA Member

TopCover Features

Your Loss of Licence benefit under the company scheme is only paid if you are terminated. TopCover is a unique income protection plan that pays a monthly benefit when you are unable to fly.

AOA Membership Benefit

TopCover is a Benefit of Membership of the HKOAOA. It was designed by Members, for Members in 1999 and is reserved exclusively for HKAOA Members.

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Income Protection

When you are medically grounded and can't fly your salary may be reduced or stopped. A stable monthly income from TopCover™ allows you additional time to deal with your medical problem and potentially save your career.

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Personal Accident

Accidents happen. When you are 'down route' and off duty your employer may not provide cover. TopCover™ provides worldwide, 24/7 protection for you and your dependents of up to US$500,000.

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Critical Illness

Any medical condition that prevents you flying is a 'critical' illness for a pilot. Only TopCover™ offers this unique cover, along with an immediate cash lump sum upon diagnosis of any of 11 major illnesses.

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Travel Insurance

When you are 'down route' and off duty, you are not covered for accidents by your employer's insurance. Make sure you and your family are always covered 24/7 worldwide with Starr's TraveLead annual policy. Unlimited evacuation cover and an AOA 20% discount...

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