HKAOA Topcover

Designed for members

TopCover was designed specifically as a benefit of membership for the HKAOA in 1999 and is reserved exclusively for Members.

The company-provided CoS benefits do not provide comprehensive protection in every situation. If you are grounded due to illness or injury, your paid sick leave benefits can be exhausted quickly.

Your Loss of Licence benefit under the company scheme is only paid if you are terminated. The loss of your career, seniority and future earnings can be a devastating blow.

TopCover is a unique income protection plan that pays a monthly benefit when you are unable to fly. Having a regular income can provide you with sufficient time to allow a medical problem to be resolved, enabling you to keep your flying career. Many Members have returned to flying, in seniority, after prolonged periods of sick leave.

If you are terminated by Cathay Pacific for medical reasons but later recover your medical and return to flying in another airline, your TopCover benefits can still continue to support you. This is real Income Protection for Pilots.

"You have Control"

The HKAOA Group policy provides every Member with a basic Group Income Protection cover of US$2,500 per month and gives you access to the TopCover plan where you can increase your benefits to protect yourself and your family.

There are three integrated sections of cover:

  • Income Protection: Up to US$ 15,000 per month
  • Personal Accident: Up to US$ 500,000 for the Member and Spouse. Dependent children may also be insured. All AOA members aged over 60 are automatically provided with US$250,000 of cover as a benefit pf membership.
  • Critical Illness: Up to US$ 150,000 for the Member and Spouse

Each section of the policy provides worldwide cover, 24 hours a day. The Income Protection and Critical Illness cover is specifically ‘own occupation’ and has been carefully designed for the unique needs of airline pilots.

Benefits of Membership

Members benefit from the collective strength of the Association and with vital assistance when you need it most – if you need to make a claim.

  • CLAIMS: Hundreds of members have been paid millions of dollars.
  • STABILITY: Our comprehensive plan has remained affordable despite hundreds of claims.
  • STRENGTH: Our policy is issued by an ‘A’ rated global insurer
  • SECURITY: TopCover is fully regulated, compliant and issued directly to us in Hong Kong