Insurance for Members

TopCover was  designed  specifically as a benefit of membership for the HKAOA in 1999. The employee benefits provided by the company, such as Loss of Licence, Death in service, accident cover and medical benefits, do not provide comprehensive protection in every situation and in particular when a Member is off work for a long time due to illness or injury.

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, and the company compensation is limited to a maximum of only 2 years of basic salary .

The AOA TopCover Income Protection plan is designed to allow Members to protect their income for sufficient time to enable a medical situation to be resolved. This may mean that you able to keep your flying career. Many Members have now returned to flying, in seniority, after prolonged periods of sick leave.

TopCover also provides Personal Accident cover and Critical Illness protection.

TopCover for pilots employed by the company is reserved exclusively for Members of the AOA Trade Unions.

Your Choice of Benefits

Our TopCover policy allows you to select benefits from three integrated sections of cover:

Income Protection:     Up to US$ 15,000 per month ( including the AOA Group Cover)
Personal Accident:      Up to US$ 500,000 for the Member and Spouse. Dependent children may also be insured.
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.

The HKAOA Group policy provides every Member with a basic Group Income Protection cover of US$2,000 per month.  Members can apply to increase this amount through the HKAOA TopCover plan.