PilotCare

Specialist international private medical insurance for commercial pilots. 

Healthcare at new heights

Here at HCI Group our speciality is providing international healthcare for people living abroad or at sea. We also cover those who work in the sky! Our flexible pilot insurance is designed for Captains, First Officers and Cabin Crew staff who work for commercial airlines.

Our PilotCare pilot insurance plan is fully flexible and can be tailored to the healthcare needs of each individual.  Key benefits can be capped at four different levels and there are optional additional benefits of routine dental cover, outpatient cover and assistance & evacuation with different levels of cover for each of these options. We have deductibles available too if lower premiums are a priority. With our extensive private hospital network across the globe,  choosing PilotCare Pilot Insurance allows pilots and cabin crew to fly with confidence.

PilotCare Modules

Cleared for Coverage. Health Insurance Tailored for Pilots

What are the Pilot Insurance core benefits?

Every Pilot Insurance policy has core benefits. We cover 100% of costs up to the selected core benefit cap. These core benefits are:
  • Inpatient treatment
  • Cancer cover
  • Emergency dental cover

What is the Core Benefits Cap?

You can choose to cap your core benefits at either: $250k | $1m | $2m | $3m

What are the deductible options?

The deductibles available on our core benefits are: $0 | $500 | $1k | $5k |$10k

What inpatient treatment is covered?

  • Accommodation, operating theatre, and recovery room costs
  • Congenital defects
  • Nursing
  • Prescription drugs and medicines
  • Physician, specialist, surgeon, and anaesthetist fees
  • Medical second opinion
  • Hospital cash benefit
  • Eye surgery
  • Organ transplant
  • Parent accommodation
  • Day-patient treatment
  • Hospice or terminal care
  • Elective home country treatment
  • Medical treatment outside your area of cover
  • Road ambulance transport

What cancer treatment is covered?

We will pay for cancer treatment from the date an insured person is diagnosed as suffering from cancer. We will pay for:
  • Chemotherapy
  • Radiotherapy
  • Oncology
  • Diagnostic tests
  • Prescription Drugs and Medicines These are covered whether inpatient, day patient or outpatient.

What emergency dental treatment is covered?

We will pay for necessary treatment as a result of an extra-oral impact, if treatment is received within 48 hours from the date of the Bodily Injury or Accident, and is for the immediate relief of pain.

What are the annual limits?

  • Accommodation, operating theatre, and recovery room costs | 100% of costs up to the selected core benefit cap
  • Congenital Defects | 100% of costs up to the selected core benefit cap
  • Nursing | 100% of costs up to the selected core benefit cap
  • Prescription drugs and medicines | 100% of costs up to the selected core benefit cap
  • Physician, specialist, surgeon, and anaesthetist fees | 100% of costs up to the selected core benefit cap
  • Medical second opinion | 100% of costs up to your selected core benefit cap
  • Hospital Cash Benefit | $250 per day up to 45 days, and subject to your selected core benefit cap
  • Eye surgery | 100% of costs up to your selected core benefit cap
  • Organ transplant | 100% up to a lifetime limit of $500,000, and subject to the selected core benefit cap
  • Parent accommodation | $150 per day up to 45 days, and subject to the selected core benefit cap
  • Day-patient treatment | 100% of costs up to the selected core benefit cap
  • Hospice or terminal care | 100% of costs up to a lifetime limit of $200,000, and subject to the selected core benefit cap
  • Elective Home Country Treatment | 100% of costs up to the selected core benefit cap
  • Medical treatment outside your area of cover | Up to 60 days per period of insurance, and subject to the selected core benefit cap
  • Road ambulance transport | 100% of costs up to the selected core benefit cap
  • Cancer treatment | 100% of costs up to the selected core benefit cap
  • Treatment for dental emergency | 100% of costs up to $10,000

What is the outpatient module?

This is an optional additional benefit that can be added to your policy. You can choose to apply a deductible to your outpatient treatment to reduce the premium.

What does the outpatient module cover?

  • Alternative medicine | From a qualified chiropractor, homeopath, osteopath, acupuncturist or Chinese medicine practitioner
  • Annual health checks | Tests undertaken without any clinical symptoms being present. Vital signs (blood pressure, cholesterol, pulse), cardiovascular exam, neurological exam, cancer screening
  • Diagnostics | X-rays, laboratory tests and other diagnostic tests
  • Home nursing | After eligible in-patient treatment and subject to conditions*
  • Physician and paramedic fees | Consultations with a medical practitioner, Physician, or specialist
  • Physiotherapy | Performed by a qualified physiotherapist, when such treatment has been recommended by a physician. The benefit is limited to 12 sessions per condition
  • Prescribed medical aids | Medically necessary prosthetic appliances prescribed by a physician or surgeon including orthopaedic braces, hearing aids, crutches, wheelchairs and artificial devices replacing body parts
  • Prescription drugs and medicines | Medication prescribed by a Physician and which would not be available without a prescription. Only a 60 day supply of a prescription may be filled at any one time
  • Psychiatric, drug and alcohol abuse | Inpatient or outpatient treatment in relation to psychiatric, mental and nervous disorders, alcoholism, or drug abuse detoxification including speech therapy**
  • Rehabilitation following in-patient treatment | Physical rehabilitation in a rehabilitation centre on the condition that the rehabilitation immediately follows inpatient treatment covered by this policy
  • Vaccinations | Necessarily prescribed by a physician
  • Wellbeing tests | Routine gynaecological tests, mammograms, and prostate exams Well-child care - general health checks where symptoms are not present for children up to the age of 7 years

What are the annual limits?

  • Alternative medicine | 100% up to $400, and subject to the relevant selected optional additional benefit cap
  • Physician and paramedic fees | 100% of costs up to the relevant selected optional additional benefit cap
  • Diagnostics | 100% of costs up to the relevant selected optional additional benefit cap
  • Physiotherapy | 100% up to 12 sessions, up to a value of $1,000, and subject to the relevant selected optional additional benefit cap
  • Prescription drugs and medicines | 100% up to $1,000, and subject to the relevant selected optional additional benefit cap
  • Annual Health Checks | 100% up to $1,500, and subject to the relevant selected optional additional benefit cap (A 6 month waiting period applies to this benefit, if selected, from the commencement date, or from the renewal date if out-patient cover is added at that stage; cover must be continuous during this waiting period)
  • Vaccinations | 100%, up to the relevant selected optional additional benefit cap
  • Wellbeing tests | 100% up to $450, and subject to the relevant selected optional additional benefit cap
  • Home nursing | 100% up to 60 days, and subject to the relevant selected optional additional benefit cap
  • Prescribed medical aids | 100% up to a lifetime limit of $6,000, and subject to the optional additional benefit cap
  • Psychiatric, drug and alcohol abuse | 100% up to a lifetime limit of $5,000, and subject to the relevant selected optional additional benefit cap
  • Rehabilitation following inpatient treatment | 100% up to 60 days, and subject to the relevant selected optional additional benefit cap
  • Well-child care | 100% up to $1,000, and subject to the relevant selected optional additional benefit cap

What are the deductible options?

The deductibles available on the Pilot Insurance outpatient benefits are: $0 | $100 | $300 | $500

What is the Dental module?

This is an optional additional benefit that can be added to your policy. Please note your deductible does not apply to this benefit.

What does the dental module cover?

  • Routine dental treatment | Check-ups, X-rays, scale and polishing, fillings, and extractions (including wisdom teeth)
  • Other dental treatment | The services of a registered and currently licenced dentist for the repair, replacement or reinstatement of fixed bridge work, partial and full removal dentures, crowns, inlays, onlays, gold fillings (but only when the tooth / teeth in question cannot be restored with amalgam, silicate acrylic or plastic) and Implants
  • Children's orthodontic treatment | 100% of orthodontic treatment for a child up to the age of 18

What is the annual limit?

  • Routine dental treatment | 100% of costs up to your relevant selected Optional Additional Benefit Cap
  • Children's orthodontic treatment | 100% of costs up to a lifetime limit of $2,000, and subject to your selected Core Benefit Cap shown on your Certificate of Insurance

Waiting period

A 6 month waiting period applies to this benefit, if selected, from the commencement date, or from the renewal date if routine dental cover is added at that stage; cover must be continuous during this waiting period.
   

What is the Assistance and Evacuation module?

This is an optional additional benefit that can be added to your policy. Please note your deductible does not apply to this benefit.

What does this module cover?

  • Emergency medical transfer or evacuation
  • Accompanying person’s travel expenses
  • Compassionate travel and accommodation expenses
  • Repatriation of mortal remains

What are the annual limits?

  • Emergency medical transfer or evacuation | 100% of costs up to the selected Core Benefit Cap shown on Your Certificate of Insurance. We will cover costs of 3 star hotel accommodation up to a maximum of 7 days, comprising of a private room with en suite facilities. We do not cover costs related to room upgrades, communication costs, food and drink.
  • Accompanying person’s travel expenses | 100% of costs up to $5,000, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance
  • Compassionate travel and accommodation expenses | 100% up to $5,000, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance.
  • Repatriation of mortal remains | 100% of costs up to Your selected Core Benefit Cap shown on Your Certificate of Insurance
   

What is the maternity module?

This is an optional additional benefit available on our group schemes. Your deductible does not apply to this benefit.

What does the maternity module cover?

  • Maternity - Ante-natal care. Hospital charges, obstetricians' and midwives' fees for pregnancy and childbirth including elective caesarean section. Post-natal care required by the mother immediately following normal childbirth.
  • Complications of pregnancy and complications of childbirth - medically necessary treatment as a direct result of complications of pregnancy and complications of childbirth.
  • New-born care including premature new-borns - Where the new-born is suffering from a medical condition, this will be covered under this benefit up to a maximum of 30 days after birth; thereafter the new-born will be an independent insured person and the cover will be subject to policy terms.

What are the annual limits?

  • Maternity - 100% of costs up to your relevant selected Optional Additional Benefit Cap. A 12 month waiting period applies to this benefit, if selected, from the commencement date, or from the renewal date if maternity cover is added at that stage; cover must be continuous during this waiting period.
  • Complications of pregnancy and complications of childbirth - 100% of costs up to $50,000 plus Your relevant selected Optional Additional Benefit Cap. A 12 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Maternity Cover is added at that stage; cover must be continuous during this waiting period.
  • New-born care, including premature new-borns - 100% of costs up to $50,000, and limited to the first 30 days following birth. A 12 month waiting period applies to this benefit, if selected, from the commencement date, or from the renewal date if maternity cover is added at that stage; cover must be continuous during this waiting period.
 
Expats living in Africa

ZONE 0 | Cover in Africa excluding South Africa
ZONE 0+ | Cover in Africa, South Africa and Europe (excluding the UK and Switzerland)
ZONE 0++ | Cover worldwide (excluding the USA)
ZONE 6 | Cover worldwide including the USA

Expats living in South East Asia

ZONE 1 | Cover in South East Asia (excluding Singapore)
ZONE 1+ | Cover in SouthEast Asia and the rest of the world (excluding the USA)
ZONE 6 | Cover worldwide including the USA


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This is the maximum amount we will pay for any claims in the policy year.