F.A.Q.

With more than 7,000 clients covered in loss of licence and 65 years of experience, SAAM VERSPIEREN Group is one of the most important actors of the loss of licence insurance market.

Moreover, PILOT SAAM is an offer insured by SWISS LIFE, one of Europe's leading comprehensive life and pensions and financial solutions providers. More than four million customers place their trust in their products and services.
You can get some more information about SWISS LIFE by clicking here.

Of course, our offer works as a top up insurance that comes in addition to any other payments received without any limitation except for the temporary loss of licence coverage.

Of course. You can subscribe if you are less than 51 years old and remain covered until your retirement.

You can also remain covered in case of death/TILA until the age of 75 years old.

No, unlike many other offers of the market, all of our coverage work in case of illness or accident regardless your age.

No, you are covered on and off duty, in case of illness or accident and until your retirement age! You can also remain covered in case of death until the age of 75 years old.

Yes, you can keep your coverage for a maximum period of 5 years after the end of your training while you are looking for a job.
As soon as you find a job, your trainee pilot coverage ceases and you have to contact us in order to change your insurance policy to a professional pilot insurance contract.

During the unemployment period, if you are less than 55 years old, your coverage is maintained for the period you are registered as job seeker subject to the maintenance and validity of the Approval to work in the profession or the medical certificate showing fitness to work as flight crew.

Of course. Our contract covers professional pilots worldwide. In case of any changes, you just need to notify us and we will update your contract.

In case of death, the insurer pays the sum insured to the beneficiary(ies) of your choice (or to yourself in case of TILA).

From a mandatory minimum of 50,000€ up to 600,000€ within the limit of 5 times the annual gross salary for a professional pilot.

Up to 110,000€ for a trainee pilot.

For example: Paul is a professional pilot, his annual gross salary is 75,000€, he can get insured for a maximum sum insured of… 5 * 75,000 = 375,000€

All cause death & TILA coverage offers you, or your beneficiary(ies), a sum insured in order to help finance:
- Day to day expenses;
- Scholarship fees;
- Loan reimbursements;
- Etc.

The permanent loss of licence covers you in case of the permanent suspension of your medical class 1 certificate, causing you to cease your activity as a professional pilot. You get covered on and off duty, in case of illness or accident, until you reach retirement age.

• Professional pilot: Up to 600,000€ within the limit of 5 times your annual gross salary;
• Trainee pilot: Up to 110,000€.

For example: Paul is a professional pilot, his annual gross salary is 100,000€. He can get insured for a maximum lump sum of 5 * 100,000 = 500,000€

Being a pilot is a passion that requires time and financial investment. Injuries or accidents can occur and cause permanent loss of licence, preventing you from continuing your activity and from receiving a salary.

Main loss of licence causes:



Our permanent loss of licence coverage offers you a sum insured that helps you financing:
- Your training;
- An alternative career;
- The payment of a loan;
- Scholarship fees;
- Etc.

The temporary loss of licence covers you in case of the temporary suspension of your medical class 1 certificate due to an accident or an illness, causing you to temporary cease your activity as a professional pilot. You get covered on and off duty, in case of illness or accident, until you reach retirement age.

You choose the amount of the daily allowance between a minimum of 50 € and a maximum of 500€ per day (limited to 80% of your gross daily salary).

For example: Paul is a professional pilot, his annual gross salary is 75,000€, he can get insured for a maximum sum insured of… 75,000/365 * 80% = 164€/day.

You also choose one of the following excess periods:
- 30 consecutive days in case of illness or accident;
- 60 consecutive days in case of illness or accident;
- 90 consecutive days in case of illness or accident.

Being a pilot is a passion that requires lots of time and financial investment. Injuries or health deterioration can occur and cause temporary loss of licence, temporarily preventing you from continuing your activity and from receiving a salary.

Main loss of licence causes:



Our temporary loss of licence coverage offers you daily indemnities compensating your income losses and helping you facing your day to day expenses.

The excess period is the uninterrupted period of work after which daily allowances will be paid to you. No indemnity may be paid during the Excess period.

Option A: Non-deduction of per daily allowances from the Permanent loss of licence capital.
When the definitive withdrawal of medical fitness or authorization to work as flight crew occurs after a state of Temporary Unfitness, for a same cause, illness or Accident as that which caused the Permanent loss of licence, the daily allowances paid by the Representative in this respect shall not be deducted from the amount of capital to be paid.

Option B: Deduction of the daily allowances paid by the Representative from the Permanent loss of licence capital.
When the definitive withdrawal of medical fitness or authorization to work as flight crew occurs after a state of Temporary Unfitness, for a same cause, illness or Accident as that which caused the Permanent loss of licence, the capital amount to be paid shall be reduced by all daily allowances paid by the Representative.