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Group Contracts

   

  • Any member of the insurable group holding a patent and a  valid flight personnel licence , can apply for joining APPN’s scheme at any time without out any medical check, by filling in an application form.

  • From 45 years (35 for trainees) members of the insurable group may not join APPN’s scheme.

  • A 10 % discount is applied to the contribution for pilots under 25 years and a 5% discount is applied for pilots under 30 years.

  • A 10 % surcharge is applied to the contribution for pilots over 40 years when joining APPN’s scheme.

  • APPN’s fee :

    - 3 € for members of SNPL / SPAF (French unions)
    - 7 € for members of an agreed Pilots’ Union by APPN
    - 13 € for non-unionized members

Detailed information about our contracts


I - TRAINEES

A loss of medical fitness guarantee and Life insurance guarantee from 50.000 Euro up to 155.000 Euro.

 

II - ACTIVE (registered)

• LIFE INSURANCE ALL CAUSES
   - A guarantees from 30 000 Euro up to 690 000 Euro.

• DEFINITIVE LOSS OF LICENCE ALL CAUSES UP TO 60 YEARS 
   - A guarantee from 80 000 Euro up to 700 000 Euro.

• DEFINITIVE LOSS OF LICENCE ALL CAUSES UP TO 65 YEARS (Starting at 55 years)
   - a guarantee from 40 000 Euro up to 350 000 Euro

• TEMPORARY LOSS OF LICENCE
   - A monthly guarantee from 1 000 Euro up to 16 000 Euro (depending on the coverage related to the airline company)

 

III - JOB SEEKERS

• A Life Insurance cover from 50 000 Euro up to 170 000 Euro.
• A Definitive Loss of Licence cover from 50 000 Euro up to 170 000 Euro.

You will be insured according to the specific terms and conditions mentioned in the group insurance policy.


IV - RETIREMENT

You can partially extend the Life insurance cover from 65 years up to 75 years, a digressive scale of 10 % is applied every year.

 

YOU CAN ASK FOR OUR DOCUMENTATION THROUGH THE ELEMENT
Request of documentation


Change of Professional Status

In case of any professional change don't forget to inform us.

1. Change of professional status :

a) Trainee to active pilot :

You were trainee and now are employed by an airline company or employed by a company as a pilot, please keep in mind to inform APPN. You do not benefit from a Temporary Loss of Licence yet.

b) Change of airline company :

A change of airline company may bring about alteration to your Temporary Loss of Licence cover.

c) Loss of employer :

You are unemployed (see the specific terms and conditions mentioned in the group insurance policy) :

You can suspend your Temporary Loss of Licence cover.

In that case, you may, if you wish, decrease your Defintive loss of licence and/or your Life Insurance insured capital amounts.


d) Going on retirement :

In case of ceasing your professional activity, you have to inform us, otherwise you may pay premiums for guarantees that became unnecessary.    

Please feel free to contact us and we will go through the different possibilities.



2. Alterations to your guarantees :

a) You wish to increase your guarantees, we offer you :

Automatic revision : Every 2 years.
The automatic revision of your guarantees ends at 58 years for the basic contract and 62 years for the 55-65 Definitive loss of licence contract.
This automatic revision allows you to bring your guarantees to the upper bracket (row) from our rates. Each member can, on his request, postpone the automatic revision of his guarantees for a period he has to determine. In that case the delay in upgrading will not be caught up.

On member’s request : For members under 50 years, the guarantees may be increased up to 2 brackets every 5 years.
According to a career evolution : Members under 50 years can increase their guarantees each time their income will have at least a 15% increase, according to a change of function, appointment, duties or employer.

These alterations are added to the automatic revision.

No alteration can be allowed :
- During a period of sick leave
- After 50 years


b) You wish to decrease or cancel your guarantees :

Please send us a letter asking for it with your handwritten signature. You may scan and send the letter by email.

Any request has to be sent to APPN before the 20th of the current month for an effective date the 1st   of the following month.

 

Detailed information about our contracts