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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 of age (35 for trainees) members of the insurable group may not join APPN’s scheme.

  • A 10 % discount is applied to the contribution for pilots aged less than 25 years of age and a 5% discount is applied for pilots aged less than 30 years of age.

  • A 10 % surcharge is applied to the contribution for pilots aged more than 40 years of age a when joining APPN’s scheme.

  • APPN’s fee :

    - 2 € for members of an approved Pilots’ Union (SNPL and USPNT / SPAF)
    - 5 € for members of a non approved Pilots’ Union
    - 10 € for non-union 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 OF AGE
   - A guarantee from 80.000 Euro up to 600.000 Euro.

• DEFINITIVE LOSS OF LICENCE ALL CAUSES UP TO 65 YEARS OF AGE (Starting at 55 years of age)
   - a guarantee from 40.000 Euro up to 300.000 Euro

• TEMPORARY LOSS OF LICENCE
   - A monthly guarantee from 1.000 Euro up to 16.000 Euro.

 
I.E Monthly premium for an Air France pilot member of an agreed union (SNPL and USPNT / SPAF) aged less than 40 years of age :

Guarantees Insured
capital amount
Monthly premium

Life Insurance all causes   84.000 €    23,00 €  
Definitive loss of licence all causes   260.000 €    43,00 €  
Temporary loss of licence (E4)   4.000 €    18,00 €  
APPN’s fee       2,00 €  

Total monthly premium       86,00 €   
 


I.E Monthly premium for a pilot working for another airline company member of an agreed union (SNPL and USPNT / SPAF) aged less than 40 years of age :

Guarantees Insured
capital amount
Monthly premium

Life Insurance all causes   57.000 €   15,00 €  
Definitive loss of licence all causes   220.000 €   36,00 €  
Temporary loss of licence (E4)   2.500 €   36,00 €  
APPN’s fee       2,00 €  

Total monthly premium       89,00 €  
 


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 of age up to 75 years of age, 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.

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.

However if you think that your monthly premium is too expensive, we offer you to bring down 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 compulsorily 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 year until you turn 50 years of age and every 18 months after 50.
The automatic revision of your guarantees ends at 58 years of age for the basic contract and 62 years of age 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 aged less than 50 years of age, the guarantees may be increased up to 2 brackets every 5 years.

According to a career evolution : Members aged less than 50 years of age can increase their guarantees each time their income will increases of more than 15 % according to a change 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 of age.


b) You wish to decrease or cancel your guarantees :

Your request has to be done in writing; you can send it by fax or e-mail however your signature is required.

Any request has to be sent to APPN the latest on the 25th of the current month for an effective date the 1st of the following month.

 

Detailed information about our contracts