Frequently Asked Questions

Loss of License Policy is a cover taken to insure against any loss of income to the member pilot due to medical reasons/unfitness. It is a group policy covering the Members of the Federation of Indian Pilots (F.I.P) based on Loss of License on Medical grounds only. This policy covers the member for Temporary Medical Unfitness (TMU) and Permanent Medical Unfitness (PMU) declared only by the competent board (DGCA Class 1 Medical Examiner). While Accidental Death is covered, Natural death is not covered in this policy.

The following four categories of pilots are eligible to avail of a LOL Policy:

Flying Pilots: Pilots holding a valid flying license by DGCA and valid medical certificate/assessment by the competent authority to exercise privileges of the same license and are presently employed in flying duties in India/abroad.
Age Band: Upto 65 years of age.

Non-flying Pilots: Pilots holding a valid flying license by DGCA and valid medical certificate/assessment by the competent authority to exercise privileges of the same license, but are presently not flying (due to company closure/compulsory leave without pay/pilot who is pregnant).
Age Band: Upto 55 years of age.

Ab-initio Pilots: Pilots having valid flying license by DGCA and valid medical certificate/assessment by the competent authority to exercise privileges of the same license, but have never been employed as Pilots in India.
Age Band: Upto 45 years of age.

Pregnant/Expecting Pilots: Member pilots who are expecting / pregnant can enroll under the Non- Flying category while availing of the policy during enrollment of the LOL Policy.
Age Band: Upto 55 years of age.

TMU compensation is calculated in the following manner:

* Step 1: 75% of the net salary as per Form 16 of FY 2021-22 OR Net Pay for the last 3 months as per the salary slip which will be evaluated and the higher of the 2 will be considered.

* Step 2: The above amount will be then compared to 1.25% of the SI and the lower of the same will be considered.

TMU Compensation starts 60 days (cooling period) from being declared TMU by Company Doctor/Competent Medical Practitioner or DGCA Class 1 Medical Examiner and ends on the date of receipt of fitness form CA-35 from DGCA Class 1 Medical Examiner; subject to a maximum of 15 months post the date of medical unfitness.

* FIP Office is here to assist you for any queries around this. Kindly follow the steps given below:

* Notify FIP Office by sending an email to office@fipindia.com with all details within 30 days of unfitness

* Please provide all documents as requested by the Insurer. (For List of Documents Click Here)

* Compensation will be calculated as follows: (Refer to Question 3 above)

We are there to assist you. Kindly follow the steps given below:

* Notify FIP Office by sending an email to office@fipindia.com with all details within 30 days of being declared PMU.

* Please provide all documents as requested by the Insurer. (For List of Documents Click Here)

* A member pilot who is declared PMU needs to survive for at least 30 days under survival clause, from the day of being declared PMU by DGCA for availing policy benefits.

* In case a pilot member is declared TMU and subsequently PMU, he has to immediately inform FIP Office at office@fipindia.com and later submit following documents to the Insurer (For List of Documents Click Here). To avail this benefit, the Claim of TMU to PMU should fall within a period of 24 months from date of expiry of the Policy.

A Pilot member who has availed the policy for the complete period from January 2022 to December 2022 and has not claimed during the year, is eligible. This year's policy Sum Insured will be increased by 7%. as a No Claim Bonus.

Unfortunately, if there is an untimely demise and the member pilot passes away during the TMU period (after completion of 60 days cooling period) a sum of INR 15 lacs is payable if the Sum Insured is above INR 50 lacs, else INR 7.5 lacs is payable if Sum Insured opted is below 50 lacs.

We urge members to get in contact with FIP Office immediately upon the following circumstances:

* Change in Employment Status

* Change in License status

* Change in medical status

* Change in address/ contact details along with hand held devices.

No, the FIP's Loss of License policy has no relevance to the benevolent schemes offered by the employers of your company or by peer groups. It does not affect the emoluments received from these benevolent funds.

Some of the key exclusions in the policy are Self-inflicted injuries, Suicide, Alcoholism, Psychosis, PMU beyond a tail period of 24 months from policy expiry date, unfortunate demise within 30 days of being declared PMU, engaging in communal /civil riots etc. For detailed list of Exclusions and Exceptions, kindly refer to the policy wordings.

Congratulations! We have good news for you too. For the first time ever in a LOL policy, the FIP office has negotiated a cover for you. We have gone all out and ensured that you are covered in the following manner:

* At the time of enrollment, you can avail of your cover under the "Non-Flying" pilot's category.

* You are required to submit previous 2 medicals prior to pregnancy to FIP office.

* The maximum cover offered in this category will be INR 1 crore.

* The maximum age limit here is up to 55 years.

* Member pilot is covered for PMU/PA cover in this category.

* Member pilot is not compensated for maternity leave.

In this case, kindly follow the following process:

* Contact FIP Office with date of unfitness i.e. reporting pregnancy to company doctor.

* Member pilot here will not be eligible for TMU for the period that they are not flying due to pregnancy.

* The PMU/PA cover continues for you as per the enrolled Sum insured cover at the time of enrollment till 24 months of policy expiry date.

* Member has two options:

Pro-rata upto 5% refund of premium and retain full SI for PMU/PA cover
              OR
Migrate to non-flying pilot PMU/PA cover and receive appropriate pro rata refund/premium.

(Note: All pro rata, premium refunds are available only until October 2023).
For refund you may contact the FIP Office.

* Post-delivery, to avail of TMU cover, you are required to submit medicals by authorized Class 1 DGCA medical examiner for TMU eligibility.

At FIP, we always believe in extending full support to our fraternity. Thus, we have you covered for such uncertainties, which are not in your control or for which you cannot be held responsible for.

Yes, we have extended our cover for FY 2023 to have you covered. To avail of a cover, you need to have a valid Indian flying license & fit to fly medicals from competent DGCA authority.

The member has to be declared TMU first by their company doctor/competent authority and then by the DGCA Class 1 medical examiner. Thereafter, once the cooling period (70 days) is over, TMU compensation starts and it ends on the date of receipt of fitness from the DGCA Class 1 medical examiner (CA 35) or company doctor/competent authority, whichever is earlier; subject to a maximum of 15 months post the date of medical unfitness.

The member will have to give an undertaking that they are not receiving compensation from any other loss of license insurance other than from their employers.

* Step 1: 75% of the net salary as per Form 16 of FY 2021-22 OR Net Pay for the last 3 months as per the salary slip will be evaluated and the higher of the 2 will be considered.

* Step 2: The above amount will be then compared to 1.25% of the SI and the lower of the same will be considered.

* PMU Benefit: PMU Compensation will trigger if declared so by DGCA Class 1 Medical Examiner.

* A member pilot under PMU needs to survive at least 30 days under survival clause from the day of being declared PMU by DGCA for availing policy benefits.

* In case a pilot member is declared TMU and subsequently PMU, he has to immediately inform FIP Office and subsequently submit following documents to the Insurer (For List of Documents Click Here). If the TMU extends and gets converted to PMU, the claim should fall within a period of 24 months from the date of expiry of the Policy and not beyond.

Yes, you can still be a member of the FIP LOL policy under the "Ab-Initio" Pilots category. During enrollment, kindly select the "Ab-Initio" pilots drop down and select the cover most appropriate.

* Sum Assured cover options provided under this category are 10 lacs, 25 lacs & 50 lacs.

* Max Age Limit upto 45 years.

In the current situation of the pandemic, we understand that many experienced pilots have had to face some harsh circumstances. We have you covered in this situation.

At the time of enrollment, you are requested to enroll under the Non-Flying Pilot category and avail of the desired cover that has been designed for you. The maximum age limit is upto 55 years in this category.

For member pilots, who are unable to renew the policy online, kindly contact the FIP Office to assist in providing you the cover. The portal will not allow to renew in the following cases, if applicable to you.

* In case you have had a significant claim amount in the past.

* In case your medicals have any remarks other than standard remarks or readings.

* In case you are enrolling for the first time and your medical is due within 45 days of taking the policy.

* In case there is break in continuity of your insurance renewal & your medical is due within the next 45 days.

The Medical should be valid for a minimum period of 45 days from the date of commencement of the policy to be eligible for taking the Loss of License insurance policy.

FIP office will assist you in having your cover restored post discussions with insurance company and their approval based on rightful grounds.