What Is All-Caused Death/Total and Irreversible Loss of Autonomy Cover?

This coverage is typically mandatory and provides financial support in the event of an insured person’s death or complete and irreversible loss of autonomy. It ensures that beneficiaries or the insured individual themselves receive a predetermined sum or benefit in these unfortunate circumstances, offering crucial financial support during difficult times.

  • Mandatory Minimum – €50,000 Maximm: €600,000 within the limit of 5 times your gross annual salary


The all-caused death coverage may be maintained to its full amount on permanent or temporary cessation of activity under the following conditions:

  • Retirement:

Policyholders may continue to benefit from this coverage until the

31st of December follows their 75th birthday.

  • Permanent unfitness to work as flight crew:

At the request of the Policyholders, the benefit from this coverage may be maintained until the 31st of December following their 75th birthday.

  • Training leave, unpaid leave:

The coverage of this policy is maintained for a maximum of 2 years starting from the date of contract suspension.

  • Legal maternity, parental, paternity leave:

The all-cause Death coverage remains active during the policyholder’s legal maternity or paternity leave, as per the applicable legal system. It can be maintained for a maximum of 4 years for parental leave starting from the first day, provided a valid medical fitness certificate for the crew profession is maintained by the policyholder.

  • Unemployment

Coverage is maintained for the period during which the policyholder is unemployed.

  • Work on a rotation basis:

Coverage is maintained during periods of inactivity.

  • Policyholder subject to Temporary unfitness

Coverage is maintained during a state of temporary unfitness, ceased no later than the legal retirement age, in the limit of 65 years.

  • End of training for trainee pilots

As the request of the policyholder, coverage can be maintained for all trainee pilots for a maximum period of 5 years starting from the date of the end of Theoretical and/or practical training.

Excluded Risks

Coverage does not apply for one of the following reasons:

  • Conscious or subconscious suicide during the first year of subscription,
  • If the beneficiary intentionally caused the policyholder’s death, they would not receive coverage. Instead, the insurance benefit goes to the next beneficiary in line according to the order of priority or the policy’s specified model clause,
  • In the event of illnesses or Accidents resulting from combat (except in the case of legitimate defense) or which result from deliberate exposure to an exceptional danger (except for attempts to rescue persons or property),
  • In the event of a civil or foreign war, riot, uprising, unless the policyholder does not play an active role therein or is called upon to carry out a maintenance or surveillance mission aimed at ensuring the safety of persons and property.

(Legitimate defense, assistance of persons in danger or performance of professional duties are covered),

  • The consequences of direct or indirect effects of splitting the atom,
  • The Consequences and result of the use of drugs or medication without a prescription,
  • Acute alcoholism, when alcohol level recorded is higher than the legally tolerated rate,
  • Risks resulting from an air accident are only covered if the policyholder is on-board an aircraft authorized to fly by a valid certificate of airworthiness and flown by pilot holding a valid license and qualification.

Matches, bets, aerial acrobatics, records, record attempts or their preparatory trials are excluded from the coverage

Questions? Contact our expert team:

[email protected] or call +66 2 670 3902