Aircraft Crew Member Accident Insurance

Regardless of how beautiful the views are from various aircraft, such as airplanes, helicopters, gliders, hang gliders, paragliders, dirigibles, or air balloons, one should bear in mind that flying an aircraft is a high-risk activity. For this reason, we recommend insurance against any possible accidents which may occur during start-up or take-off run, in the air, or during landing. 

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Why to choose BTA Aircraft Crew Member Accident Insurance?

Our advantages:

  • we offer individual approach for every customer;
  • you yourself choose the risks you want to insure and also specify your preferred insurance coverage;
  • when insuring crew members and other staff, the insurance protection may be effective not only during the flight, but also aircraft maintenance.

What persons qualify as aircraft crew members?

The following persons qualify as aircraft crew members:

  • pilots,
  • crew members,
  • student pilots,
  • instructor pilots,
  • air mechanics, technicians.

Insurable Risks

   
Death
In case death of an aircraft crew member occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, we will pay 100 % of the insurance coverage. 
Disability
In case disability of an aircraft crew member occurs as result of an accident during the effective period of the insurance contract or within one year of the accident, we will pay an indemnity of up to 100 % of the insurance coverage, depending on the disability group.  
Injuries
We will pay an indemnity for the injuries suffered in an accident (one or several bone fractures, dislocations, consequences of burns/scalds, frost-bites, or injuries, consequences of acute poisoning with chemical or toxic substances), depending in the severity of the injuries.
Treatment Expenses
We will indemnify the expenses for the medical procedures performed and prescribed by the attending doctor in association with out-patient or in-patient treatment. Only the expenses for the medical services received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia will be indemnified. 
Medications and Bandages
We will indemnify the expenses for the medications and bandages prescribed by the attending doctor and purchased from the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia or pharmacies located in the territory of the Republic of Latvia.
Transportation Expenses
We will indemnify the expenses for the medical transport from the place of the accident to the nearest medical facility for the immediate medical care.
Daily Allowance
We will indemnify the expenses (in the amount fixed in the insurance contract) for each day of temporary incapacity if, as result of an accident, the temporary incapacity for work lasts for more than seven business days.
Hospital Fee
We will indemnify the expenses (in the amount fixed in the insurance contract) for each day spent in hospital in case the hospital treatment lasts for more than 24 consecutive hours.

What are the territory and the validity period of the policy?

The territory of the Aircraft Crew Member Accident Insurance Policy can be specified based on your preferences:

  • Latvia,
  • Europe,
  • territories of other states, subject to BTA approval.

However, please note that trips to other countries additionally require Travel Insurance. In case you suffer an injury in an accident abroad, the Aircraft Crew Member Accident Insurance will allow you to receive a compensation depending on the severity of the injury, but the expenses for the medical assistance received in a foreign country will be indemnified only if you have purchased a Travel Insurance policy. The Aircraft Crew Member Accident Insurance coverage includes only medical services received in the territory of the Republic of Latvia. 

Policy purchase options

The Aircraft Crew Member Accident Policy can be purchased using one of the below options:

  • if you fill in the application form available on BTA website, an expert of BTA’s will contact you to find out the required details and prepare the insurance offer, and send it to your e-mail address;
  • by calling BTA Customer Support Service on 26 12 12 12. During the call, it is also be possible to pay for the policy immediately;
  • by visiting a BTA Customer Service Centre in person;
  • by contacting a BTA agent, insurance broker.

How to proceed in case of an accident?

In case of an accident involving any aircraft crew members, please proceed as follows:

  1. in order to perform the rescue operations as well as to document the circumstances and the cause of the accident, please immediately contact:
    • The ambulance by calling 113 or 03
    • The police by calling 110 or 02
    • If necessary, the State Fire and Rescue Service on 112 or 01
    • Your employer and the competent public authority.
  2. When receiving any medical services, please keep the document which confirms the fact and the consequences of the accident, such as the medical certificate issued by the doctor and containing the diagnosis or a detailed medical description of the injury, and also keep the documents confirm the payments you have made (such as receipts, acquittances with your name, surname, personal number, and the title of the service received in them) for the medical services you have received.
  3. Please keep the documents of the respective public authorities which serve as proof of the accident.
  4. As soon as possible, please contact the BTA Customer Support Service by calling 26 12 12 12 to inform about the accident, receive instructions on how to proceed, and also to register your insured event.

 

Insurance Terms and Conditions

  PDF E-doc*
General insurance terms and conditions    
Terms and Conditions No 3
(version applicable to policies issued after 13.12.2011)
Terms and Conditions No 2
(version applicable to policies issued after 07.06.2011)

 


* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).