the insurer's Aviation Personal Accident (Crew) policy protects ALL aircraft crew — from captains to cabin crew to maintenance engineers — against accidental death, permanent disablement, and temporary disability arising from aviation accidents. Available as flight-risk-only or 24-hour worldwide cover. Individual and group policies for airlines and crew associations.
the insurer Aviation Insurance· 2nd Aviation Product· Sister to Loss of License
Aviation Personal Accident (Crew) insurance protects ALL aircraft crew members against accidental death, permanent disablement, and temporary disability arising from aviation accidents. Unlike the Loss of License policy (which covers medical incapacity), this is pure accident insurance — triggered by external, violent, accidental events during aviation operations.
100% of Capital Sum Insured paid to nominee. Includes disappearance clause — deemed dead after 12 months following aircraft wrecking.
100% SI· DeathPTD (both eyes/limbs/one of each): 100% SI. PPD (one eye, one limb, hearing etc.): 50% SI. Per standard benefit schedule.
PTD 100%· PPD 50%TTD: 1% of SI per week, maximum 100 weeks. While totally unable to work in any capacity due to accident injury.
1% / Week· 100 WeeksCaptains, first officers, cabin crew, flight engineers — all aviation crew roles covered, not just pilots. The entire aircraft workforce.
All CrewGlobal coverage — wherever the aircraft operates. Flight-risk basis (in-flight only) or 24-hour worldwide including layovers.
WorldwideIndividual policy for crew without employer cover. Group policy for airlines, covering all crew under one master policy at group rates.
Both AvailableFrom Captain to Cabin Crew — India Has 100,000+ Aviation Crew
The Aviation PA (Crew) policy is designed for ALL crew members aboard an aircraft — not just pilots. On June 12, 2025, the Air India Ahmedabad crash involved 2 pilots and 10 cabin crew (Captain Sumeet Sabharwal, First Officer Clive Kundar, and 10 flight attendants) — all 12 were aviation crew requiring Aviation PA (Crew) protection.
Pilot-in-Command — full aircraft control responsibility. Commercial airline, charter, cargo operations.
Secondary control and monitoring. First Officer Clive Kundar was at the controls of the Ahmedabad aircraft.
Relief pilot on long-haul wide-body operations (B787, A330, A350). Required for ultra-long-haul routes.
Older aircraft types (B747-200 classics, legacy cargo aircraft). Manages aircraft systems from cockpit.
Senior cabin crew — emergency management, crew coordination. On wide-body international flights.
In-cabin safety, service, and emergency duties. India's largest aviation crew category — ~85,000 professionals.
Supervisory cabin role — Air India, Vistara, IndiGo all have tiered cabin crew career structures.
Standard cabin crew title. Turbulence injuries, galley accidents, and emergency evacuations are occupational risks.
DGCA-licensed AME — works on and around aircraft. High accident risk during maintenance operations.
DGCA-licensed. Plans flight operations, files flight plans, monitors weather. Ground-based but DGCA-regulated.
Manages cargo loading and weight distribution. Ramp-side operations with high physical accident risk.
The Aviation PA (Crew) policy primarily covers flight-operating crew (flight deck + cabin crew). Ground and technical crew may require Workmen's Compensation Insurance or standard PA policies for their specific risks. The exact scope of "crew" eligible under the insurer's Aviation PA (Crew) policy should be confirmed directly with the insurer at 022 4302 0000, as it may vary based on whether ground crew are included in group aviation PA schemes.
The Core Product Choice — Know Before You Buy
The Aviation PA (Crew) policy offers two coverage bases. This choice determines whether you're protected only during actual flight operations or around the clock everywhere in the world. The layover question is the clearest test of which basis you need.
International long-haul crew regularly spend 24–48 hours in hotels at outstations (Singapore, London, Dubai, New York). If you have a flight-risk-only policy and you slip and injure yourself in your London layover hotel — you have NO aviation PA cover. The 24-hour basis covers you whether you're on the aircraft or in your hotel bed. For international crew, 24-hour basis is strongly recommended.
The Gap No Crew Member Can Afford to Ignore
Standard personal accident policies — the kind available to all working Indians — specifically EXCLUDE aviation professionals from coverage during their aviation work. This is the fundamental reason Aviation PA (Crew) exists.
Standard PA insurance excludes:
"Whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world."
A cabin crew member is NOT a "fare-paying passenger" — she is CREW. Her aviation work is therefore EXCLUDED from standard PA. The same applies to pilots and engineers. Standard PA covers them everywhere EXCEPT during their actual work.
| Accident Scenario | Standard PA Policy | Aviation PA (Crew) Policy |
|---|---|---|
| Captain injured in car accident (off duty) | ✅ Covered | ✅ Covered (24-hr basis) |
| Cabin crew injured while boarding aircraft (on duty) | ❌ EXCLUDED — she is crew, not passenger | ✅ Covered — flight risk basis |
| Pilot injured by turbulence jolt while at controls | ❌ EXCLUDED — aviation exclusion | ✅ Covered — in-flight basis |
| Air hostess injured during emergency evacuation | ❌ EXCLUDED — crew operations | ✅ Covered — aviation accident |
| Flight attendant slips in galley mid-flight | ❌ EXCLUDED — whilst traveling as crew | ✅ Covered — accidental injury in-flight |
| Crew member injured in hotel layover (Singapore) | ❌ Excluded (aviation exclusion for crew) | ✅ Covered — 24-hr basis only |
| Aircraft crashes — crew death | ❌ EXCLUDED — aviation accident as crew | ✅ Covered — 100% SI to nominee |
Full Table A / B / C / D Benefit Structure
The Aviation PA (Crew) benefit table follows the standard Indian PA benefit structure — Tables A through D. Benefits are a percentage of the Capital Sum Insured (SI) declared at policy inception. Click any row to see full details.
| Outcome | Benefit | Notes |
|---|---|---|
| Accidental Death | 100% of SI | Death within 12 months of accident ↓ click for details |
| Disappearance — Aircraft Wrecking | 100% of SI (after 12 months) | Deemed dead after 12-month disappearance ↓ click |
| Injury / Outcome | Benefit | Click for Details |
|---|---|---|
| Loss of both eyes (sight) | 100% of SI | Total and irrecoverable loss ↓ |
| Loss of both hands | 100% of SI | By severance or total loss of use ↓ |
| Loss of both feet | 100% of SI | By severance or total loss of use ↓ |
| Loss of one hand AND one foot | 100% of SI | Both — one hand + one foot ↓ |
| Any other PTD (paralysis etc.) | 100% of SI | e.g. paralysis, confirmed permanent ↓ |
| Injury / Loss | Benefit % of SI | Click for Details |
|---|---|---|
| Loss of one eye (sight) | 50% of SI | One eye only ↓ |
| Loss of one hand (at/above wrist) | 50% of SI | One hand only ↓ |
| Loss of one foot (at/above ankle) | 50% of SI | One foot only ↓ |
| Loss of hearing — both ears | 50% of SI | Total deafness ↓ |
| Loss of hearing — one ear | 15% of SI | One ear deafness ↓ |
| Loss of thumb | 20% of SI | Either thumb ↓ |
| Loss of index finger | 10% of SI | Either index finger ↓ |
| Benefit | Rate | Maximum Duration |
|---|---|---|
| Weekly TTD Compensation | 1% of Capital SI per week | Maximum 100 weeks (not exceeding Capital SI) |
| Payable while the insured person is TOTALLY disabled from engaging in ANY employment or occupation of any description whatsoever — not just aviation work. Continues weekly until recovery or 100 weeks, whichever comes first. | ||
Employer Cover vs Personal Policy
Most Indian airlines provide some form of group aviation PA insurance for their crew as part of employment contracts. But "some cover" is not necessarily "adequate cover." Understanding the gap between employer-provided and personally-purchased cover is essential for every crew member.
The Most Important Context in the Entire Series
On June 12, 2025, the Air India Boeing 787 Dreamliner crashed near Ahmedabad — India's deadliest aviation disaster in a decade. 12 crew members (2 pilots + 10 cabin crew) were among those who lost their lives. This is the most powerful real-world demonstration of why Aviation PA (Crew) insurance exists.
The Boeing 787 Dreamliner (London-bound from Ahmedabad) lost thrust shortly after takeoff and crashed into a medical college hostel in Meghaninagar. All but one of the 242 onboard, and 19 on the ground, were killed in the deadliest aviation accident in a decade. Air India had increased hull insurance from ₹750 crore to ₹850 crore just two months before the crash.
Standard Exclusions
Standard exclusions apply — PA terms, ICAI/the insurer group PA document, and FIP/ aviation PA policy. Confirm exact exclusions for the insurer's specific product at 022 4302 0000.
Intentional self-injury, suicide, or attempted suicide. Also provoked assault, dueling, fighting (except in bona fide self-defense).
Injury sustained whilst under the influence of intoxicating liquor or drugs. DGCA already prohibits crew from flying under influence — this exclusion reinforces that standard.
War (declared or not), invasion, acts of foreign enemies, civil war, rebellion, revolution, military operations. Standard exclusion across all PA products.
Death or disability directly or indirectly caused by venereal diseases, AIDS, or insanity. Confirmed from standard the insurer PA terms.
Injury arising from the insured person committing any breach of law with criminal intent. Excludes unauthorized flights, regulatory violations, and deliberate endangerment.
Ionizing radiation, radioactive contamination from nuclear fuel, nuclear waste, or combustion of nuclear fuel. Standard across all insurance products.
Aviation PA (Crew) covers ACCIDENTS only — not illness or disease. Heart attack mid-flight causing incapacity is a LOL (Loss of License) claim, not an Aviation PA claim. No DGCA-medical-related claims here.
For flight-risk-only policies: injury occurring outside the aircraft's permitted operational area per its Air Operator Certificate (AOC). Unauthorized route deviations.
Cover applies to "Licensed Standard type of Aircraft" — duly licensed to carry passengers by appropriate authority. Unlicensed or uncertified aircraft operations may not be covered.
For Aviation Accidents — Act Fast
Aviation PA claims are more straightforward than LOL claims — there is no DGCA CA-35 requirement, no 60-day waiting period, and no PMU/TMU medical assessment. The accident is the trigger. Speed of notification is critical — notify the insurer immediately after any aviation accident.
Notify the insurer or your broker at 022 4302 0000 immediately after the aviation accident. For deaths: within 24 hours. For injury: within 30 days. Early notification is a policy condition. Aviation accidents are documented — notify as soon as the situation is physically safe to do so.
For major aviation accidents: AAIB (Aircraft Accident Investigation Bureau) opens an investigation automatically. FIR may be filed by police for ground casualties. Retain copies of all official documentation — these become the primary evidence for the claim.
For injury claims: seek medical attention immediately. Retain all hospital records, discharge summaries, X-rays, surgical reports. For disability claims: specialist reports from orthopedic surgeon, ophthalmologist, or neurologist confirming the nature and permanence of injury.
Complete the insurer's PA claim form. Attach: policy document / member certificate, FIR or AAIB report, medical records (for injury), death certificate and post-mortem report (for death claims), nominee's ID and bank account details.
the insurer appoints a surveyor. For aviation accident PA claims, the accident documentation (FIR, AAIB report, airline incident report) is typically the primary evidence. For permanent disability: independent medical examination may be required to confirm degree of PPD/PTD.
Death claims: 100% SI to nominee (nominee is a valid discharge — no succession certificate required if nominee is designated). Disability claims: % of SI per benefit table to the insured. TTD: weekly payments continue until recovery or 100 weeks.
Crew Insurance Questions
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