Cover built for pilots and your future
Why pilots are choosing AAPMBF
Protection that supports your career and your future
Australian Air Pilots MBF provides financial support when your ability to fly is affected by medical conditions that impact your Class 1 Medical Certificate. Our Cover is designed to support you financially, whether you lose your Class 1 Medical temporarily or permanently.
Monthly financial support
If you temporarily lose the privileges of your Class 1 Medical Certificate, you may receive Monthly Benefit payments to help meet everyday expenses.
How it works
- Monthly Benefits start after any personal/sick leave is used and a 28-day waiting period has passed.
- The amount paid depends on your income and level of cover. Monthly Benefits up to. $15,000
- We do not offset. A Monthly Benefit is paid regardless of other earnings, unless you are receiving statutory or third-party payments (e.g. WorkCover), in which case we may provide a top-up.
Capital Benefit for permanent loss of licence
If you permanantly lose the privileges of your Class 1 Medical Certificate, you may be eligible receive a lump sum payment (Capital Benefit Balance). This is payable after an 84-day waiting period and if you receive a lump sum from another provider, there is no reduction in your Capital Benefit Balance because of it.
Key points
- Up to $1.2 million of Nominated Capital Benefit may be available, depending on your joining age.
- This benefit is designed to support your long-term financial security.
Additional Free Death Benefit
A Death Benefit may be paid to your nominated beneficiaries in addition to your remaining Capital Benefit Balance.
What this means
- The Death Benefit is available from the first day of membership.
- This Benefit increases each year of Membership.
- Death Benefit can reach $400,000 maximum
Trauma Benefit for critical illness or injury
In the event of a critical illness or injury, MBF may provide immediate support through a Trauma Benefit. This can offer access to funds when you need them most.
Benefits designed for pilots
- Portable cover that supports your career in Australia and overseas.
- No special medical exam required to join, making it easier to access cover.
- Some mental health conditions covered under the Rules.
- Bulk billing for employer allowance where applicable.
- Refund of Contributions available after 20+ years of membership to a maximum of $75,000.
Wait periods explained
- Monthly Benefits begin after 28 days from the Date of Onset or occurrence of an Aeronautical Significant Event/ Condition (ASE/C).
- Capital (lump sum) Benefits begin after 84 days from the Date of Onset or occurrence of an Aeronautical Significant Event/ Condition (ASE/C).
Always read our Product Disclosure Statement (PDS) to see if this product is right for you.
Claims support
If you need to make a claim, our team will guide you through the process with clear steps, helping you understand what documentation is needed and how benefits are assessed.
Want to know more about our product and costs?
Learn more about our Loss of Licence Cover, the costs and what to consider when you are comparing.