All Dubai Air Wing pilots who are currently on flying duty are eligible to apply for additional TopCover benefits.

There is no upper age limit for applying for TopCover.

The maximum age limits for each section of cover are:

Income Protection and Critical Illness: Age 60

Personal Accident: Age 65

Income Protection

The maximum monthly income protection benefit is US$15,000

Personal Accident

This is a cash lump sum payment in the event of death or a permanent injury. The maximum benefit is US$500,000.

Members may also purchase cover for their spouse and dependent children.

Critical Illness

This is an immediate cash payment upon diagnosis of any one of the named illnesses. In addition, for pilots, any medical condition that permanently prevents you from flying may also qualify for a benefit payment.

Cover is available in increments of US$10,000 and the maximum cover available is US$150,000.

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TopCover has been used by Emirates pilots since July 2000, when IPEP was formed. IPEP has always been run by volunteers who acted in the interests of the Emirates pilots and who received no commissions or other payments from the insurance company.