All Emirates pilots who are currently on flying duty are eligible to apply for 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
The maximum benefit is US$15,000 per month
TopCover Income Protection is not affected by any Loss of Licence payment paid by Emirates Airlines.
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.
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.
Emirates pilots who are in the API scheme, which offers much lower limits of income protection, are welcome to join IPEP. We encourage all pilots to carefully review all options available to them. TopCover is regulated, legally binding insurance product, insured with one of the world’s leading insurance companies.