Insurance for Cathay Dragon pilots and cabin crew.

TopCover was  designed  specifically as a benefit for aircrew in Hong Kong and has been protecting KA pilots since 1999. It is no longer a requirement to be a member of the DPA to hold a TopCover policy.

The employee benefits provided by Cathay Dragon, such as Loss of Licence, Death in Service, accident cover and medical benefits, do not provide comprehensive protection in every situation and in particular when a pilot is off work for a long time due to illness or injury.

The company Loss of Licence lump sum benefit is only paid if you are terminated. The loss of your career, seniority and future earnings can be a devastating blow, and the company compensation is limited to a maximum of only 2 years of basic salary. Temporary benefits under the company scheme are a ‘draw-down’ from the lump sum and must be formally requested.

The TopCover Income Protection plan is designed to allow pilots to protect their income for sufficient time to enable a medical situation to be resolved. This may mean that you able to keep your flying career. Many KA pilots have now returned to flying, in seniority, after prolonged periods of sick leave. TopCover continues to pay several KA pilots – please refer to Testimonials.

Cabin Attendants may also apply for TopCover Personal Accident and Critical Illness benefits as well as our TopCover Travel Insurance.

Your Choice of Benefits

Our TopCover policy allows you to select benefits from three integrated sections of cover:

Income Protection:     Up to US$ 15,000 per month (including the DPA Group Cover)
Personal Accident:      Up to US$ 500,000 for the Member and Spouse. Dependent children may also be insured.
Critical Illness:            Up to US$ 150,000 for the Member and Spouse

Each section of the policy provides worldwide cover, 24 hours a day. The Income Protection and Critical Illness cover is specifically ‘own occupation’ and has been carefully designed for the unique needs of airline pilots.