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An invisible risk with major consequences

In aviation, the ability to practise your profession depends on holding a valid licence. In the event of an accident or a health issue, medical unfitness can lead to:

the suspension or loss of your licence
the inability to carry out your profession
an immediate loss of income

This risk, often underestimated, can have a major impact on your professional and financial situation.

Essential protection for all flight crew

Our solutions are intended for everyone in the cockpit and cabin:

professional pilots
cabin crew
instructors
trainees (cadets, student pilots)

Essential cover, whatever stage your career has reached.

What does loss of licence insurance cover?

Loss of licence insurance aims to offset the financial consequences of unfitness.

Temporary or permanent medical unfitness

inability to fly
licence suspension
permanent loss of fitness

Payment of a lump sum or compensation

Depending on the policy:

lump sum paid in the event of permanent unfitness
benefits in the event of a temporary stoppage
compensation for loss of income

Maintaining financial security

Coping with:

loss of salary
career change
financial commitments

Solutions suited to every profile

Individual loss of licence insurance

Suited to:

flight deck crew
cabin crew
young professionals

personalised cover
choice of insured amounts
adapted to the individual situation

Group insurance (airlines / operators)

Set up for:

airlines
business aviation operators
aerial work operators

consistent cover for crews
protection of employees
an HR and retention tool

Coverage in France and internationally

Flight crew operate in a globalised environment. Our solutions can include:

France

Coverage in France.

Europe

Coverage across Europe.

Worldwide

Worldwide extension.

suited to international careers
consistent with multi-airline career paths

An approach tailored to every career stage

Student and trainee pilots

Protection from the start of training
Safeguarding a significant investment
Support in the event of an interrupted training path

Active pilots

Maintaining your standard of living
Income protection
Anticipating health-related setbacks

Flight crew

Coverage adapted to the constraints of the job
Accounting for hidden risks

Structuring the guarantee

A loss of licence insurance policy must be structured according to:

your status (employee, self-employed)
your income level
your career progression
your medical and occupational exposure

The aim is to obtain consistent and sufficient protection.

Points of attention

Not all loss of licence insurance policies are equal. Pay close attention to:

the definition of unfitness (temporary / permanent)
the medical conditions that trigger cover
exclusions
waiting periods
compensation caps

Expert analysis is essential.

Why choose SAAM Verspieren Group?

recognised expertise in aviation insurance
detailed understanding of flight crew professions
tailored individual and group solutions
personalised support

Protect your ability to fly

Your licence is your working tool.

Planning for its loss means securing your professional future.

A solution to protect your loved ones & your income

In air and rail transport professions, an illness or an accident can lead to a suspension, a temporary unfitness or a permanent loss of your medical fitness, with a direct impact on your income.

Our solution secures your financial situation, protects your loved ones and preserves your standard of living in the event of incapacity to work or permanent occupational unfitness.

Our guarantees cover

Death / Total permanent disability

Financial protection for your loved ones in the event of death or total and irreversible loss of autonomy.

Permanent occupational unfitness

Capital paid out in the event of a permanent withdrawal of your medical or occupational fitness.

Temporary incapacity to work

SAAM BENEFITS

We review every case to find a solution for your profession!

Group policies

Beyond individual membership, SAAM sets up group policies for airlines, aviation operators and rail companies. They cover all employees exposed to a loss of medical fitness, with a consistent set of guarantees and centralised management.

These programmes are built with the employer or staff representatives, and negotiated with specialist insurers in the market.

Consistent coverage

The same set of guarantees for all exposed employees, regardless of their status or seniority.

An HR and retention tool

A social protection scheme that can be highlighted to teams and within the company's social policy.

Centralised management

A dedicated contact, with membership and claims management steered at company level.

France and worldwide coverage

Programmes tailored to companies and operators active in France as well as internationally.

Expert broker in loss of licence insurance, unfitness insurance and professional income protection

For more than 70 years, SAAM has been supporting flight and train crew in protecting their careers, with specialised solutions for pilots, cabin crew, train drivers and professions subject to medical fitness requirements.

Specialist in loss of licence insurance
Long-standing expertise in flight and train crew
Tailored solutions for aviation and rail professions. And not only those: we can find a solution whenever a medical fitness needs protecting!
Support in the event of a claim and follow-up of compensation

Our exclusive SAAM insurance products

PNT France
Pilots and trainees, French medical certificate
- France (French medical certificate)
- Capital up to €500,000 for death and permanent loss of licence (€110,000 during training)
- Temporary loss of licence covered (daily lump sums)
- Age limit 45 inclusive at membership
Pilot SAAM
Pilots and trainees, worldwide
- Worldwide (excluding UK residents)
- Capital up to €600,000 for death and permanent loss of licence (€110,000 during training)
- Daily benefits up to €500/day for temporary loss of licence
- Age limit 50 inclusive at membership (44 during training)
PNC Package
Individual or group
- French territory
- Death and disability from €22,800 to €100,000
- Loss of licence up to €100,000
- Daily benefits for up to 730 days
Crew SAAM
Group policy
- Residence in Europe, no maximum age
- Capital up to 3 times the gross annual salary
- Temporary loss of licence up to 24 months after the deductible period
- Minimum one-year term, fewer than 300 flight crew
RailProtect
Train drivers and on-board staff, individual or group
- French territory
- Death from €7,500 to €100,000
- Loss of driving or safety fitness from €5,000 to €100,000
- Daily benefits up to €46/day for up to 3 years

All our products

TO GO FURTHER

Loss of licence and loss of occupational fitness insurance

The risk, the professions concerned, how the guarantees work, points of attention before subscribing, and frequently asked questions.

Read the loss of licence guide

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Secure your career and your income in the event of medical unfitness