Income protection
from € 15/ month
Covers your monthly income (up to € 12,000) if you temporarily lose your Class 1 medical.
Loss of License · Middle East
Loss of License insurance with APPN
Loss of License insurance with APPN
for pilots working in the Middle East
Protect your income if you lose your Class 1 medical. Tailored cover for pilots in the Middle East — backed by APPN, by pilots for pilots since 1957.
Since 1957
18,000+ pilots insured
Underwritten by MACIF · AXA · GENERALI
Products & Pricing
Three covers. One application.
Transparent monthly premiums, freely combinable. Every cover stays yours when you change employer.
Lump-sum payout
from € 33/ month
Lump-sum payout up to € 600,000 if you permanently lose your medical fitness.
Cover for your family
from € 28/ month
Cover in case of death — for you and your family, underwritten by AXA & GENERALI.
Why APPN
By pilots, for pilots — since 1957.
A non-profit aviation insurance association that returns premiums to its members and works directly with top European underwriters.
01 · Non-profit
Registered in France since 1957.
Volunteer board, minimal overheads, annual premium refunds depending on the financial year.
02 · Scale
18,000+ pilots insured worldwide.
Members from airlines across the globe — including a strong base in the Middle East.
03 · No re-exam
No additional medical check.
Apply directly on the basis of your valid ICAO Class 1 — no extra medical hoops to jump through.
04 · Portable
Your policy stays yours.
Change employer, change base — the cover follows you. No restart, no new underwriting.
05 · Flexible guarantees
Adjust cover up to age 45.
Step up your guarantees with career progression; reduce them any time within 30 days.
06 · Cancel any time
30 days' written notice.
Remaining premiums are refunded. No lock-in, no surprises.
Underwritten by
MACIF
AXA
GENERALI
What's covered
Three covers, in detail.
Temporary & Permanent Loss of Licence are underwritten by MACIF; Life cover is shared between AXA & GENERALI. Maximum joining age is 45 (cadet pilots: 35).
Up to € 12,000/month, for up to 3 years.
- Payout starts after the 28th day of confirmed medical unfitness.
- 50% of guarantees for 3 months, then 100% up to 2 years, 75% in the final year.
- Coverage to age 65. Recommendation: cover ≈ your net monthly salary.
- Automatic alteration every ~18 months to keep pace with salary inflation.
Lump sum up to € 600,000.
- Full payout if you permanently lose your medical Class 1 fitness.
- Maximum starting capital € 380,000 for new members.
- Suggested cover ≈ 4× your net annual salary.
- Can be taken alongside or independently of Temporary cover.
From € 28/month — for you and your family.
- Covered to age 65 (extension to 75 possible with limitations).
- Maximum starting capital € 330,000 for new members.
- Underwritten jointly by AXA (FR) and GENERALI (IT).
- Stays with you when you change employer or retire.
Example monthly premium
| Pilot, 30 | Pilot, 40 | Pilot, 45 | |
|---|---|---|---|
| Temporary LoL — cover | 5,000 € | 8,500 € | 5,000 € |
| Permanent LoL — cover | 340,000 € | 340,000 € | 340,000 € |
| Total premium / month | 131 € | 202 € | 361 € |
Guarantees are your choice. Industry standard: Temporary cover ≈ your net monthly salary; Permanent ≈ 4× your net annual salary. Final premium depends on your chosen guarantees and personal details.
How to apply
Apply in a few steps.
Two routes: complete the enquiry form below for a guided start, or submit the printable PDF application directly. Cover begins on the 1st of the following month for applications received by the 19th.
- 01
Download
Get the application form (or use the enquiry form below).
- 02
Guideline
Follow the instructions on page 1 of the form.
- 03
Scan
Scan your documents (mobile or scanner).
- 04
Size
Max 3 GB — JPEG or PDF.
- 05
Submit
Send the form with all required documents.
- 06
Start date
Submit by the 19th — cover starts the 1st of next month.
- 07
Acknowledgment
APPN confirms on working days (Mon–Fri).
What you'll need
01 · Licence
ICAO ATPL
Based on your current employment.
02 · Medical
Valid ICAO Class 1
From your aviation medical examiner.
03 · Salary note
Latest payslip
Or a current salary certificate from your employer.
04 · Payment
Credit card or SEPA
Set up direct debit or pay quarterly by card.
Product enquiry · MEA
Loss of License insurance
for pilots working in the Middle East
For more information about the Loss of License insurance and your options, please use the contact form. We reply within one working day.
Prefer paper? Send the printable application by post or scan it back. Maximum joining age 45 (cadets 35). Cover begins the 1st of the month following receipt of a complete application by the 19th.
FAQ
Frequently asked questions.
Waiting periods, payment, changing employer, age limits — the most common questions from MEA-based pilots.
Is there any waiting period before I can claim?
No waiting period to join — but the Temporary Loss of Licence benefit becomes effective after the 29th day of confirmed sickness. A written letter suspending your Class 1 medical, issued by your authority or medical department, is required.
How long can I benefit from Temporary Loss of License?
Up to 3 years per case, and multiple times over the life of the policy. See the payout schedule (50% for 3 months, 100% up to 2 years, 75% in the final year).
Can I keep my insurance when I change employer?
Yes. Inform APPN of the change, send your new Class 1 medical and a current salary certificate. Temporary Loss of Licence cover may be adjusted per T&Cs.
How do I pay the premiums?
Credit card (quarterly, half-yearly or yearly) directly to APPN. With a European bank account you can also use SEPA direct debit monthly. Cadets pay annually.
How long can I keep the Loss of License insurance?
Temporary Loss of Licence runs to age 65 (then auto-cancelled). Permanent Loss of Licence runs to 60, extendable to 65 on request.
What's the maximum joining age?
You must subscribe before age 45. Cadet pilots: before age 35.
I'm not employed in the Middle East — can I still join?
Yes, directly with APPN. IFP is the official channel for pilots employed and operating within the Middle East; a different premium table and membership fee may apply elsewhere. Contact APPN International →
What's the "working capital"?
A fully refundable deposit. It's a safety buffer — if a card payment is declined, you stay covered for up to 3 months while the issue is resolved.
Why the € 7 monthly membership fee?
APPN is non-profit and can't take commission — premiums flow directly to the underwriters. The € 7 covers monthly administration only. Cadets are exempt until they obtain their ATPL.
Can I change my guarantees later?
Yes — decrease any time (within 30 days). Increases follow a career-progression rule: typically after employer change or promotion (T&Cs apply). Alteration form available on request.
Resources
Downloads.
Application form, premium tables, and full terms & conditions from each underwriter. For pilots employed in the Middle East.
06 · Application
Application form
General application form for the Loss of Licence insurance with APPN.
05 · PremiumPremium tables
Premium tables for Temporary, Permanent Loss of Licence, Life insurance.
04 · LifeLife insurance handout
Life insurance handout including the Beneficiary designation form.
01 · MACIFLoss of Licence T&Cs
Terms & Conditions of the Loss of Licence insurance provider MACIF.
02 · AXALife insurance T&Cs
Terms & Conditions of the Life insurance provider AXA.
03 · GENERALILife insurance T&Cs
Terms & Conditions of the Life insurance provider GENERALI.