GlobalCare® Pilots Health Plan

Worldwide Comprehensive
Health Insurance for Pilots

baymac.net
In partnership with:
TABLE OF CONTENTS

OVERVIEW 4
PLAN ELIGIBILITY 5
KEY BENEFITS 6
SUMMARY OF BENEFITS 7-8
ANNUAL PREMIUMS 9
ENROLLMENT 10 - 11
FREQUENTLY ASKED QUESTIONS 12 - 15

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Coverages, terms, conditions and exclusions subject to policy document.
OVERVIEW

Baymac has partnered with Clements Worldwide to provide world-class insurance

solutions, underwritten by Lloyds of London, to its members. Together, Baymac and
Clements have created the GlobalCare® Pilots Health Plan, a comprehensive health
insurance coverage specifically designed to meet the needs of professional pilots
globally.

About Clements Worldwide

Founded in 1947, Clements brings extensive experience in the international

insurance domain. As a Lloyds coverholder, our insurance solutions are designed in
direct response to extensive international experience and the feedback we receive
from clients around the world. With a reputation for unparalleled customer service,
Clements is the preferred insurance provider for international risks.

• Most of our clients have sophisticated international operations. We travel

frequently—often to more than 40 countries a year— to meet with them and
discuss their insurance portfolio: progress, claims and renewals.

• Our company's strength lies in the quality and depth of our products and staff.

• With three strategic office locations in Dubai, London, and Washington DC, we
are uniquely positioned to provide dedicated support with teams of Account
Executives and Account Managers assigned to each client.

• Our long-term client relationships are a recognition of our high standard of

service and strong customer confidence in our capabilities.

The Baymac GlobalCare® Pilots Health Plan

The Baymac GlobalCare® Pilots Plan has been designed to meet the needs of pilots,
worldwide. Pilots and their families living and working abroad are often faced with
domestic or employer-provided health plans that fall short of their needs, standards
of medical care that may vary significantly from country to country and encounter
challenges finding access to the best medical providers.

With the Baymac GlobalCare® Pilots Health Plan we offer superior health care
coverage with claims staff available to assist you in several languages via our 24-
hour toll-free centre.

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PLAN ELIGIBILITY
The Plan has been designed to include pilots within the Baymac Professional Pilots
Group and their dependents.

To be eligible for enrollment, pilots must meet the following criteria:

• Must be actively employed as a pilot at time of enrollment

• Must hold a valid Commercial Pilot’s License (CPL) or Air Transport Pilots
License (ATPL)

• Must have a valid medical certificate issued by an aviation medical practitioner

(AME) approved by the licensing authority for the CPL or ATPL held.

• Active Baymac Membership

No medical underwriting is required for pilots under 63 years of age. Pilots who
are 63 years of age or older at the time of enrollment are required to complete a
medical form and may be required to provide additional medical information if
required by the underwriters.

Applicants must be outside of the U.S., Canada, their respective territories or

possessions at the time of policy inception or renewal.

If you are a Canadian or U.S. citizen then you must plan to reside outside of the U.S.,
Canada, their respective territories or possessions for at least 6 out of a continuous
12-month period.

If not a United States citizen, you must reside outside of your home country for at
least 6 months and outside of the USA, Canada and their respective territories for at
least 9 months out of any continuous 12 month period. You must have less than 90
days of continuous medical treatment in USA/Canada and/or your home country.

Dependents who meet the following criteria are eligible for medical coverage under
the Plan:
• Lawful spouse or Domestic Partner of an Insured; or
• A dependent child of an insured under age 26 years including child of the
Insured’s lawful spouse; or
• Natural, adopted or children under the legal guardianship of the insured
including step children who are at least 51% dependent upon the Insured
Person for support; or
• Unmarried children 19-26 years of age provided such child is a full-time student
in an accredited educational institution and is not employed on a full-time
basis.
At all times during the policy period, Baymac Professional Pilots Group members
must be members in good standing.

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Coverages, terms, conditions and exclusions subject to policy document.
KEY BENEFITS
Coverage Highlights:

1. This program provides comprehensive medical coverage on a worldwide basis,

allowing insured’s to seek treatment anywhere in the word.

2. Provides USD 5 million lifetime limit in healthcare benefits.

3. No medical underwriting or medical tests required for pilots less than 63 years
of age.

4. Coverage for professional pilots and their families. Children 18 and under are
covered as part of the policy. Children age 19 to 26 are eligible as dependents,
as long as they are registered in an accredited educational institution.

5. Select your doctor; the plan does not limit you to any particular doctor or
practitioner outside the U.S. (out of network condition may apply in U.S.)

6. Pre-existing, Hereditary, Critical Illnesses, and Congenital conditions are covered.

Maternity is covered subject to a 12-month waiting period. Mental and Nervous
disorders are covered subject to an 18-month waiting period.

7. Program is guaranteed admittance for Baymac Professional Pilot Group

Members.

8. Claims are handled by a third-party administrator (HTH) with multi-lingual

representatives, available 24/7.

9. This policy provides optional coverage for dental (emergency dental included in
the standard Plan), and Accidental Death and Dismemberment (AD&D).

10. Flexible payment options.

11. Air Ambulance and Medical Evacuation services are included at no additional
cost.

12. Coverage continuation post-retirement.*

13. Multi-lingual servicing capabilities for doctor consultations.

6 *Subject to the laws of your home country.

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SUMMARY OF BENEFITS*
BENEFIT COVERAGE
General Benefits
USD 5,000,000 lifetime max.
Overall Maximum Benefits (Treatment worldwide, including US)

Eligibility Actively at work pilot with CPL or ATP license.

Accidental Damage of Teeth Covered up to USD 2000 per accident
AIDS Covered** (up to policy limit)
Complications of Pregnancy and Childbirth USD 100,000 (max/lifetime)
Congenital Conditions USD 300,000 (max / lifetime)
Hereditary Conditions Covered (up to policy limit)
Maternity - Cesarean-Section 50% of USD 15,000 max
Maternity - Normal Delivery 50% of USD 10,000 max
Newborn Coverage Must be added within the first 31 days of birth
Nursing Care - Home or Convalescent Home Max 30 days per condition
Oncology Covered (subject to co-insurance and policy limit****)
Passive War and Terrorism Covered (subject to co-insurance and policy limit****)
Pre-existing Conditions Covered*** (subject to co-insurance and policy limit****)
Repatriation of Mortal Remains USD 10,000
Treatment Abroad Direct Billing for most hospitals and practitioners
Waiting Periods
Maternity Covered (12 months waiting period)
Mental and Nervous Conditions Covered (18 month waiting period)
Minor Surgery Immediate Coverage
Newborns Immediate Coverage
Organ Transplant Immediate Coverage

In-Patient Benefits (Pre-certification required except in emergency)

CT, PET and MRI Scans Covered (up to policy limit)
Day-care Treatment Covered (up to policy limit)
Organ Transplant USD 500,000 lifetime max
Parental Accommodation Covered (up to policy limit)
Prescription Drugs, Doctors’ Fees, Diagnostic Tests Covered (up to policy limit)
Room and Board Covered (up to policy limit)
Surgical Procedures Covered (up to policy limit)
* Summary of Benefits subject to policy document, limitations and exclusions may apply
** AIDS not covered if contracted prior to enrollment date
*** Mental, Nervous conditions, and Maternity are subject to waiting periods.

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**** 100% coverage for claims filed outside the USA. 100% coverage for claims filed in-network. 80% coverage for
claims filed out of network in U.S.

Coverages, terms, conditions and exclusions subject to policy document.

SUMMARY OF BENEFITS
BENEFIT COVERAGE

Out-Patient Benefits

Accident & Emergency Treatment Inside Coverage Area Covered (up to policy limit)

Accident & Emergency Treatment Outside Coverage Area Covered (up to policy limit)
Covered - up to USD 250
(Acupuncture, Naturopathy, Osteopathy,
Alternative Medicine Magnetic Therapy, Herbal Therapy, Massage
Therapy, Aroma Therapy and Vitamin Therapy)

Check up Wellness - USD 250 annual

Chronic Conditions Covered (up to policy limit)

CT, PET and MRI Scans Covered 100% (Pre-certification Required)

General Practitioner, Specialist Fees and Diagnostic Tests Covered 100%

Hospice Care / Terminal Care Covered (Pre-certification Required)

Out Patient Benefit Sublimit Covered (up to policy limit)

Out Patient Surgery Covered (up to policy limit)

Prescribed Physiotherapy Covered (Pre-certification Required)

Prescription Drugs Covered with USD 10 or USD 20 co-pay

(per 30 day supply)

Rehabilitation Covered 80%

Covered with rider at maximum limit of USD

1,000 and USD 100 deductible: Class I- 100%;
Routine dental
Class II-80% and Class III-50%
(18 months waiting period to apply for Class III)

Vaccinations Covered up to USD 250 - no deductible

Additional

Air Ambulance & Emergency Medical Evacuation USD 75,000

Emergency Reunion Covered (up to policy limit)

Local Ambulance USD 15,000 per occurrence

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ANNUAL PREMIUMS - INTERNATIONAL EXPATRIATE PLAN
New enrollee rates effective December 1, 2015.
For renewals contact Clements Worldwide - +1.202.478.6589 | cps@clements.com

International Expats U.S. / Canadian

Program Description
Eligible Members
Medical Insurance - Option 1
(Non U.S. / Canadian) Nationals
Int’l pilots living and U.S. / Canadian pilots living
working outside their and working outside the
home country U.S. / Canada
Annual Premiums

Deductible USD 1,000 USD 1,000

Pilot and Spouse (to age 62*) USD 1,599 USD 1,800
Young Adults —
Dependent Children USD 786 USD 900
(age 19-26)**
Children (11-18) USD 560 USD 630

Children (0-10) No Charge No Charge

Medical Insurance - Option 2 Annual Premiums

Deductible USD 500 USD 500

Pilot (to age 62*) USD 1,680 USD 1,890

Spouse / Domestic Partner USD 1,755 USD 1,950

Young Adults —
Dependent Children USD 786 USD 900
(age 19-26)**
Children (11-18) USD 560 USD 630

Children (0-10) No Charge No Charge

Optional Dental Expense Benefits

Ages Annual Premiums

0-4 No Charge No Charge

5-14 USD 196 USD 196

15-74 USD 425 USD 425

Optional AD&D Benefit Annual Premiums

Age 0-65 USD 100,000 USD 100 USD 100

Age 66-74 USD 50,000 USD 50 USD 50

Vision No Charge No Charge

* Age 63 and over are subject to medical underwriting.
** Children must be unmarried and full-time students.

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Coverages, terms, conditions and exclusions subject to policy document.
HOW TO ENROLL
Existing Baymac Pilot Members
For existing members of the Baymac
Professional Pilots Group, download and
complete the online Baymac GlobalCare® Pilots
Application form at:
www.baymac.net
Within five business days of receiving your
application, you will be informed whether your
application has been accepted or if additional
information is required. Once accepted,
payment may be made to Clements Worldwide
by credit card or wire transfer.
For payment details contact Clements
Worldwide at +1.202.478.6589, +1.800. 693.1087
or via email at cps@clements.com Monday
through Friday between 8am to 5pm EDT.
Non-Members
The Baymac GlobalCare® Pilots Health Plan is
available exclusively for Baymac Professional
Pilot Group Members. Pilots holding a valid
Commercial or Airline Transport Pilot License
are eligible for membership of the Baymac
Professional Pilots Group. Complete the
Baymac Professional Pilot Membership Online
Application at www.baymac.net and submit
payment for membership fees as provided in
the Application Form.
On acceptance of your application, you will
be provided with a membership number that
will be required for each applicant wishing
to purchase the Baymac GlobalCare® Pilot
Health Plan. Membership is confirmed once
your payment has been received and your
application approved.
For non-members interested in knowing more
about the Baymac GlobalCare® Pilot Health
Plan, contact Baymac at +971 55 111 3674 or
email at info@baymac.net.
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Effective Date of Coverage
Once accepted, you will be given an effective
date of coverage and a kit containing your
Identification Card, Certificate of Coverage,
and instructions on how to use your insurance
coverage. Included in your instructions will
be details on how to access to Clement
Worldwide’s international and U.S. PPO Network
and information providing you with an online
suite of tools and resources to help you locate
and obtain quality medical care throughout the
world.
Renewals
The Baymac GlobalCare® Pilots Health Plan
is renewable annually. Renewal is subject to
continued eligibility.
Filing a Claim
Claims can be filed in the following ways: online,
mPassport app, email, fax or mail.
• Submit separate form for each patient &
complete in its entirety
• Attach Itemized Receipts, Invoices or Bills
• Select the preferred reimbursement currency
supported by your bank
• Select your Reimbursement Option (Check
vs. Wire transfer- faster method using ACH
with US bank accounts).
• For claims payment and wires, the payments
can only be made to the primary insured
(pilot) member and not to the dependents.
Members should make sure that only
the primary insured member’s payment
information i.e. bank details are on the claim
form. If the name on the bank account does
not match the primary insured, then a claim
cannot be settled.
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ENROLLMENT (cont.)
Pre-Certification Accidental Death, Accidental Loss of Limb or
Certain benefits under the Baymac GlobalCare® Sight
Pilots Health Plan require pre-certification Optional benefits up to USD 100,000 are
to receive the full benefits under the Plan. available for loss of sight, loss of limbs or loss of
This simply means that you must contact the life at an additional annual premium.
GlobalCare® third party administrator as soon
as possible before a planned hospitalization
or surgical procedure, within 48 hours of an
emergency hospital admission, or within the
first 90 days of pregnancy. Pre-certification
allows us to establish contact and make
payment arrangements with your providers.
Pre-certification may be done by logging
online through the GlobalCare® website or by
calling the phone number on the back of your
insurance card.

Medical Monitoring
Clements Worldwide through its network
provide consultations with attending medical
professionals during hospitalization and provide
a single point-of-contact for family members
to receive ongoing updates regarding medical
status.

Post Retirements Benefits

Pilots may remain on the Baymac GlobalCare®
Pilots Health Plan post retirement for as long
as they remain a member of the Baymac Pilot
Group and continue to meet the eligibility
requirements. Post-retirement benefits are
subject to the laws of your home country.

Optional Benefits

Dental
There is a USD 100 deductible for dental
coverage, with a maximum coverage amount
of USD 1,000 per individual. Diagnostic and
Preventive dental services (Class I) and Basic
Restorations, Endodontics, Periodontics,
Prosthodontic Maintenance and Oral Surgery
(Class II) are covered immediately, at 100% and
80%, respectively.
Major Restorations, Dentures and Bridgework
(Class III) require an 18 months of a policy
period (a renewal would take effect) before
50% of coverage takes effect.

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Coverages, terms, conditions and exclusions subject to policy document.
FREQUENTLY ASKED QUESTIONS*
1. What is the GlobalCare® Pilots Plan?
The GlobalCare® Pilots Plan is specifically
designed to meet the needs of professional
pilots and their families by providing worldwide
major health insurance coverage. This program
is offered by Clements Worldwide, a Lloyd’s
coverholder who has provided comprehensive
global insurance for multinationals worldwide
for the last 68 years.
2. Do I require additional healthcare cover if I
already have coverage by my airline?
This plan is supplementary to any employer
or locally required plan. Many airlines provide
some medical coverage for their employees.
In many instances the coverage provided has
several limitations and major medical treatment
may either not be covered, not be totally
covered, or may require lengthy approval
processes, often being financially limited to
the cost of local health care. The GlobalCare®
Pilots Health Plan is cost effective, transparent
and covers most medical conditions globally.
Approval is fast (not required in the event of
an emergency), and lifetime coverage is up to
USD 5M per person. Pilots and their families
have the peace of mind of knowing that in an
emergency, when treatment is not provided
locally, transportation is available (by ground or
air ambulance), without concerns about cost or
employer approval. Employers have the benefit
of knowing that major worldwide medical
coverage is provided to their employees at
lower costs than that included in many local
medical plans.
3. What are the advantages of the Baymac
GlobalCare® Pilots Plan?
The Baymac GlobalCare® Pilots Health
Plan provides pilots and their families with
worldwide access to a superior level of medical
and healthcare professionals. The GlobalCare®
Pilots Health Plan is flexible, covering pre-
existing conditions, post- retirement benefits,
as well as being easily transferable when pilots
are required to change employment. The
following additional benefits make the Baymac
* See policy for full terms and conditions
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GlobalCare® Pilots Health Plan a leader in its
class:
• Competitive premiums
• Optional deductible of USD 500 or USD
1,000
• Truly Comprehensive Cover
• Children under 11 years of age are covered
at no additional cost. Reduced rates for
students up to 23 years of age
• Worldwide network
• 24 hours claims assistance
4. Are Pre-existing conditions covered?
Yes. Pre-existing conditions are covered, but
Mental and Nervous disorders which require
an 18 month waiting period before cover
starts; Maternity coverage requires a 12-month
waiting period. This plan does not cover HIV/
AIDS if contracted before policy inception date.
Baymac does not, however, expect persons
to apply for coverage for the main purpose
of claiming for treatment of pre-existing
conditions.
5. Is outpatient treatment covered?
Yes. See Summary of Benefits.
6. Are prescription drugs covered under
outpatient treatment?
Yes. See Summary of Benefits.
7. Are congenital conditions covered?
Yes. Unlike many policies which exclude
congenital conditions, or only cover them
when diagnosed during the policy duration,
the GlobalCare® Pilots Health Plan will provide
cover.
8. What is the USD 5 million lifetime coverage?
Under the GlobalCare® Pilots Plan the policy
provides coverage for a lifetime limit of USD 5
million for each family member covered under
the policy.
9. Can I choose any doctor, clinic or hospital
any where in the world?
Yes. You are free to use the doctors, clinics and
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FAQ (cont.)
hospitals of your choice. The GlobalCare® Pilots
Plan does not limit you to a particular network
of doctors or hospitals (in the USA subject to
out-of-network conditions).
10. What is the Preferred Provider Network
and is it only for the USA?
The Preferred Provider Network (PPN) is a
large network of hospitals within the US only
where arrangements have been made with the
insurance provider for treatment of its clients
within the US. Utilization of this network allows
for 100% benefits to be available for treatment
in the US.
11. What if I require treatment in the USA but
choose not to use a hospital or clinic within the
PPN?
You may choose to use other hospitals of your
choice within the USA. Where a hospital is
chosen within the USA that is outside of the
PPN, 80% of the benefit will be paid.
Outside of the US the PPN is not applicable
and 100% of the benefits are available for all
doctors, clinics and hospitals. (subject to policy
terms and conditions)
12. Are Air Ambulance and Medical Evacuation
available?
Yes. In the event of acute or serious injury air
ambulance expenses are covered to the nearest
suitable place of treatment in cases where no
qualified treatment can be obtained locally.
(This is only applicable to expatriates, subject to
approval by claims administrators)
13. Who is eligible for the GlobalCare® Pilots
Health Plan?
To purchase the GlobalCare® Pilots Health Plan
you must be actively employed as a pilot, hold a
valid Commercial Pilots License or Air Transport
Pilots License and a valid aviation medical. You
must also be a member in good standing of
the Baymac Professional Pilots Group, and you
must be a fully paid up member if not otherwise
exempted.
Coverages, terms, conditions and exclusions subject to policy document.
14. Are my family members eligible for cover
under the GlobalCare® Pilots Health Plan?
The dependents of the Baymac members
enrolled in the program who meet the following
criteria are eligible for medical coverage under
this plan:
Spouse: Spouses of eligible pilots may become
members of the Baymac Group. This includes
common law as defined by legislation in the
employee’s home country. Once a member, a
spouse may obtain cover under the plan.
Children: Children of a pilot or pilot’s spouse
who are natural or legally adopted by the pilot
or his or her spouse and are unmarried, may be
covered under the plan. A child, whose parent is
eligible for maternity coverage, is automatically
enrolled in the parent’s policy regardless of the
child’s state of health. Congenital and hereditary
conditions are covered. Clements Worldwide
must be notified upon birth of a newborn.
On reaching 19 years of age a child can continue
to enjoy cover, provided they are unmarried
and a full time student at an accredited tertiary
institution, until their 26th birthday without
having to undergo new medical underwriting.
The child will be removed from the policy after
their 26th birthday.
15. My children study overseas; can they be
enrolled in the plan?
Yes. Up to 26 years of age.
16. Can my children be covered if my wife is
not on the plan?
Yes. (subject to age limitations)
17. How do I apply?
Visit www.baymac.net and join the Baymac
Professional Pilots Group. Applications are
made online. Once your Baymac membership
is approved you will receive a membership
number that you may use to apply for
your GlobalCare® Pilots Health Plan on the
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FAQ (cont.)
Professional Pilots Group Page. Clements will
process your application for the healthcare plan.
A response will usually be provided within 5
working days.
18. Can I enroll or renew my policy if I am in
the USA?
You may enroll and renew your policy if you are
on vacation in the US or if you reside in the US
but intend to depart the US or Canada within 30
days, and will reside out of the US or Canada for
6 months or more per year.
19. Can we enroll for the GlobalCare® Pilots
Health Plan at any time or is enrollment open
for a limited time?
Once you have been accepted as a member of
the Baymac Professional Pilots Group, you may
enroll at any time. Application for membership
may be found at www.baymac.net.
20. My family lives at home but I am an expat.
Is my family able to use this plan at home?
Yes.
21. I am a US/Canadian citizen living overseas.
My children are going to the US/Canada (or
home) to study. Will they continue to be
covered?
Yes. As long as the pilot resides outside the
country his family continues to receive all the
benefits of the plan wherever they reside. The
Plan is not ACA compliant and US nationals are
required to have a local US plan. All applicants
and policy-holders are responsible to ensure
compliance with the local laws of their country
of residence and/or citizenship.
22. If I lose my pilot’s medical or license can I
renew the plan?
Yes. A valid pilot’s medical and license are
required for initial enrollment, however, if you
lose your license or medical after being on the
plan you are able to renew your policy.
23. If I leave my job or the profession of flying
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can I remain on the plan?
Yes. The plan is designed for you to be able to
continue on it if you change your employer or
lose your job. You and your family can stay on
the plan as long as you remain a member in
good standing of the Baymac Professional Pilots
Group (abiding by the rules of membership and
have paid the annual membership fees).
24. Is the GlobalCare® Pilots Health Plan a top-
up plan, or does it stand alone as a primary
plan?
The GlobalCare® Pilots Health Plan can work
as a primary plan if the member has no other
health insurance, and as a secondary plan if the
member has other health insurance coverage
and/or is required by local law. Whatever is
not covered by the member’s primary may be
covered by the GlobalCare® Pilots Health Plan
to the coverage limits of the plan. This plan is in
excess of any employer or locally required plan.
25. What happens with my plan when I retire?
You and your family may continue on the plan at
the retirement level (continuation plan). You will
however need to inform Clements Worldwide
when you retire to enable them to check that
the plan does not contravene the laws of your
home country and that there are no changes
to the terms or premium. The policy requires
that the insured provide further medical
information for medical underwriting after
the age of 63. Results of medical underwriting
and age change will lead to an adjustment in
premium.
26. Is the GlobalCare® Pilots Health Plan for
expats only?
No. Two separate health plans have been
designed: one to cover expatriates and another
for local nationals. The GlobalCare® Pilots Health
Plan covers expatriates working in foreign
countries and the families of expatriates who
may be at home or abroad.
A separate GlobalCare® Pilots policy for pilots
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FAQ (cont.)
who are local nationals working in their home
country is also available under separate terms.
Pilots working in their home country who are
interested in receiving international cover may
obtain details on the Local National policy
by contacting Baymac at info@baymac.com.
Additional plans are also available to airline
management and staff.
27. Can premiums be paid monthly?
Yes. Premiums are in US Dollars and may be
paid monthly, quarterly, bi-annually or annually.
There are no penalties for monthly payment
however, the equivalent of a 2.5-month premium
is deducted initially for monthly payments to
avoid the policy lapsing in the event of any
issues preventing payment going through on
the credit card provided (e.g. lost or stolen
cards, replaced cards, etc.)
28. What is a deductible? Is this per claim or
per year?
The deductible is the amount each individual
must pay per year (not per claim) on their
medical costs before claiming on the Policy.
Some benefits do not require a deductible, e.g.
annual check-up.
favorably with other international policies.
The inclusion of such conditions as Hereditary,
Congenital and Chronic, which are often
excluded in other policies, and the benefit of
elective treatment worldwide (including in the
USA and Canada), has made the GlobalCare
Pilots Health Plan popular among pilots.
30. When will the policy commence?
Once Clements has been advised of approval of
your membership of the Baymac Professional
Pilots Group and your application for the health
plan has been received, your policy will usually
be issued within 5 working days.
The effective date of the policy will be the
effective date requested by you on application
or the date the policy is approved whichever
comes last. Your policy documents will be
mailed along with your health cards to the
mailing address provided in your application.

For example, if there is a claim for USD 2,000,

the member would pay either USD 500 or USD
1,000 based on their selection at the time of
application, and then claim for the remaining
balance. If there is a subsequent claim in the
same year for USD 800, then the member can
claim the full USD 800. Where your medical
costs are partially covered by your company,
this amount may be applied to your deductible
for covered illness or injury.

29. How does this coverage compare to other

global policies?
The Plan ranks as one of the few and best plans
available for pilots. It has been designed by
pilots for pilots to ensure the needs of pilots
and their families are met. The policy provides
comprehensive global cover, which compares William Warby

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Coverages, terms, conditions and exclusions subject to policy document.
 In partnership with:

Baymac is the trade name of Baymac Management Services Ltd., an international aviation management consultancy firm consisting of
aviation professionals including international aviation consultants, airline managers and pilots, who specialize in providing turn-key manage-
ment solutions for companies and individuals within the aviation industry. Baymac is not an insurance company or broker, nor does Baymac
provide insurance, financial or investment advice. These services are provided to members by highly regulated organizations licensed to do
so in the relevant jurisdictions. Baymac’s Professional Member Services are only available for paid up members.”
Copyright © 2016 Clements Worldwide. All Rights Reserved.

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