NAIROBI, Kenya, Nov 2 – Britam General Insurance has introduced Kenya’s first-ever Pilot Loss of Licence Cover, offering financial protection to pilots and aviation trainees who lose their medical clearance due to illness or injury.
The policy cushions pilots whose licences are suspended, addressing one of the aviation industry’s biggest risks, sudden loss of income from being declared medically unfit to fly.
“A pilot’s career is a significant investment, and the loss of their licence, even temporarily, can have serious financial consequences,” said Britam General Insurance CEO James Mbithi.
The product offers two options – temporary and permanent cover – for pilots registered with the Kenya Civil Aviation Authority (KCAA) and below 65 years.
Under the temporary cover, pilots receive monthly payments equivalent to 2 percent of the insured sum for physical illness or injury and 0.5 percent for psychological illness, for up to 12 months. The permanent cover pays 100 percent of the insured sum for total disability and 25 percent for psychological illness.
Britam said the total insured amount is capped at five times a pilot’s annual income up to retirement, covering both work and non-work-related incidents, but excluding criminal acts, negligence, war, or pre-existing conditions.
Kenya’s aviation sector has been expanding steadily, with more local pilots joining domestic and international airlines.
