Medical Insurance in the event of an aviation accident

Discussion in 'Hangar Talk' started by SixPapaCharlie, Oct 14, 2020.

  1. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    In my medical insurance policy it states that I am not covered should I be injured as a result of a plane crash.

    The salesman joked that "if you crash, make sure you finish dying." That got me wondering.

    If I die in a plane crash, my life insurance still pays. Lets say I crash my plane and I am unable to finish the job, does the coverage in my aircraft policy cover medical bills? I recall it has coverage at some dollar figure for hull and also for injuries.

    Either way, I have a backup plan. When they ask I can just say "I heard my plane crashed in that field so I sprinted there as fast as I could but when I got there, I tripped and fell and broke all my bones."

    Does the insurance we have on our planes cover medical expenses as a result of an incident?
     
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  2. GRG55

    GRG55 Final Approach

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    Any plane crash? Commercial, corporate charter too? Or just private GA, or just one in which you are PIC?

    Mine is very specific to the latter only.
     
  3. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    I think its just the latter.
     
  4. wsuffa

    wsuffa Touchdown! Greaser!

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    A lot of life insurance policies don't cover plane crashes either if you are pilot or crew.
     
  5. EdFred

    EdFred Taxi to Parking

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    About a 30% upcharge on mine to cover me dying in a non 121 crash.
     
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  6. Van Johnston

    Van Johnston Cleared for Takeoff

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    There's your out. Let your flight review or medical lapse and you won't be PIC.
     
  7. Kelvin

    Kelvin En-Route

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    300px-Modern_Problems_Require_Modern_Solutions.jpg
     
  8. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    HAHA!!!!
     
  9. ColoPilot

    ColoPilot Pre-takeoff checklist

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    Wow, I knew some life insurance excluded flying from policy coverage, but I never knew medical insurance did that. Is this a group policy from an employer? I guess I should read all that fine print...
     
  10. MauleSkinner

    MauleSkinner Final Approach

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    My medical insurance at my last job specifically excluded aviation activities. Naturally it was a flying job, but as the only one there who flew for fun, I got the same “who cares?” that I got about other issues.
     
  11. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    Not through an employer, We got it on our own through a 3rd party.
     
  12. SoonerAviator

    SoonerAviator Final Approach

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    I wonder what a-hole at the insurance company decided that aviation activities needed to be an exclusion for medical coverage. Do they also exclude riding motorcycles or bull riding?
     
  13. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    It excludes high risk activities, Flying, Skydiving, etc. Not sure about motorcycles. Aside from the exclusions, it is a better cheaper plan than either of our employers offer.
     
  14. SoonerAviator

    SoonerAviator Final Approach

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    I just don't understand the actuarial difference between flying GA and riding a motorcycle, statistically. It seems odd to have GA as an exclusion unless they have a really high rate of high-expense incidents related to it. I understand the exclusion on many life insurance policies since a large portion of GA flying incidents result in death, but how many times is a health insurance carrier dealing with injuries resulting from a C172?!
     
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  15. ColoPilot

    ColoPilot Pre-takeoff checklist

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    I'm not sure, but I would assume it's like the medical limits in your car policy, it doesn't cover you, just the people you injure (liability).
     
  16. denverpilot

    denverpilot Tied Down PoA Supporter

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    Quite a few life and group AD&D policies exclude aviation.

    And most aircraft policies have incredibly (unrealistically) low medical coverages, usually limited “per seat”, not to mention unbelievably low liability coverages.

    Main medical policies are a mixed bag but mostly cover, just watch out for doing anything “commercial” in aviation on those.

    But... they’re cheap! :)

    Kinda like that “State minimum” car insurance that’ll leave you completely exposed and then cancelled with any claims. Oh... you have assets and don’t carry an umbrella liability rider? Bummer.

    Fine print... fine print...

    Often you can ask to change any of the above. Usually via manual underwriting.

    Vast majority of agents / salespeople have zero interest to do that at the big companies — if it isn’t in the computer they’re not in the mood to do the paperwork.

    More effort / time than they’ll make in commissions I guess.

    Pretty easy to fix, but you have to push a wet rope uphill.

    Ask for specific coverages you want and get them in writing, standard insurance company dealings...
     
  17. Jeff Oslick

    Jeff Oslick En-Route

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    Sounds like a lot of medical insurance policies in the US. They're great until you get sick.
     
  18. hindsight2020

    hindsight2020 En-Route

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    Quoted you because I can't like it twice, plus stating my sentiments on the topic would get me banned.
     
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  19. wsuffa

    wsuffa Touchdown! Greaser!

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    Here are the exclusions on an international traveler's plan (supplemental as they require a primary policy issued in the US):

    Loss arising from
    a.participating in any intercollegiate/interscholastic sport, contest or competition;
    b.participating in any intramural sport competition, contest or competition;
    c.participating in any club sport competition, contest or competition;
    d.participating in any professional sport, contest or competition;e.while participating in any practice or condition program for such sport, contest or competition;
    f.Racing or speed contests;g.sky diving, mountaineering (where ropesor climbing gearare customarily used), ultra-lightaircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.
    53.Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers (charter or common carrier).

    There is also a limitation of $25,000 after the deductible for: "Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor)"

    And that's just a supplemental plan.
     
  20. EdFred

    EdFred Taxi to Parking

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    I noticed that free climbing isn't excluded. Using safety gear = bad. Using no safety gear = OK.
     
  21. jsstevens

    jsstevens Final Approach PoA Supporter

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    It's medical coverage. Using safety gear+fall = injured. No safety gear + fall = dead. :)
     
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  22. danhagan

    danhagan Pattern Altitude

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    Who is your carrier? I've seen life insurance restrictions, but had never seen this for medical insurance ... haven't been specifically looking for it though.

    Am in the medical field and insurance company profits are about 10x higher than before, but I get paid $19 to $36 for breast ultrasound exams (used to be lowest was $250 prior to the 2008-2016 administration - also my employee coverage used to be $1200 per year and is now near $12000 per year:eek::confused: they're making money hand over fist).
     
  23. MauleSkinner

    MauleSkinner Final Approach

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    Probably more due to the size of the populations making one worth an actuary’s time but not the other.
     
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  24. EdFred

    EdFred Taxi to Parking

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    True, but that also depends how far you fall. If I fall from 30' up, probably still gonna survive. :D
     
  25. midlifeflyer

    midlifeflyer Touchdown! Greaser!

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    I had exactly the same question. Aviation exclusions are common in life, disability, homeowners, and umbrella coverages. Doesn't mean it can't exist, but I have never heard of one in a "standard" medical insurance plan from one of the "majors" - the Blues, UHC, Humana, CIGNA, AETNA, etc.
    upload_2020-10-14_15-28-55.png
     
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  26. Half Fast

    Half Fast Final Approach

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    What insurance company?
     
  27. midlifeflyer

    midlifeflyer Touchdown! Greaser!

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    You have to read it to know the answer, but generally speaking, other than hull coverage, which covers the airplane, and medical expense coverage, which is typically pretty small even if it does cover the crew, aircraft policies are liability policies to cover injuries you might cause to someone else.
     
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  28. EdFred

    EdFred Taxi to Parking

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    I have Banner Life and they DON'T have an aviation exception on my life insurance policy.
     
  29. MauleSkinner

    MauleSkinner Final Approach

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    Apparently you can cheap out and not get the coverage...ours was Blue Cross.
     
  30. midlifeflyer

    midlifeflyer Touchdown! Greaser!

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    You are a good and knowledgeable consumer.
     
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  31. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    Its called Philadelphia American Life
     
  32. SixPapaCharlie

    SixPapaCharlie May the force be with you

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  33. Pascal Forget

    Pascal Forget Pre-takeoff checklist

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    I would assume the long term cost of medical treatments for an injured pilot vs a motorcycle rider would be less on average. I'm thinking of medical conditions arising from an injury that would require $$$ care for the remiander of the injured person's life.

    Just because a pilot getting an injury requiring lifelong care would not last as long as a motorcycle rider getting a similar injury, as the average age of pilots is usually much higher than the average motorcycle rider? When a 22 year old kid crashes with his motorcycle, he might require care for the upcoming 60+ years, but a pilot being 60 years old might require only 25 years of care (on average).
     
  34. midlifeflyer

    midlifeflyer Touchdown! Greaser!

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    You sure you have a medical policy? One that negotiates rates with providers, you pay a co-pay for certain services, in network vs out if network providers, etc.?
     
  35. Lindberg

    Lindberg En-Route

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    Free climbing generally involves safety gear. And it's "mountaineering."
     
  36. Lindberg

    Lindberg En-Route

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    I only see GAP insurance and indemnity policies listed on the website.
     
  37. SixPapaCharlie

    SixPapaCharlie May the force be with you

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    Its an indemnity plan
     
  38. Brad Z

    Brad Z Final Approach PoA Supporter

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    Contrary to the thread title, that's not medical insurance.
     
  39. danhagan

    danhagan Pattern Altitude

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    I think it is a hybrid type plan like Medishare ... I have the option of doing a Humana plan that will reduce my employee rate *IF* they fill out a FULL medical history and insurance prices are based on their coverage and medical history (i.e. skating past pre-existing condition, charging the unhealthy ones higher)
     
  40. Jumpmaster

    Jumpmaster Pre-takeoff checklist

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    That’s why everyone should read, understand and know their policies of insurance. I think it fair to say exclusions and limitations on coverage are growing in every type of policy issued as insurers seek to limit their risks. An watch in particular when your insurance company issues a change o your policy. Actually read the dang thing so you know what change they are making. As a former general counsel of an energy company, I would annually have to review insurance policies with our risk management group. Many times, we had to actually draw diagrams to figure out coverage and identify gaps under common scenarios, and frankly the ever growing list of limitations and exclusions from coverage was mind boggling. Even in those states that have mandated the “plain English” or “easily understood” requirements for insurance policies, some of those policies are not as clear or as straightforward as they should be. Consequently if you have questions, get answers to your questions, preferably in writing in at least the form of an e-mail and save it. And the time to discover where you may have a gap in coverage is now - not when you need the coverage. You don’t need to take a coverage risk.
     
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