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Since 1999, TopCover has been protecting pilots and their families. When an illness or injury threatens your career, TopCover can provide a monthly income for up to 60 months, providing you time to recover and save your livelihood. Our comprehensive policy includes: - Income Protection for up to 60 months - Personal Accident on/off duty cover up to US$500,000 for pilots and dependents - Critical Illness protection Insurance matters most when you need to claim. TopCover has paid millions of dollars to hundreds of pilots without ever having a claims dispute. TopCover is underwritten by Starr International (Asia) Ltd, the Hong Kong business of Starr Companies. Designed by pilots for pilots, TopCover was originally created for the pilots association of Cathay Pacific Airways providing continuous protection for its members since 1999. When illness or accidents happen the financial insecurity that follows can be devastating. For expatriates the loss of housing, education and other benefits can uproot the whole family. TopCover can take the financial stress out of the situation and allow you to focus on your health and recover your career. Our primary aim is to save your job, protecting your employment and seniority to secure your career earnings. Even if you lose your current employment, TopCover can provide monthly benefits for up to 60 months, giving you time to financially rehabilitate into a new role. Pilots worldwide can access TopCover directly or through their union or employers' group insurance plans. In Hong Kong, all HKAOA members are automatically insured for basic protection. TopCover is portable. If you choose to change your employer, you may be able to take your policy with you. Find out more: For HKAOA members: https://aoa.topcover.com.hk For all other pilots: https://topcover.com.hk "You have control" – choose TopCover.