APIP is an affinity group formed to enable Australian pilots to benefit from the specialist TopCover aircrew insurance policy. The scheme was introduced by AIPA in 2003. All members of the APIP scheme are automatically insured for the Group minimum cover of $1,000 per month of income protection, and can then apply for additional benefits up to the scheme limits of $15,000 per month, plus $500,000 personal accident cover, plus $80,000 of critical illness benefit.

TopCover is an ‘own occupation’ Income Protection scheme that is only available to professional airline pilots. It is the only specialist scheme that is designed uniquely for pilots and should not be confused with other insurance products that appear to offer similar benefits.

Please ensure you take up (or seek) independent advice. TopCover is not available through a broker or financial advisor but only directly from the insurer, saving you any intermediary fees.

TopCover is not loss of licence insurance and is paid in addition to any lump sum you receive from the QANTAS scheme. TopCover is reserved for current full-time employees of Qantas Airways Limited or its wholly-owned subsidiaries and is available to all AIPA members.

A number of AIPA members have received benefits paid through the APIP TopCover scheme over the years. Unfortunately, claims do occur and when they do, members can be certain the TopCover policy will respond to their unique needs. 

If you wish to apply for any increase in benefits you must complete a new application and submit this to the insurer for consideration. Any additional applications submitted will not affect your existing benefits.

Applications must be completed and lodged with the insurer on or before 30 June for the relevant year.

Please access the "PDS access page" link below to download the relevant documents and to proceed to the online premium calculator tool.

Should you require further information about the application process, please contact AIA Australia directly on (03) 9009 4111. Under Australian Law, the PDS must be provided to, and read by all individuals applying for insurance under this product. The online Application Form is therefore only available once the 'PDS read and accepted' tick box has been completed.

The online Application Form will assist applicants with calculating maximum benefits, and annual premiums only, and should be used wherever possible. Please note that this form cannot be submitted electronically; applicants must complete the form, print it off, sign it and either email it to au.topcover@aia.com or post it to AIA Australia.

Under Australian Financial Services legislation any questions relating to the appropriateness of the cover, the amount of cover you should take or any other matter involving advice as to whether or not to enter into a contract of insurance must be referred to a licensed financial adviser. AIA Australia's staff are prohibited under law from giving financial advice, and are restricted to providing only factual information about the policy.

This offer is for the Annual enrolment and open until 30 June for the relevant year. Any premiums due must be paid upon acceptance by AIA Australia.