Question: What are medical limits on an aircraft insurance policy? Can you explain how they work?
Great question. Medical expense coverage, or sometimes referred to as “Med Pay,” can be defined in a couple of ways. First think of this coverage as a type of “no-fault, few questions asked - slip and fall” insurance. It’s insurance that will pay for medical expenses to passengers and crew, including the pilot. Now medical expenses are typically costs to see a doctor, receive surgical care, x-ray’s, dental work, etc.
So people ask, why such a relatively low amount of medical coverage – with $5,000 or $10,000 being the most common coverage options. This is because this level of coverage is typically included at no charge and is in addition to the liability coverage on your policy. One quick note – additional medical coverage is generally available for purchase from most carriers.
How about an example. If the pilot or passenger stood up too quickly after exiting a Cessna 150 and cut their head, requiring stitches – then the Med Pay coverage would apply. However, if my negligence caused injury to a passenger, then my liability limit would apply.
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