If total Benefit payout reaches 80% of the opening balance in the Reserve and Benefit Accounts, payout will revert to monthly payout of $10,000.
At the end of the financial year, available balance will be used to pay lump sum in multiples of $10,000 until obligations of the MBO are discharged.
1. Can I join another LOL Insurance while being a member of the ALPA-S MBO?
Members of the ALPA-S MBO may join other commercial insurance if they so choose. They must take cognizance of the limitations and exclusions of the commercial offerings.
2. What is the advantage of choosing the ALPA-S MBO over other commercial offerings?
The ALPA-S MBO can offer members the same level of benefit at a lower subscription. It also offers older pilots above 58 years old, better benefits than commercial Insurers. The joining age limit is also lower than some commercial insurers. Higher benefit up to $500k is possible without any increase in subscription under the ALPA-S MBO, provided the loss experience is within expectations and the Benefit Fund builds a healthy balance.
Members who have suffered a temporary grounding have found the 2% monthly benefit from the Company’s in-house LOL insufficient. A Disability Benefit that pays a monthly benefit will be introduced to provide for members who are under temporary grounding. This facility is not available with commercial insurance offerings.
3. The ALPA-S MBO is a new organization. Will it face start-up problems and issues that may derail its success?
The Rules of the ALPA-S MBO has taken 13 months to evolve, from a simple proposition to its current form. It has also gone through 5 revisions with the Registrar of Mutual Benefit Organisation to ensure clarity and consistency, as well as viability.
Every possible scenario has been thought through, discussed and committed into the Rules.
Suggestions and comments have been solicited from members. Despite vigorous challenges, the concept and Rules have withstood the test.
The Registrar is satisfied that the ALPA-S MBO is robust enough to be registered. Shouldn’t you agree as well?
4. Can the ALPA-S MBO be bankrupt by more than expected losses?
The ALPA-S MBO has in place contingency plans in the event the total yearly payout reaches 80% of the opening balance in the Benefit & Reserve Funds.
Once this limit is reached, payout will revert to a monthly payout of $10k for all loss events thereafter. At the end of the financial year, any funds remaining will be used to meet the obligations of the ALPA-S MBO. Any arrears will be carried to the following year until all the obligations of the ALPA-S MBO have been discharged.
To mitigate loss experience, the monthly subscription may also be adjusted to keep the ALPA-S MBO viable. The monthly subscription will not exceed $150, if at all.
5. What is the difference between commercial premiums and ALPA-S MBO Subscription?
The object of a commercial entity is to make a profit. Over 10 years, NTUC Income has generated almost $5m in profits from ALPA-S. Their premium was raised by 60% in 2012/2013, netting a profit of $1.4m! Insurance premiums will not come down. We will be subject to premium increases at their will.
Experience with other insurance providers, have shown that premiums will only increase, never the other way. In the 1990s, NOALL Loss of Income Insurance for Professionals offered an income protection plan at reasonable premiums.
After 2 years of operations, premiums shot up by between 300% and 1000%, effectively denying anyone of any coverage. OCBC’s PayCare Loss of Income Insurance was on offer for only a few short years, after which, it was withdrawn from the market. IFALPA sponsored LOL Insurance also saw hefty increases in premiums, forcing many pilots not to renew.
Annual subscription of the ALPA-S MBO is expected to reduce substantially, with further savings, within 2 years of operations, provided the loss experience is within expectations.
6. Can pilots from SilkAir, SIA Cargo, Scoot and Tiger join the ALPA-S MBO?
As long as a pilot is a financial member of ALPA-S and meets the joining criteria as spelt out, he/she is eligible to apply for membership in the ALPA-S MBO. In fact, there are already several pilots from Scoot who are members of ALPA-S and the MBO.
If the pilot is not a member of ALPA-S, he/she may apply for membership in ALPA-S. Upon confirmation of his/her membership in ALPA-S, he/she may then apply for membership in the ALPA-S MBO.
7. Can pilots on VNPL apply for ALPA-S MBO membership?
Pilots on VNPL must meet the eligibility criteria and be actively employed as a pilot with a scheduled air carrier, subject to approval by the Management Committee. They must also maintain a valid Singapore Class 1 Medical Certificate and valid Flying Licence issued by CAAS.
8. Is the ALPA-S MBO part of ALPA-S?
The ALPA-S MBO is an independent organization registered with the Ministry of Culture, Community and Youth, and governed by the Mutual Benefit Organisation Act. It exists to provide benefits to members of ALPA-S.
9. Since it is not under ALPA-S, why must members of the MBO also be members of ALPA-S?
The objects of the ALPA-S MBO is to provide benefits to members, who must also be ALPA-S members, in the event they suffer a removal of privileges to their Singapore Class 1 Medical Certificate, or dies. It was mooted, designed and registered for the benefit of ALPA-S members.
10. Why do ALPA-S MBO requires an upfront payment of a Joining Deposit, and a monthly subscription thereafter?
The Joining Deposit serves to provide seed money to allow the MBO to meet its obligations during the initial startup, and is refundable upon resignation from the ALPA-S MBO, ALPA-S or retirement.
11. If I am not happy with the Rules after joining, can I get a refund?
If you resign from the MBO, your Joining Deposit will be refunded. However, your monthly subscription up to the date your membership ceases, is payable.
12. If I resign from the MBO, can I rejoin at a later date?
As long as you leave the MBO in good standing, you may rejoin provided you still meet the joining criteria as stipulated in the T&C.
In this Policy, “Organisation”, “us”, “we” or “our” refers to ALPA-S MBO.
This Policy sets out:
a. how we manage your Personal Data;
b. the types of Personal Data we collect, use, disclose and/or retain;
c. how we collect, use, disclose and/or retain your Personal Data; and
d. the purpose(s) for which we collect, use, disclose and/or retain your Personal Data.
You agree and consent to our, the Organisation’s, and our authorised service providers’ and third parties’ collection, use, disclosure and/or retention of your Personal Data in the manner set forth in this Policy.
This supplements but does not supersede nor replace any other consent which you may have previously provided to us nor does it affect any right that we may have at law in connection with the collection, use, disclosure and/or retention of your Personal Data.
From time to time, we may update this Policy to ensure that it is consistent with developments and trends in the Mutual Benefit Organisation Act and/or any regulatory changes. Should any revision(s) be made to this Policy, updates will be published on our restricted site (www.alpas.org). Subject to your legal rights in Singapore, the prevailing terms of this Policy shall apply.
This Policy forms a part of the terms and conditions governing your relationship with us and should be read in conjunction with such terms and conditions (Rules and Annex of the MBO). In the event of any inconsistency between the provisions of the Personal Data Protection Policy and the Rules and Annex, the provisions of the Rules and Annex shall prevail.
1. Your Personal Data
1. In this Policy, “Personal Data” refers to any data and/or information about you from which you can be identified by, either (a) from that data; or (b) from that data and other information to which we may have or are likely to have access to. Examples of such Personal Data include but are not limited to:
a. your name, NRIC, passport or other identification number, telephone number(s), mailing address, email address and any other information relating to you which you have provided in any forms you may have submitted to use, or in other forms of interaction with you;
b. your photos;
c. your employment history, education background, and income levels;
d. Personal Data of your family members, such as next of kin, spouses, and children;
e. information relating to payments, such as your bank account number or credit card information;
f. information about your usage of and interaction with our website and/ or services including computer and connection information, device capability, bandwidth, statistics on page views and traffic to and from our website.
2. Collection of your Personal Data
1. Generally, we may collect your Personal Data through the following ways:
a. when you sign up with us for ALPA-S MBO membership;
b. when you access our websites or perform an online transaction;
c. when you interact with any of our employees, officials of the Organisation and volunteers;
d. when you submit an application to us for membership services and benefits;
e. when you respond to our request for additional Personal Data;
f. when you ask to be included in an email or other mailing list;
g. when you request that we contact you;
h. when you respond to our initiatives or promotions; and
i. when you submit your Personal Data to us for any other reason.
2. When you browse our website, you generally do so anonymously, but please seesection 6 below on cookies.
3. Purposes for the Collection, Use and Disclosure of Your Personal Data
1. Generally, we may collect, use, disclose and/or retain your Personal Data for the following purposes:
a. to manage your ALPA-S MBO membership including recruitment, processing and termination of your membership;
b. to provide you with membership benefits and services;
c. to provide you with guidance and advice relating to pilot licence issues;
d. to assist you with your enquiries;
e. to process payment for your ALPA-S MBO membership or any other purchases and subscriptions;
f. to improve membership services, such as resolving complaints and handling requests and enquiries;
g. to conduct research, surveys and interviews;
h. to keep you updated on our events; and
i. to comply with applicable laws and regulations.
4. Marketing/ Optional Purposes
1. From time to time, we may contact you via mail, electronic mail, telephone (call or SMS-Text), facsimile or social medial platforms, to inform you about our membership benefits, services and events that we think may be of interest to you.
2. We will not sell your personal data to marketing and third party companies.
5. Disclosure of your Personal Data
1. We may disclose your Personal Data to the following group of external organisationsfor purposes mentioned above, subject to the requirements of applicable laws:
a. Between ALPA-S and ALPA-S MBO, and organisations and associations to which we are affiliated;
b. hospitals, clinics or insurance companies in connection with claims;
c. agents, contractors, data intermediaries or third party service providers who provide services, such as telecommunications, mailing, information technology, insurance cover, payment, payroll, data processing, training, market research, carding, storage and archival, to the Organisation;
d. external banks, financial institutions, credit card companies and their respective service providers;
e. our professional advisers such as our auditors and lawyers;
f. relevant government regulators, statutory boards or authorities or law enforcement agencies to comply with any laws, rules, guidelines and regulations or schemes imposed by any government authority;
g. business partners that provide any membership services and benefits; and
h. any other person in connection with the purposes set forth above.
1. We may collect or analyse anonymised information from which individuals cannot be identified (“Aggregate Information”), such as number of users and their frequency of use, the number of page views (or page impressions) that occur on our websites and common entry and exit points into our websites.
2. We make use of “cookies” to store and track Aggregate Information about you when you enter our website(s). Such cookies are used to track information such as the number of users and their frequency of use, profiles of users and their online preferences.
3. Such aggregate Information collected may be used to assist us in analysing the usage of our website(s) so as to improve your online experience with us.
4. Should you wish to disable the cookies associated with these technologies you may do so by changing the setting on your browser. However, please note that this may affect the functionality of the website(s).
7. Protection of your Personal Data
1. We will make reasonable security arrangements to protect your Personal Data from unauthorised access, collection, use, disclosure, copying, modification, disposal or similar risks, in accordance with applicable laws.
2. You will however appreciate that we cannot perfectly secure Personal Data from cyber attacks such as hacking, spyware and viruses. You will therefore not hold us liable for any unauthorised disclosure, loss or destruction of your Personal Data arising from such risks.
8. Retention of Your Personal Data
1. We will cease to retain Personal Data as soon as they are no longer required for the purposes we have stated or for legal or business purposes.
9. Accuracy of your Personal Data
1. We will endeavour to ensure that your Personal Data collected by us or on behalf of us, remains accurate and complete.
2. You may also keep us informed when there are any updates to your Personal Data by contacting us directly.
10. Withdrawal of Consent
1. If you wish to withdraw your consent to any use or disclosure of your Personal Data as set out in this Personal Data Protection Policy, you may contact us via firstname.lastname@example.org.
2. Upon receiving your notice, we will inform you of the likely consequences of withdrawing your consent.
3. Please note that if you withdraw your consent to any or all use or disclosure of your Personal Data, depending on the nature of your request, we may no longer be in a position to continue to provide membership benefits and services to you. Such a withdrawal may therefore result in the termination of any membership that you may have with us.
11. Access and Correction of your Personal Data
1. Upon your request, we will provide you access to your Personal Data and other appropriate information on your Personal Data in accordance with the requirements of the PDPA.
2. Upon your request, we will correct an error or omission in your Personal Data that is in our possession or control in accordance with the requirements of the PDPA.
3. The Organisation has the right to charge a reasonable fee for processing your request.
4. Please submit your request to us through the following platforms:
12. Transfer of your Personal Data outside Singapore
1. We will ensure that any transfers of personal data to a territory outside of Singapore will be in accordance with the PDPA so as to ensure a standard of protection to personal data so transferred that is comparable to the protection under the PDPA.
13. Contacting Us
1. If you have any questions or complaints relating to the use or disclosure of your Personal Data, or if you wish to know more about our data protection policies and practices, please contact our Data Protection Officer, Jeremy Chia via email at email@example.com.